{"took":266,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":33,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10670369","_score":11.877533,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint against Discover Bank regarding their handling of my account and subsequent credit reporting practices, which I believe to be fraudulent, malicious, and in violation of multiple consumer protection laws. \n\nIn early XXXX  Discover Bank closed my account and marked it as charged off. Following this, Discover inaccurately reported the charged-off amount as income to the IRS, leading to significant financial repercussions for me. Despite the closure and charge-off, Discover has continued to report my account as a derogatory account, severely impacting my credit score and overall financial standing. \n\nAs an investor in Discover Bank, I expect a higher standard of transparency and ethical conduct from the institution in which I have invested. In their response to my inquiries, Discover falsely claimed that they are required to continue reporting my account as it is a disputed account. This assertion is incorrect ; the dispute regarding the account was resolved, and it should not be classified as derogatory. Their ongoing reporting practices constitute deceptive practices and are misleading, resulting in financial and emotional harm. \n\nFurthermore, Discover Bank has shared and sold my personal information to third parties without my consent, violating my right to privacy. I have not received full disclosure regarding the assignments or trades related to my account, particularly concerning its securitization and the potential for trading on the XXXX XXXX. This lack of transparency raises serious concerns about securities fraud and the ethical handling of my financial information. \n\nI demand the immediate removal of the derogatory information on all credit reports and seek monetary relief for the damages incurred. I am requesting {$10000.00} for mental anguish and damages outside of litigation. Should we be unable to resolve this matter amicably, I will seek {$100000.00} in damages through litigation in a court of law. Additionally, I will not hesitate to file complaints with the Attorney General, IRS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Federal Trade Commission ( FTC ), and other relevant agencies. \n\nI believe Discover Banks actions constitute violations of several consumer protection statutes, including : Fair Credit Reporting Act ( FCRA ) : Failure to correct inaccurate information on my credit report ( 15 U.S.C. 1681 ).\n\nFair Debt Collection Practices Act ( FDCPA ) : Misleading statements and failure to validate the debt ( 15 U.S.C. 1692 ).\n\nUniform Commercial Code ( UCC ) Article 9 : Failure to provide proper disclosures related to the securitization of my account, which violates my rights as a consumer ( UCC 9-203 ).\n\nConsumer Credit Protection Act : Misrepresentation of the nature and amount of the debt, constituting deceptive practices ( 15 U.S.C. 1601 et seq. ).\n\nInvasion of Privacy : Sharing my personal financial information without proper consent and failing to safeguard my information.\n\nSecurities Fraud : Lack of transparency regarding the assignment and securitization of my account, which could involve illegal trading practices. \n\nI kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting practices employed by Discover Bank. The ongoing misinformation is damaging to my credit score and detrimental to my overall financial well-being. \n\nThank you for your attention to this matter. I trust that the CFPB will conduct a fair and impartial investigation and work to resolve this issue promptly.","date_sent_to_company":"2024-11-03T17:33:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"10670369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-11-03T17:15:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint against Discover Bank regarding their <em>handling</em> of my account and subsequent <em>credit</em> reporting practices, which I believe to be fraudulent, <em>malicious</em>, and in violation of multiple consumer protection laws. \n\nIn early XXXX  Discover Bank closed my account and marked it as charged off. Following this, Discover inaccurately reported the charged-off amount as income to the IRS, leading to significant financial repercussions for me."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.877533,"10670369"]},{"_index":"complaint-public-v1","_id":"22527672","_score":10.606037,"_source":{"product":"Mortgage","complaint_what_happened":"CO-BORROWER LINKING DISCLOSURE & URGENT UPDATE : Please link this complaint directly to my husbands active CFPB Complaint, ID # XXXX. \n\nI am a co-borrower on this mortgage loan. My spouse and I submitted a loss mitigation application which Shellpoint wrongfully denied on XX/XX/year>. On XX/XX/year>, we submitted a comprehensive 70-page digital Notice of Error ( NoE ) containing all updated financial documents to cure the file. Acknowledging their error, Shellpoint officially rescinded their denial letter on XX/XX/year>, rendering our application facially complete. \n\nImmediately after our application became complete, Shellpoint 's assigned SPOC engaged in bad-faith, deceptive steering by sending an email to me attempting to trick me into requesting a temporary forbearance instead of a loan modification. This was a malicious attempt to manipulate a disabled consumer into withdrawing an active application to strip away our federal dual-tracking protections under 12 C.F.R. 1024.41. \n\nWhen that failed, Shellpoint missed their strict XX/XX/year> federal deadline to respond to our certified NoE. Instead of responding in writing, they placed an unannounced phone call to my spouse 's phone on XX/XX/XXXX with no voicemail, explicitly violating our active XXXX email communication accommodation. On XX/XX/year>, we received a physical letter from Shellpoint dated XX/XX/year>, stating they were still actively reviewing our file. However, immediately after XX/XX/XXXX, Shellpoint flipped our online portal status to \" not approved '' without providing a formal, itemized written denial letter explaining the math or investor guidelines. This actively blocks our statutory 14-day right to appeal under 12 C.F.R. 1024.41 ( c ) ( 1 ). \n\nFurthermore, Shellpoint weaponized our credit reports. On XX/XX/XXXX ( the day they signed for our certified NoE ), they dropped our TransUnion profiles from \" Current '' to \" 120+ days late '' and backdated the delinquency on my report to XX/XX/XXXX to manufacture a false default timeline. On XX/XX/XXXX, XXXX exact same day we discovered the portal rejection and received their contradictory XX/XX/XXXX status letterShellpoint panicked and sent an emergency weekend \" flash data '' correction to TransUnion to reverse our credit profiles from 120 days late back to \" Current. '' While this textbook reversal proves their data was fraudulent and unverified under the FCRA ( 15 U.S.C. 1681s-2 ), Shellpoint continues to violate RESPA evaluation rules. \n\nShellpoint is fully aware that we are permanently XXXX and that my spouse is undergoing a third major XXXX XXXX this summer. They are using fraudulent credit manipulation, bad-faith application handling, and XXXX violations XXXX force a default narrative during an active medical crisis. \n\nPlease consolidate this file with Complaint ID # XXXX so both co-borrower credit profiles are investigated under the same case tracking sequence.","date_sent_to_company":"2026-05-25T06:58:37.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"90018","tags":null,"has_narrative":true,"complaint_id":"22527672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-05-25T06:42:33.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["They are using fraudulent <em>credit</em> manipulation, bad-faith application <em>handling</em>, and XXXX violations XXXX force a default narrative during an active medical crisis. \n\nPlease consolidate this <em>file</em> with Complaint ID # XXXX so both co-borrower <em>credit</em> profiles are investigated under the same case tracking sequence."]},"sort":[10.606037,"22527672"]},{"_index":"complaint-public-v1","_id":"11270231","_score":10.503842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Malicious Injury, Negligence, and Breach of Rights under FCRA Dear CFPB, I am writing to formally file a complaint against Equifax for malicious injury, negligence, and multiple breaches of my rights under the Fair Credit Reporting Act ( FCRA ). Equifax has engaged in the misuse, mishandling, and failure to provide accurate and complete reporting of my personal credit information, as mandated by the FCRA. The following outlines my grievances in detail : Specific Complaints XXXX. Failure to Provide and Report Credit Information Since XX/XX/XXXX, I have been denied access to my XXXX bureau credit scores, provided by contract with XXXX, due to XXXX failure to accurately report my credit information. Despite having XXXX trade lines reported to all major credit bureaus, none appear on my Equifax credit report. \nInstead, Equifax has regularly updated outdated accounts with false negative information, directly harming my credit profile and financial standing. \nXXXX. Refusal to Update Personal Information Equifax has refused to update my legal name to XXXX XXXX XXXX and my address, despite numerous submissions of valid documentation. \nThis refusal has directly caused credit denials due to lack of credit history, even though my legitimate trade lines exist and should be accurately reflected. \nXXXX. Improper Handling of Disputes and Verification Requests I have requested the verification and method of verification for multiple trade lines reported on my Equifax credit file in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). \nInstead of responding appropriately, Equifax has repeatedly and without my authorization opened or modified disputes mid-investigation, delaying resolution and obstructing my rights under the FCRA. \nThese actions violate FCRAs procedural requirements for dispute resolution and fail to meet the standards outlined by the Federal Trade Commission ( FTC ). \nXXXX. Failure to Respond to Complaints or Provide Resolutions Despite lodging multiple complaints citing clear violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Equifax has failed to provide any decisive, coordinated, or timely responses. \nXXXX lack of action disregards their legal obligation under 15 U.S.C. 1681e ( b ) to ensure the accuracy of consumer information and their duty under 15 U.S.C. 1681i to investigate disputes within 30 days. \nXXXX. Willful Non-Compliance and Negligence Equifaxs continued refusal to comply with FCRA requirements and FTC regulations, despite receiving all required documentation and evidence, constitutes willful non-compliance under 15 U.S.C. 1681n.\n\nThese delays and refusals have caused financial harm, including denied credit opportunities and unnecessary reputational damage. \n\nApplicable Laws, Statutes, and Regulations The following laws and regulations are applicable to my complaint : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Duty of consumer reporting agencies to ensure maximum possible accuracy in the information they report.\n\n15 U.S.C. 1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information within 30 days.\n\n15 U.S.C. 1681i ( a ) ( 7 ) : Requirement to provide the method of verification upon request from the consumer.\n\n15 U.S.C. 1681n : Civil liability for willful non-compliance with FCRA provisions. \n15 U.S.C. 1681o : Civil liability for negligent non-compliance with FCRA provisions.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) Equifaxs failure to act in good faith in responding to disputes and mishandling information may also fall under prohibitions against unfair or deceptive practices, as outlined in the FDCPA.\n\n3. Federal Trade Commission ( FTC ) Regulations Under the FTC Act, Equifax is prohibited from engaging in unfair or deceptive practices, including the manipulation or falsification of dispute investigations and delays in addressing consumer complaints.\n\nThe FTC also mandates that credit reporting agencies provide accurate and complete credit reporting in accordance with federal guidelines.\n\n4. Consumer Financial Protection Bureau ( CFPB ) Guidelines The CFPB mandates that credit reporting agencies follow clear and transparent procedures for responding to consumer disputes and complaints, as well as maintaining accountability for their compliance with FCRA standards.\n\nRequested Resolution I request the CFPB to take immediate action to ensure that Equifax complies with the following : XXXX. Accurately update and report my credit file, including the addition of my valid trade lines and the removal of erroneous negative information. \nXXXX. Promptly update my legal name and address, as submitted with supporting documentation. \nXXXX. Provide the requested method of verification for all disputed trade lines as required under 15 U.S.C. 1681i ( a ) ( 7 ).\n\n4. Address and rectify Equifaxs unauthorized opening and modification of disputes.\n\n5. Investigate Equifaxs consistent failure to respond to complaints and enforce appropriate penalties for their violations under the FCRA, FDCPA, and FTC regulations.\n\n6. Ensure that I am fairly compensated for the financial and emotional harm caused by Equifaxs willful non-compliance and negligence, as outlined under 15 U.S.C. 1681n. \n\nI believe these actions are necessary to hold Equifax accountable for their ongoing violations of federal laws and regulations and to ensure that no other consumers endure similar harm. \n\nThank you for your time and attention to this matter. I look forward to a prompt investigation and resolution. \n\nSincerely, XXXX XXXX XXXX [ XXXX ]","date_sent_to_company":"2024-12-24T00:55:14.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11270231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-24T00:34:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Subject : Complaint Against Equifax for <em>Malicious</em> Injury, Negligence, and Breach of Rights under FCRA Dear CFPB, I am writing to formally <em>file</em> a complaint against Equifax for <em>malicious</em> injury, negligence, and multiple breaches of my rights under the Fair <em>Credit</em> Reporting Act ( FCRA ). Equifax has engaged in the misuse, mishandling, and failure to provide accurate and complete reporting of my personal <em>credit</em> information, as mandated by the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[10.503842,"11270231"]},{"_index":"complaint-public-v1","_id":"11254389","_score":10.457053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Malicious Injury, Negligence, and Breach of Rights under FCRA Dear CFPB, I am writing to formally file a complaint against Equifax for malicious injury, negligence, and multiple breaches of my rights under the Fair Credit Reporting Act ( FCRA ). Equifax has engaged in the misuse, mishandling, and failure to provide accurate and complete reporting of my personal credit information, as mandated by the FCRA. The following outlines my grievances in detail : Specific Complaints 1. Failure to Provide and Report Credit Information Since XX/XX/XXXX, I have been denied access to my three bureau credit scores, provided by contract with XXXX, due to Equifaxs failure to accurately report my credit information. Despite having three trade lines reported to all major credit bureaus, none appear on my Equifax credit report. \nInstead, Equifax has regularly updated outdated accounts with false negative information, directly harming my credit profile and financial standing. \n2. Refusal to Update Personal Information Equifax has refused to update my legal name to XXXX XXXX XXXX and my address, despite numerous submissions of valid documentation. \nThis refusal has directly caused credit denials due to lack of credit history, even though my legitimate trade lines exist and should be accurately reflected. \n3. Improper Handling of Disputes and Verification Requests I have requested the verification and method of verification for multiple trade lines reported on my Equifax credit file in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). \nInstead of responding appropriately, Equifax has repeatedly and without my authorization opened or modified disputes mid-investigation, delaying resolution and obstructing my rights under the FCRA. \nThese actions violate FCRAs procedural requirements for dispute resolution and fail to meet the standards outlined by the Federal Trade Commission ( FTC ). \n4. Failure to Respond to Complaints or Provide Resolutions Despite lodging multiple complaints citing clear violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Equifax has failed to provide any decisive, coordinated, or timely responses. \nEquifaxs lack of action disregards their legal obligation under 15 U.S.C. 1681e ( b ) to ensure the accuracy of consumer information and their duty under 15 U.S.C. 1681i to investigate disputes within 30 days.\n\n5. Willful Non-Compliance and Negligence Equifaxs continued refusal to comply with FCRA requirements and FTC regulations, despite receiving all required documentation and evidence, constitutes willful non-compliance under 15 U.S.C. 1681n. \nThese delays and refusals have caused financial harm, including denied credit opportunities and unnecessary reputational damage. \n\nApplicable Laws, Statutes, and Regulations The following laws and regulations are applicable to my complaint : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Duty of consumer reporting agencies to ensure maximum possible accuracy in the information they report.\n\n15 U.S.C. 1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information within 30 days. \n15 U.S.C. 1681i ( a ) ( 7 ) : Requirement to provide the method of verification upon request from the consumer.\n\n15 U.S.C. 1681n : Civil liability for willful non-compliance with FCRA provisions.\n\n15 U.S.C. 1681o : Civil liability for negligent non-compliance with FCRA provisions.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) Equifaxs failure to act in good faith in responding to disputes and mishandling information may also fall under prohibitions against unfair or deceptive practices, as outlined in the FDCPA. \n3. Federal Trade Commission ( FTC ) Regulations Under the FTC Act, Equifax is prohibited from engaging in unfair or deceptive practices, including the manipulation or falsification of dispute investigations and delays in addressing consumer complaints.\n\nThe FTC also mandates that credit reporting agencies provide accurate and complete credit reporting in accordance with federal guidelines. \n4. Consumer Financial Protection Bureau ( CFPB ) Guidelines The CFPB mandates that credit reporting agencies follow clear and transparent procedures for responding to consumer disputes and complaints, as well as maintaining accountability for their compliance with FCRA standards.\n\nRequested Resolution I request the CFPB to take immediate action to ensure that Equifax complies with the following : 1. Accurately update and report my credit file, including the addition of my valid trade lines and the removal of erroneous negative information. \n2. Promptly update my legal name and address, as submitted with supporting documentation.\n\n3. Provide the requested method of verification for all disputed trade lines as required under 15 U.S.C. 1681i ( a ) ( 7 ).\n\n4. Address and rectify Equifaxs unauthorized opening and modification of disputes.\n\n5. Investigate Equifaxs consistent failure to respond to complaints and enforce appropriate penalties for their violations under the FCRA, FDCPA, and FTC regulations.\n\n6. Ensure that I am fairly compensated for the financial and emotional harm caused by Equifaxs willful non-compliance and negligence, as outlined under 15 U.S.C. 1681n.\n\nI believe these actions are necessary to hold Equifax accountable for their ongoing violations of federal laws and regulations and to ensure that no other consumers endure similar harm.\n\nThank you for your time and attention to this matter. I look forward to a prompt investigation and resolution. \n\nSincerely, XXXX XXXX XXXX [ XXXX ]","date_sent_to_company":"2024-12-24T00:55:26.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11254389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-24T00:55:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Subject : Complaint Against Equifax for <em>Malicious</em> Injury, Negligence, and Breach of Rights under FCRA Dear CFPB, I am writing to formally <em>file</em> a complaint against Equifax for <em>malicious</em> injury, negligence, and multiple breaches of my rights under the Fair <em>Credit</em> Reporting Act ( FCRA ). Equifax has engaged in the misuse, mishandling, and failure to provide accurate and complete reporting of my personal <em>credit</em> information, as mandated by the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[10.457053,"11254389"]},{"_index":"complaint-public-v1","_id":"7162458","_score":9.85698,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My husband and I were cold called by XXXX XXXX XXXX, a group that pretends to be an advertising/marketing company in XX/XX/2023. That are in fact a telemarketing scam operation out of XXXX, Oregon. XXXX was selling fake advertising space in for a nonexistent homework folder that was to be issued to students at XXXX XXXX XXXX XXXX in XXXX XXXX. My husband is a XXXX XXXX XXXX  so we commonly advertise within the community. XXXX also claimed a portion of the sales would benefit the school. XXXX took our credit card information by phone. XXXX sent a confirmation email containing an invoice with very small print containing some terms and conditions. These terms and conditions were never discussed at the time of payment and even contradict what was orally discussed on the phone when payment was taken. XXXX waited for this email to be received and opened before actually charging our credit card. After not receiving a request for our logo and art for the ad, my husband requested a refund XXXX week after the payment. The company was not responsive. I had later called XXXX in XX/XX/2023 and spoke with them on the phone. We again requested a refund. XXXX stated they can only refund by check and will be keeping a {$100.00} fee. Frustrated, we agreed but the check was never received. After many, many calls and emails to XXXX, we began to research XXXX online to find numerous negative reviews on XXXX and XXXX in XX/XX/2023. Realizing this was a scam, I called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who confirmed they do not work with XXXX and there was no homework folder being produced for their students. I have reported XXXX to the XXXX XXXX XXXX XXXX Department and notified the XXXX XXXX PD and police departments in XXXX, XXXX and XXXX, Oregon. I have filed reports with the FTC, FBI, DOJ for California and Oregon and XXXX. We also contacted our credit card company, XXXX and XXXX to report fraud and file a dispute. I provided them with all of the above information in addition to a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX is not an authorized vendor of XXXX nor given authorization to contact members of the school community for sales. I provided all email correspondence and case numbers for all police reports, FTC, FBI DOJ and XXXX  cases. I also provided them with pages of negative reviews from XXXX 's XXXX and XXXX pages. I clearly showed evidence that XXXX misrepresented the school and had no ability to provide us with a good or service. I documented their pattern of deceptive business practices. We were not provided with terms and conditions before payment information was taken. And we made repeated efforts to resolve the issue with XXXX but they are unresponsive. Yet somehow, XXXX & XXXX credit card company has resolved the \" dispute '' ( it is actually fraud ) in favor of the scammers. I even asked the case processor about the decision and he said he didn't even read my statement!! I am absolutely dumbfounded by the handling of my case by XXXX & XXXX Credit Card. Unfortunately law enforcement is not prioritizing my case and I have been told that more reports to the FTC will need to be made before they would take action. I feel no one is protecting the public from these malicious predatory scammers. Even my own bank will not protect me. Please help!!","date_sent_to_company":"2023-06-24T20:33:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92677","tags":null,"has_narrative":true,"complaint_id":"7162458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-06-24T19:50:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am absolutely dumbfounded by the <em>handling</em> of my case by XXXX & XXXX <em>Credit</em> Card. Unfortunately law enforcement is not prioritizing my case and I have been told that more reports to the FTC will need to be made before they would take action. I feel no one is protecting the public from these <em>malicious</em> predatory scammers. Even my own bank will not protect me. Please help!!"],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[9.85698,"7162458"]},{"_index":"complaint-public-v1","_id":"7299639","_score":9.445763,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against XXXX XXXX and Drive Time Credit Corporation, jointly and severally, for engaging in troubling and potentially unlawful conduct during a recent communication with me. The purpose of this complaint is to bring to your attention the companies ' refusal to identify the purpose of their call, their improper attempts to collect personal identifiable information or proper disclosure, and their infringement upon my right to privacy. \n\nOn XX/XX/XXXX XXXX three separate family members received an unsolicited phone call from a representative claiming to be an employee of XXXX XXXX. The representative made persistent efforts to solicit and collect personal identifiable information from my family members. They sought sensitive details, including my social security number, financial information, whereabouts and home address. I must emphasize that I have never had any prior association with XXXX XXXX  or any other relevant party, nor can I conceive any legitimate basis for these companies to request or gather such sensitive information without justifiable consent from the consumer. \n\nAs a responsible and cautious individual, I am deeply committed to protecting my privacy and safeguarding my personal data from unauthorized access or misuse. The unauthorized collection of personal identifiable information without adequate disclosure constitutes a clear violation of my privacy rights, as guaranteed by the Constitution and upheld by various federal and state laws. \n\nThe potential consequences of such privacy breaches are far-reaching, extending beyond my personal well-being and financial security. Improper handling of personal data can expose individuals to identity theft, fraud, and other malicious activities that can inflict severe and lasting harm on innocent consumers like myself. \n\nI believe that the actions of XXXX XXXX, acting on behalf of Drive Time Credit Corporation, not only breach fundamental principles of consumer protection but also run afoul of federal laws and regulations governing data privacy and debt collection practices. As the agency tasked with safeguarding consumer interests, the Consumer Financial Protection Bureau ( CFPB ) holds a crucial responsibility to ensure that both XXXX XXXX  and Drive Time Credit Corporation respect and uphold the privacy rights of individuals. \n\nTherefore, I urgently request that the CFPB prioritize this matter and conduct a thorough investigation into the following issues : Examine XXXX XXXX XXXX improper collection of personal identifiable information from me and any other individuals without proper consent or a valid reason, as this infringes upon my fundamental right to privacy. \n\nInvestigate Drive Time Credit Corporation 's involvement in this matter and assess its responsibility for the actions of its third-party contractor, XXXX XXXX. \n\nDetermine if XXXX XXXX XXXX actions, in conjunction with Drive Time Credit Corporation 's involvement, constitute flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws, which exist to safeguard consumer privacy and ensure ethical debt collection practices. \n\nTake decisive enforcement actions and impose necessary penalties if it is found that XXXX XXXX and Drive Time Credit Corporation have engaged in unlawful or deceptive practices that undermine consumer privacy rights. \n\nImplement stringent measures to ensure that XXXX XXXX XXXX Drive Time Credit Corporation, and other entities within the consumer financial industry comply fully with all relevant consumer protection laws and regulations, particularly those related to consumer privacy. \n\nI implore the CFPB to approach this complaint with the utmost urgency and gravity it warrants, considering the profound implications on consumer privacy and rights. I eagerly anticipate a swift and comprehensive resolution to this matter, which will reassure consumers that their privacy is genuinely respected and protected.","date_sent_to_company":"2023-07-26T01:08:42.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"7299639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DriveTime","date_received":"2023-07-26T00:44:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Improper <em>handling</em> of personal data can expose individuals to identity theft, fraud, and other <em>malicious</em> activities that can inflict severe and lasting harm on innocent consumers like myself. \n\nI believe that the actions of XXXX XXXX, acting on behalf of Drive Time <em>Credit</em> Corporation, not only breach fundamental principles of consumer protection but also run afoul of federal laws and regulations governing data privacy and debt collection practices."]},"sort":[9.445763,"7299639"]},{"_index":"complaint-public-v1","_id":"16179193","_score":9.132547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this urgent and escalated complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand swift, decisive investigation and severe enforcement action against Experian, TransUnion, and XXXX  XXXX for their deliberate, flagrant, and unconscionable XXXX  illegal reinsertion of a fraudulent XXXX  XXXX credit card account ( ending in XXXX ) on my credit reports, despite XXXX prior removals as verified fraudulent through my FTC Identity Theft Reports. This account, opened fraudulently on XX/XX/XXXX, has been repeatedly reinserted without any semblance of verification, furnisher certification, or required notice, inflicting catastrophic and irreparable harm to my credit score, financial stability, emotional health, and daily life. This is not an isolated error but a blatant, systemic pattern of willful noncompliance that borders on criminal facilitation of identity theft, and I will not stand idly by while these entities flagrantly disregard federal law for the fourth time.\n\nI am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. \n\nACCOUNTS : - XXXX  XXXX credit card account ending in XXXX ( fraudulently opened XX/XX/XXXX ; discovered XX/XX/XXXX ; fraud began XX/XX/XXXX ; closed with derogatory status as charged off/bad debt ; removed XXXX times under FTC Reports but illegally reinserted for the fourth time without verification or notice. \n\nThis fourth reinsertion represents an egregious and willful violation of : - * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * * : This section unequivocally mandates that CRAs block fraudulent information identified via a valid identity theft report within XXXX business days. Despite repeated submissions of my FTC reports ( Numbers XXXX and XXXX ), these entities have defiantly failed to block or permanently excise this account, allowing its XXXX reappearance and perpetuating devastating harm. This repeated defiance is unconscionable and demands the imposition of maximum civil penalties, including fines per violation. \n- * * FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) * * : This provision strictly prohibits reinserting previously deleted disputed information without furnisher certification of accuracy and providing the consumer with written notice, including furnisher contact details. For this XXXX  reinsertion no certification, verification, or notice has been provided, evidencing a deliberate and malicious pattern of lawbreaking that warrants punitive measures and potential criminal referral. \n- * * FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) * * : Requires thorough and reasonable reinvestigation of disputes, which has been utterly ignored despite my multiple, well-documented disputes.\n\n- * * FDCPA ( 15 U.S.C. 1692e & f ) * * : Forbids false, deceptive, or unfair debt representations, as this account falsely portrays a debt I never incurred due to identity theft.\n\n- * * Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ) * * : Criminalizes these deceptive practices, entitling me to treble damages and state enforcement. \n\nThis fourth illegal reinsertion, following XXXX successful removals, exposes a shocking and intentional scheme by the CRAs and XXXX XXXX to evade their legal obligations, prioritizing profits over consumer protection. I demand that the CFPB : XXXX. Initiate an immediate, comprehensive investigation Experian, TransUnion, and XXXX XXXX for these repeated, willful FCRA violations, including audits of their dispute handling systems. \nXXXX. Enforce the blocking and PERMANENT, IRREVOCABLE deletion of this account and all related inquiries within XXXX business days under 1681c-2, with strict prohibitions against any future reinsertion.\n\nXXXX. Compel full, unredacted disclosure of all \" verification '' processes ( or admissions of none ) for each of the XXXX reinsertions, including internal communications between CRAs and the furnisher. \nImpose the severest penalties available, such as substantial fines, operational injunctions, and referral to the Department of Justice for criminal prosecution under identity theft facilitation laws ( 18 U.S.C. 1028 ). I also reserve the right to pursue class-action litigation if similar patterns affect other victims.","date_sent_to_company":"2025-09-25T16:50:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"16179193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-25T16:49:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this urgent and escalated complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand swift, decisive investigation and severe enforcement action against Experian, TransUnion, and XXXX  XXXX for their deliberate, flagrant, and unconscionable XXXX  illegal reinsertion of a fraudulent XXXX  XXXX <em>credit</em> card account ( ending in XXXX ) on my <em>credit</em> reports, despite XXXX prior removals as verified fraudulent through my FTC Identity Theft Reports."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.132547,"16179193"]},{"_index":"complaint-public-v1","_id":"16179192","_score":9.119491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this urgent and escalated complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand swift, decisive investigation and severe enforcement action against Experian, TransUnion, and XXXX  XXXX for their deliberate, flagrant, and unconscionable XXXX  illegal reinsertion of a fraudulent XXXX  XXXX credit card account ( ending in XXXX ) on my credit reports, despite XXXX prior removals as verified fraudulent through my FTC Identity Theft Reports. This account, opened fraudulently on XX/XX/XXXX, has been repeatedly reinserted without any semblance of verification, furnisher certification, or required notice, inflicting catastrophic and irreparable harm to my credit score, financial stability, emotional health, and daily life. This is not an isolated error but a blatant, systemic pattern of willful noncompliance that borders on criminal facilitation of identity theft, and I will not stand idly by while these entities flagrantly disregard federal law for the fourth time.\n\nI am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. \n\nACCOUNTS : - XXXX  XXXX credit card account ending in XXXX ( fraudulently opened XX/XX/XXXX ; discovered XX/XX/XXXX ; fraud began XX/XX/XXXX ; closed with derogatory status as charged off/bad debt ; removed XXXX times under FTC Reports but illegally reinserted for the fourth time without verification or notice. \n\nThis fourth reinsertion represents an egregious and willful violation of : - * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * * : This section unequivocally mandates that CRAs block fraudulent information identified via a valid identity theft report within XXXX business days. Despite repeated submissions of my FTC reports ( Numbers XXXX and XXXX ), these entities have defiantly failed to block or permanently excise this account, allowing its XXXX reappearance and perpetuating devastating harm. This repeated defiance is unconscionable and demands the imposition of maximum civil penalties, including fines per violation. \n- * * FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) * * : This provision strictly prohibits reinserting previously deleted disputed information without furnisher certification of accuracy and providing the consumer with written notice, including furnisher contact details. For this XXXX  reinsertion no certification, verification, or notice has been provided, evidencing a deliberate and malicious pattern of lawbreaking that warrants punitive measures and potential criminal referral. \n- * * FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) * * : Requires thorough and reasonable reinvestigation of disputes, which has been utterly ignored despite my multiple, well-documented disputes.\n\n- * * FDCPA ( 15 U.S.C. 1692e & f ) * * : Forbids false, deceptive, or unfair debt representations, as this account falsely portrays a debt I never incurred due to identity theft.\n\n- * * Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ) * * : Criminalizes these deceptive practices, entitling me to treble damages and state enforcement. \n\nThis fourth illegal reinsertion, following XXXX successful removals, exposes a shocking and intentional scheme by the CRAs and XXXX XXXX to evade their legal obligations, prioritizing profits over consumer protection. I demand that the CFPB : XXXX. Initiate an immediate, comprehensive investigation Experian, TransUnion, and XXXX XXXX for these repeated, willful FCRA violations, including audits of their dispute handling systems. \nXXXX. Enforce the blocking and PERMANENT, IRREVOCABLE deletion of this account and all related inquiries within XXXX business days under 1681c-2, with strict prohibitions against any future reinsertion.\n\nXXXX. Compel full, unredacted disclosure of all \" verification '' processes ( or admissions of none ) for each of the XXXX reinsertions, including internal communications between CRAs and the furnisher. \nImpose the severest penalties available, such as substantial fines, operational injunctions, and referral to the Department of Justice for criminal prosecution under identity theft facilitation laws ( 18 U.S.C. 1028 ). I also reserve the right to pursue class-action litigation if similar patterns affect other victims.","date_sent_to_company":"2025-09-25T16:50:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"16179192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-25T16:49:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this urgent and escalated complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand swift, decisive investigation and severe enforcement action against Experian, TransUnion, and XXXX  XXXX for their deliberate, flagrant, and unconscionable XXXX  illegal reinsertion of a fraudulent XXXX  XXXX <em>credit</em> card account ( ending in XXXX ) on my <em>credit</em> reports, despite XXXX prior removals as verified fraudulent through my FTC Identity Theft Reports."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[9.119491,"16179192"]},{"_index":"complaint-public-v1","_id":"10891415","_score":8.7074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX TransUnion Subject : Urgent Demand for Removal of Unauthorized Accounts, Personal Information, and Violations of Federal Law Dear CFPB, This is my second formal complaint against XXXX, XXXX, and TransUnion for their blatant disregard of federal law regarding the handling of my consumer report. Despite my previous complaint and the submission of valid documentation, these credit reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair Credit Reporting Act ( FCRA ), and further exposes a pattern of malicious intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1. Unauthorized Accounts Still Reporting : The following accounts remain on my credit report despite my formal dispute and submission of an FTC Identity Theft Report supported by proper identification and proof of address : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX These accounts were reported without my informed consent, as required under 15 U.S.C. 1681b, and their continued reporting is both unauthorized and fraudulent.\n\n2. Unauthorized Names and Addresses : My consumer report continues to list the following unauthorized and inaccurate personal information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The only name that should be reporting is XXXX XXXX XXXX and the only address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX \n3. Failure to Block Unauthorized Information Within Four Business Days : Under 15 U.S.C. 1681c-2, the credit reporting agencies were required to block the disputed accounts and personal information within four business days of receiving my FTC Identity Theft Report. Their failure to comply is a direct violation of federal law. \n\nLegal Violations and Supporting Case Law Violations : 1. FCRA 15 U.S.C. 1681b : Credit reporting agencies must have explicit written consent to report consumer information. These accounts and personal details were reported without my authorization. \n2. FCRA 15 U.S.C. 1681c-2 : The agencies are required to block disputed information within four business days after receiving proper documentation. Their failure to act demonstrates willful noncompliance. \n3. Gramm-Leach-Bliley Act 15 U.S.C. 6802 ( b ) ( c ) : Financial institutions must provide consumers with the opportunity to opt out of data sharing. The companies failed to notify me of this right and continued to share my data unlawfully. \n4. 18 U.S.C. 894 Collection of Extensions of Credit by Extortionate Means : The continued reporting of false and unauthorized information on my consumer report constitutes extortionate means to enforce or collect on disputed accounts. \n\nCase Law : 1. Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( XXXX XXXX. XXXX ) : This case emphasizes the FCRAs requirement for consumer reporting agencies to ensure the accuracy of reported information. \n2. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX  XXXX ) : Reinforced the duty of credit bureaus to correct or remove inaccurate or unverifiable information when disputed by consumers. \n3. Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( XXXX XXXX XXXXXXXX ) : Established that permissible purpose under the FCRA must be explicitly authorized by the consumer. Unauthorized reporting violates this standard. \n\nPattern of Malicious Intent The ongoing reporting of unauthorized information, despite my clear opt-out notice and FTC report , reflects intentional disregard for federal law and my consumer rights. The actions of XXXX, XXXX, and TransUnion demonstrate : 1. Fraudulent Intent : By retaining and sharing unauthorized information, the agencies are profiting from data that they have no right to possess or report.\n\n2. Deceptive Practices : Failing to block disputed information within the legally mandated timeframe is a deliberate act of noncompliance.\n\n3. Irreparable Harm : The continued reporting of false and unauthorized accounts has caused severe damage to my financial reputation and creditworthiness. \n\nDemand for Immediate Action I demand the following : 1. Immediate Blocking of All Unauthorized Information : The accounts, names, and addresses listed above must be blocked and removed from my credit report within four business days, as required by federal law.\n\n2. Written Confirmation : Provide written confirmation that all disputed information has been removed and will not be re-reported.\n\n3. Full Compliance with Federal Law : Ensure that my opt-out notice and FTC report are fully honored, and no further unauthorized information is reported on my consumer file. \n\nSupporting Documentation I am including the following : FTC Identity Theft Report Government-issued identification Proof of address Conclusion The repeated failure of XXXX, XXXX, and TransUnion to comply with federal law constitutes a gross abuse of their role as consumer reporting agencies. I am a victim of their negligence and willful noncompliance, and I expect the CFPB to take immediate action to enforce my rights under the FCRA. \n\nFailure to comply with this demand will result in further legal action and escalated complaints to federal enforcement agencies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T01:31:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"10891415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-22T01:31:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my previous complaint and the submission of valid documentation, these <em>credit</em> reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair <em>Credit</em> Reporting Act ( FCRA ), and further exposes a pattern of <em>malicious</em> intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.7074,"10891415"]},{"_index":"complaint-public-v1","_id":"10883900","_score":8.690968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) Equifax XXXX XXXX Subject : Urgent Demand for Removal of Unauthorized Accounts, Personal Information, and Violations of Federal Law Dear CFPB, This is my second formal complaint against Equifax, XXXX, and XXXX for their blatant disregard of federal law regarding the handling of my consumer report. Despite my previous complaint and the submission of valid documentation, these credit reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair Credit Reporting Act ( FCRA ), and further exposes a pattern of malicious intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1. Unauthorized Accounts Still Reporting : The following accounts remain on my credit report despite my formal dispute and submission of an FTC Identity Theft Report supported by proper identification and proof of address : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX These accounts were reported without my informed consent, as required under 15 U.S.C. 1681b, and their continued reporting is both unauthorized and fraudulent. 2. Unauthorized Names and Addresses : My consumer repo\nrt continues to list the following unauthorized and inaccurate personal information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The only name that should be reporting is XXXX XXXX XXXX and the only address that should appear on my report is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX \n3. Failure to Block Unauthorized Information Within Four Business Days : Under 15 U.S.C. 1681c-2, the credit reporting agencies were required to block the disputed accounts and personal information within four business days of receiving my FTC Identity Theft Report. Their failure to comply is a direct violation of federal law. \n\nLegal Violations and Supporting Case Law Violations : 1. FCRA 15 U.S.C. 1681b : Credit reporting agencies must have explicit written consent to report consumer information. These accounts and personal details were reported without my authorization. \n2. FCRA 15 U.S.C. 1681c-2 : The agencies are required to block disputed information within four business days after receiving proper documentation. Their failure to act demonstrates willful noncompliance. \n3. Gramm-Leach-Bliley Act 15 U.S.C. 6802 ( b ) ( c ) : Financial institutions must provide consumers with the opportunity to opt out of data sharing. The companies failed to notify me of this right and continued to share my data unlawfully. \n4. 18 U.S.C. 894 Collection of Extensions of Credit by Extortionate Means : The continued reporting of false and unauthorized information on my consumer report constitutes extortionate means to enforce or collect on disputed accounts. \n\nCase Law : 1. Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( XXXX XXXX XXXX ) : This case emphasizes the FCRAs requirement for consumer reporting agencies to ensure the accuracy of reported information. \n2. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX XXXXXXXX ) : Reinforced the duty of credit bureaus to correct or remove inaccurate or unverifiable information when disputed by consumers. \n3. Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( XXXXXXXX XXXX XXXXXXXX ) : Established that permissible purpose under the FCRA must be explicitly authorized by the consumer. Unauthorized reporting violates this standard. \n\nPattern of Malicious Intent The ongoing reporting of unauthorized information, despite my clear opt-out notice and FTC report , reflects intentional disregard for federal law and my consumer rights. The actions of Equifax, XXXX, and XXXX demonstrate : 1. Fraudulent Intent : By retaining and sharing unauthorized information, the agencies are profiting from data that they have no right to possess or report. \n2. Deceptive Practices : Failing to block disputed information within the legally mandated timeframe is a deliberate act of noncompliance. \n3. Irreparable Harm : The continued reporting of false and unauthorized accounts has caused severe damage to my financial reputation and creditworthiness. \n\nDemand for Immediate Action I demand the following : 1. Immediate Blocking of All Unauthorized Information : The accounts, names, and addresses listed above must be blocked and removed from my credit report within four business days, as required by federal law.\n\n2. Written Confirmation : Provide written confirmation that all disputed information has been removed and will not be re-reported.\n\n3. Full Compliance with Federal Law : Ensure that my opt-out notice and FTC report are fully honored, and no further unauthorized information is reported on my consumer file. \n\nSupporting Documentation I am including the following : FTC Identity Theft Report Government-issued identification Proof of address Conclusion The repeated failure of Equifax, XXXX, and XXXX to comply with federal law constitutes a gross abuse of their role as consumer reporting agencies. I am a victim of their negligence and willful noncompliance, and I expect the CFPB to take immediate action to enforce my rights under the FCRA. \n\nFailure to comply with this demand will result in further legal action and escalated complaints to federal enforcement agencies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T01:31:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"10883900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-22T01:31:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my previous complaint and the submission of valid documentation, these <em>credit</em> reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair <em>Credit</em> Reporting Act ( FCRA ), and further exposes a pattern of <em>malicious</em> intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.690968,"10883900"]},{"_index":"complaint-public-v1","_id":"10883883","_score":8.690968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX Experian XXXX Subject : Urgent Demand for Removal of Unauthorized Accounts, Personal Information, and Violations of Federal Law Dear CFPB, This is my second formal complaint against XXXX, Experian, and XXXX for their blatant disregard of federal law regarding the handling of my consumer report. Despite my previous complaint and the submission of valid documentation, these credit reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair Credit Reporting Act ( FCRA ), and further exposes a pattern of malicious intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1. Unauthorized Accounts Still Reporting : The following accounts remain on my credit report despite my formal dispute and submission of an FTC Identity Theft Report supported by proper identification and proof of address : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX These accounts were reported without my informed consent, as required under 15 U.S.C. 1681b, and their continued reporting is both unauthorized and fraudulent.\n\n2. Unauthorized Names and Addresses : My consumer report continues to list the following unauthorized and inaccurate personal information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The only name that should be reporting is XXXX XXXX XXXX and the only address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX \n3. Failure to Block Unauthorized Information Within Four Business Days : Under 15 U.S.C. 1681c-2, the credit reporting agencies were required to block the disputed accounts and personal information within four business days of receiving my FTC Identity Theft Report. Their failure to comply is a direct violation of federal law. \n\nLegal Violations and Supporting Case Law Violations : 1. FCRA 15 U.S.C. 1681b : Credit reporting agencies must have explicit written consent to report consumer information. These accounts and personal details were reported without my authorization. \n2. FCRA 15 U.S.C. 1681c-2 : The agencies are required to block disputed information within four business days after receiving proper documentation. Their failure to act demonstrates willful noncompliance. \n3. Gramm-Leach-Bliley Act 15 U.S.C. 6802 ( b ) ( c ) : Financial institutions must provide consumers with the opportunity to opt out of data sharing. The companies failed to notify me of this right and continued to share my data unlawfully. \n4. 18 U.S.C. 894 Collection of Extensions of Credit by Extortionate Means : The continued reporting of false and unauthorized information on my consumer report constitutes extortionate means to enforce or collect on disputed accounts. \n\nCase Law : 1. Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasizes the FCRAs requirement for consumer reporting agencies to ensure the accuracy of reported information. \n2. Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXXXXXX XXXX XXXXXXXX ) : Reinforced the duty of credit bureaus to correct or remove inaccurate or unverifiable information when disputed by consumers. \n3. Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( XXXXXXXX XXXX XXXXXXXX ) : Established that permissible purpose under the FCRA must be explicitly authorized by the consumer. Unauthorized reporting violates this standard. \n\nPattern of Malicious Intent The ongoing reporting of unauthorized information, despite my clear opt-out notice and FTC report , reflects intentional disregard for federal law and my consumer rights. The actions of XXXX, Experian, and XXXX demonstrate : 1. Fraudulent Intent : By retaining and sharing unauthorized information, the agencies are profiting from data that they have no right to possess or report.\n\n2. Deceptive Practices : Failing to block disputed information within the legally mandated timeframe is a deliberate act of noncompliance.\n\n3. Irreparable Harm : The continued reporting of false and unauthorized accounts has caused severe damage to my financial reputation and creditworthiness. \n\nDemand for Immediate Action I demand the following : 1. Immediate Blocking of All Unauthorized Information : The accounts, names, and addresses listed above must be blocked and removed from my credit report within four business days, as required by federal law.\n\n2. Written Confirmation : Provide written confirmation that all disputed information has been removed and will not be re-reported.\n\n3. Full Compliance with Federal Law : Ensure that my opt-out notice and FTC report are fully honored, and no further unauthorized information is reported on my consumer file. \n\nSupporting Documentation I am including the following : FTC Identity Theft Report Government-issued identification Proof of address Conclusion The repeated failure of XXXX, Experian, and XXXX to comply with federal law constitutes a gross abuse of their role as consumer reporting agencies. I am a victim of their negligence and willful noncompliance, and I expect the CFPB to take immediate action to enforce my rights under the FCRA. \n\nFailure to comply with this demand will result in further legal action and escalated complaints to federal enforcement agencies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T01:31:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"10883883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-22T01:13:06.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my previous complaint and the submission of valid documentation, these <em>credit</em> reporting agencies continue to report unauthorized and inaccurate accounts, names, and addresses on my consumer report. Their willful noncompliance constitutes a severe breach of federal statutes, including the Fair <em>Credit</em> Reporting Act ( FCRA ), and further exposes a pattern of <em>malicious</em> intent to harm my creditworthiness. \n\nOngoing Violations of Federal Law 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.690968,"10883883"]},{"_index":"complaint-public-v1","_id":"2912531","_score":8.40427,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX To whom it may concern : On XX/XX/XXXX I called Equifax to request a full copy of my credit report, as well as I wanted to pay for my credit score.\n\nFor starters, I feel that my phone number is set up so that every time I call Equifax, I hit road blocks, my calls always go to the XXXX, or XXXX, somewhere out of the United States, every time this happens.\n\nI always ask for them to please transfer me to a United States representative, then I have to wait for long periods of time, I get hung up on after waiting at times, and I have to call again, and again, and again.\n\nI feel that my calls are intentionally being sent global, due to the fact that I have had to make, many, many, many complaints against Equifax to several agencies, for Equifaxs fraudulent, deceptive, malicious handling of my credit file for at least the past 6 years.\n\nAs well as I have had to have several attorneys to write them within the past 2 years, regarding their malicious deeds.\n\nOn XX/XX/XXXX when I called, my call went to it seems XXXX, I requested a United States representative, then I had to wait, and wait, so I hung up and called back.\n\nAgain, my call went to XXXX, but I was able to get this person to transfer my call to the United States.\n\nThe United States representative that I spoke to, I explained to her that I was calling to request a copy of my credit report, and I wanted to pay for my credit score.\n\nThe Equifax representative asked me all sorts of questions to verified who I was, then she asked me to wait on hold, after the wait, when she came back on the line, she decided that she wanted to charge me for my credit report as well.\n\nAt the beginning of my call, I had explained to the representative, that I was denied credit by XXXX XXXX, for their XXXX card recently, and I had been told by XXXX   that I could receive a free copy of my credit report.\n\nAs well as I have not received my yearly free copy of my credit report from Equifax.\n\nThe representative insisted that I needed to pay for my credit report, she was not willing to understand that I was eligible for a full free copy of my report.\n\nI asked the representative to please let me speak to a supervisor, she got a male on the phone, who claimed to be a supervisor, and from the time he got on the phone, with the way he was treating me, I could tell that he wasnt listening to anything that I was saying, he was going right along with the female representative that got him on the phone, as a supposed supervisor, all he did was give me a hard time.\n\nHe began by telling me that I had already received 5 copies of my credit report already for the year, which was not at all true, and he said that he was not able to provide me with a copy of my credit report, whether I purchased one or not, I could not get my credit report.\n\nHe also put me through this security question quiz, he first asked me for my social security number, I gave it to him, he then asked me to name 3 credit cards that I have, and the balances, I provided the information to him for nothing, because he had already asked me for my social security number, and the rep prior to him had also verified who I was. Basically they had me on the phone just for harassment purposes only, the so called supervisor did not sound at all genuine.\n\nI am noticing, more and more, that every time now, when I call Equifax for my credit report, or score there is always a problem. They lie to me and tell me that I will be receiving the credit report, or the score that I had paid them for in 7 to 10 business days, and they have not been sending me the reports.\n\nOr they claim that due to the fact that I complained on them, I have open disputes, and they cant provide me with a report until the dispute is done.\n\nEven when I dont have open disputes, there is always some reason why I am not getting them to send me my credit reports, or my score, and as stated previously, even if I had paid for the score, they take my money, and dont send me the score in the mail, I have had to contact my card providers on more than one occasion to get my money back.\n\nI have had to call my bank or credit card company on more than one occasion to request a refund for the money that I paid for the credit score, because they charge my cards, but they dont send me my reports or score, as I have requested.\n\nWhat they are also doing to me when I call to request a credit report or my credit score, is they claim that they have to do a further security check on me, they say that there are a few questions that they need to ask me. They will ask me questions as to items on my credit report, such as did you purchases a vehicle between certain dates, then they name vehicles, and I have to choose the right one, or they ask me to name 3 credit accounts on my credit file, and even when I provide them with the correct answers, they claim that I am wrong, and they refuse to continue speaking to me, and they refuse to give me the report or credit score that I called them for, then they end the call, this has happened over and over to me since last year.\n\nI can understand verifications, and I provide them with everything that they ask from me, but what they are doing to me now, is harassment, no matter how they verify my information, they refuse to provide me with my credit report, or score.\n\nWhat they have done pretty much for the past few years, especially all of last year, out of spite, is when I have filed some sort of complaint against them, and I have had to file many, because of all of the deceptive, fraudulent things they have been doing with my credit file, is they refuse to send me a full credit report, what they do, is they might send me a one, two, or three page report, depending on where the Item that I had complained about, fell on the report pages, but they will not send me my full credit report, as I have been requesting.\n\nNow I see that they are not trying to provide me with a credit report, at all.\n\nThey have also been spiteing me for years now, by doing whatever false fraudulent deception that they can do and get away with, to keep my credit score as low as possible, even though they know that my credit score should be much, much higher than where they have spitefully been keeping it for the past few years.\n\nIve applied for credit and been denied, due to the fact that Equifax continues to refuse to raise my credit score as high as where it should rightfully be.\n\nFor years now, they have been applying ( some of their Equifax rating codes ) that do not apply to me, and my credit file, yet they use their deceptive codes on my file, to keep my score in the toilet, I have complained, and complained, and complained, yet they still continue with their vindictive harassment practices.\n\nDue to the fact of my having to fight Equifax for the past few years, for them insisting on reporting false fraudulent information on my credit file, and them refusing to remove it.\n\nOr the fact of them removing my {$50000.00} plus dollars of paid off school loans off of my credit file, loans that had raised my credit score.\n\nAnd the representatives at Equifax removed, and erased the paid off loans off of my credit file thereby drastically intentionally lowering my credit score.\n\nThey had no valid reason for removing the loans off of my credit file, they were reporting the loans incorrectly, they were reporting the loans as though they were transferred and differed when they werent, they were fully paid off, and I asked disputed and asked them to correct the false information that they were reporting about my loans, and instead, they completely took the loans off of my credit file.\n\nAnd I have had other false derogatory information on my credit file that was not even mines, such as wrong addresses, where I have never lived, medical collection accounts that werent even mines, or for people that I didnt even know, as well as other collection accounts, and when I fight and get this fraudulent information, my credit score still wasnt raised. When they put false fraudulent information on my credit file, they take big chunks out of my score, even when the false lies that they had placed on my credit files have been removed, my score is still low, always in the toilet.\n\nThey have just continued to do so many treacherous things to my credit file, and my score for the past few years.\n\nIn XX/XX/XXXX I had contacted your agency, because Equifax was reporting my correct social security number on my credit file, as well as they were also reporting and attaching a fraudulent social security number onto my credit file.\n\nA social security number in which they refused to remove off of my file, the fraudulent number that they were reporting, the only difference in that number and my social security number, was that my social began with a 5, and the fraudulent number began with a 4, but everything else was the same as mine.\n\nAnd I always had concern that they had, had that fraudulent number on my credit file for not so good purposes.\n\nEquifax reported this fraudulent number on my credit file for over a year, no matter how many times I disputed the fraudulent social security number on my credit file.\n\nNo matter who I contacted at Equifax to have it removed, no matter what agency I disputed this information with, Equifax insisted on leaving this fraudulent number on my credit file. Equifax did not remove the fraudulent number off of my credit file, until I contacted your agency in XX/XX/XXXX.\n\nAnd even though the fraudulent social security number was no longer showing on the reports that I had received since XX/XX/XXXX, I always felt that somehow in their data base, the number was still there linked to my credit file.\n\nFast forward to last year XX/XX/XXXX, my Equifax credit file was one of the ones that got hacked into, and the representatives at Equifax did not advise me that my credit information had been breached.\n\nThe representatives at Equifax knew that my credit information had been breached, and they didnt tell me anything until months later after the breach took place.\n\nAlso, Equifax has been placing Alerts onto my credit file without my knowledge, or consent. They block my credit, and then they notify the other bureaus to do the same, without me knowing anything, and they repeatedly do this, even though I ask them not to. And when they do this, they lie to the other bureaus, claiming that I requested the alerts be placed onto my credit files, when in actuality, I did not.\n\nI request at every telephone call that I place to Equifax, that they make sure that there are no phone numbers on my credit file, then I find that they are not honoring my request, even though they tell me that they are, I find that my telephone number that is unlisted, is being placed onto my credit file.\n\nI tell them that I dont want to be blocked from promotions, I want the promotional offers, and then I find out that they have blocked me any way from the promotions.\n\nLast XX/XX/XXXX, I went before a judge and had my name legally changed from my married name, to my maiden name, and I notified, and provided Equifax as well as the other credit bureaus with the legal documentation from the Judge of the court.\n\nEquifax has my full legal name as it is now, and I asked that they record my name on my credit file, not showing my full middle name, only the initial if necessary.\n\nIf possible I would prefer my middle name and initial to be removed.\n\nAnd even though Equifax allowed my credit information to be previously breached last year in XX/XX/XXXX, they have not honored my request regarding my name change.\n\nWhat they have done instead, is that they have placed my full new legal name including my middle name onto my credit file, even though I asked them not to.\n\nThe malicious representatives at Equifax, are opening the door for my personal information to be breached once again.\n\nThey know what my former name was, they have all of the information on me, but instead of listing my name as I have requested, they have listed my full new legal name.\n\nAnd they have refused to remove my former name from my credit, they are using my former name as an AKA, formerly known as ( XXXX  ), I ask that they remove my former name from my credit file, and they have refused more than once.\n\nSo since XX/XX/XXXX, when I provided them with my new legal name, they have been putting all of my new information out there for all of the world to see, they are damaging my identity even further.\n\n( I have attached a copy of the page showing how they have my name listed on my credit file ).\n\n( And I have also attached a copy of the letter that I provided to Equifax regarding my name change ).\n\n( And I am also attaching a copy of a certified letter, dated XX/XX/XXXX, in which an attorney from the law office of XXXX XXXX XXXX XXXX. wrote to Equifax advising them of how they are harming me by not removing my former name from my credit file.\n\nEquifax should not have placed my former name on my credit file, since I provided them with documented proof of my legal name change in XX/XX/XXXX of this year ).\n\n( XXXX  ), my former name is not supposed to appear on my credit file at all, and on XX/XX/XXXX when I spoke to that useless supervisor XXXX, from ( team XXXX ), as he claimed.\n\nXXXX  told me that, ( XXXX ), was still listed on my credit file, and he refused to do anything about removing my former last name off of my credit file.\n\nAnd he also refused to contact whomever had the ability to take my former last name off of my credit file.\n\nIts not his life that is being messed up, so he just didnt care, all he wanted to know was that he was being a road block in my life.","date_sent_to_company":"2018-05-20T23:10:56.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"2912531","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-20T22:57:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I feel that my calls are intentionally being sent global, due to the fact that I have had to make, many, many, many complaints against Equifax to several agencies, for Equifaxs fraudulent, <em>deceptive</em>, <em>malicious</em> <em>handling</em> of my <em>credit</em> <em>file</em> for at least the past 6 years.\n\nAs well as I have had to have several attorneys to write them within the past 2 years, regarding their <em>malicious</em> deeds."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[8.40427,"2912531"]},{"_index":"complaint-public-v1","_id":"14598841","_score":8.389392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Identity Theft Complaint and Demand for Enforcement Action Against Experian Information Solutions , Inc . \n\nI. INTRODUCTION AND STATEMENT OF CLAIM This is a formal identity theft and unfair trade practice complaint being filed against Experian Information Solutions , Inc. ( Experian ), under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the XXXX XXXX, 15 U.S.C. 1125, the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A, and the Privacy Act of 1974 ( 5 U.S.C. 552a ).\n\nExperian has demonstrated a pattern of willful, malicious, and negligent misconduct through the following unlawful acts : Continuing to furnish, maintain, and publish inaccurate, outdated, and false trade-lines after multiple formal disputes filed under 15 U.S.C. 1681i ; Monetizing and distributing my Personally Identifiable Information ( PII ) and federally protected trademark without consent or legal basis, in violation of the XXXX XXXX ; Committing aggravated identity theft by facilitating the unauthorized use and transmission of my identity data for commercial gain ; Engaging in unjust enrichment and deceptive practices, using my data to generate revenue while failing to correct known inaccuracies.\n\nII. FACTUAL BACKGROUND False and Inaccurate Reporting Experian has willfully failed to correct or delete inaccurate, unverifiable, and incomplete information after receiving multiple dispute notices from me, in violation of FCRA 611 ( 15 U.S.C. 1681i ) and 1681e ( b ). These trade-lines have negatively impacted my creditworthiness, defamed my character, and caused measurable harm. \n\nUnauthorized Use of Federally Registered Trademark The trade-name and identity Experian is commercially reporting and distributing is a federally protected trademark protected under XXXX Serial XXXX. XXXX. Experian has monetized this name without license or lawful authority, in violation of 15 U.S.C. 1125 ( a ) for false designation of origin and unauthorized use in commerce. Commercial Exploitation of My Identity a\nnd PII Experian continues to sell, share, and disseminate my private identity information, including my name, address, credit file contents, and identifying details, to data brokers and third parties, without my knowledge or consent. This conduct meets the criteria for aggravated identity theft under 18 U.S.C. 1028A, especially in cases where this information has been linked to unauthorized credit pulls and identity misuse. \nPattern of Disregard for Consumer Rights Experian has a long and well-documented history of noncompliance with federal law, violating the rights of millions of consumers. Despite regulatory scrutiny and civil litigation, Experian continues to engage in deceptive practices, including refusing to process disputes properly, failing to notify consumers of investigations, and selling consumer data without adequate safeguards.\n\nIII. CONTROLLING CASE LAW AGAINST EXPERIAN XXXX XXXX Experian Info. Solutions, XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) This class action lawsuit underscores Experians failure to correct inaccurate reporting and failure to conduct reasonable investigations under FCRA 1681i. Experian was accused of failing to remove obsolete and incorrect debt entries even after proper dispute procedures were followed. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Though focused on XXXX, this case supports the proposition that inaccurate credit reporting that creates a materially misleading impression is actionable under the FCRAapplicable to Experians conduct here. \n\nXXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The court held that Experian may be liable under the FCRA where it fails to conduct a reasonable reinvestigation and continues to furnish disputed data, especially when it is factually or legally inaccurate. The court emphasized that mere automation or reliance on furnisher confirmation is not sufficient under federal law. \n\nFTC v. Experian XXXX. Solutions, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The FTC previously sued Experian for deceptive practices regarding credit report marketing and the misuse of private information, resulting in a consent decree. The companys current behavior reflects a resurgence of the same misconduct, justifying renewed enforcement and penalties.\n\nIV. LEGAL VIOLATIONS ASSERTED Experians conduct constitutes violations of : 15 U.S.C. 1681e ( b ) failure to maintain accurate and up-to-date consumer reports ; 15 U.S.C. 1681n, and 1681o - Willful failure to ensure accuracy and correct false data ; Negligent and willful failure to investigate disputes and remove false trade-lines ; 15 U.S.C. 1681i ( a ) failure to conduct reasonable reinvestigation of disputed information ; 15 U.S.C. 1125 ( a ) un\nauthorized commercial use and infringement of federally registered trademark ; 18 U.S.C. 1028A aggravated identity theft by disseminating PII without consent ; 5 U.S.C. 552a violation of the Privacy Act through unauthorized disclosure and sale of personal data ; Common law defamation, negligence, conversion, and unjust enrichment.\n\nV. DEMAND FOR FTC ENFORCEMENT ACTION Immediately investigate Experian for identity theft, data misuse, trademark infringement, and ongoing FCRA violations ; Refer Experians identity theft violations to the Department of Justice for potential criminal prosecution under 18 U.S.C. 1028A ; Issue a Civil Investigative Demand ( CID ) to obtain all internal documentation regarding Experians handling of consumer disputes and the sale of credit files ; Compel Experian to cease and desist from further unauthorized use of my PII and federally protected trademark ; Impose monetary sanctions and penalties as authorized under the FCRA, XXXX XXXX, and the FTC Act for willful noncompliance ; Order complete deletion and removal of all disputed trade-lines and accounts that Experian has failed to verify as accurate and complete ; Require a full accounting of all third parties who have accessed, purchased, or obtained my data from Experian. \n\nVI. NOTICE OF INTENT TO PURSUE PRIVATE ACTION Let this serve as formal notice that if regulatory relief is not immediately forthcoming, I will initiate a civil suit or arbitration demand against Experian for identity theft, trademark infringement, defamation, and FCRA violations under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages.\n\nAll rights reserved. Without prejudice pursuant to UCC 1-308.","date_sent_to_company":"2025-07-11T15:56:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"14598841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-11T15:43:50.000Z","state":"NJ","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":["DEMAND FOR FTC ENFORCEMENT ACTION Immediately investigate Experian for identity theft, data misuse, trademark infringement, and ongoing FCRA violations ; Refer Experians identity theft violations to the Department of Justice for potential criminal prosecution under 18 U.S.C. 1028A ; Issue a Civil Investigative Demand ( CID ) to obtain all internal documentation regarding Experians <em>handling</em> of consumer disputes and the sale of <em>credit</em> <em>files</em> ; Compel Experian to cease and desist from further unauthorized"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.389392,"14598841"]},{"_index":"complaint-public-v1","_id":"3696830","_score":7.9795547,"_source":{"product":"Debt collection","complaint_what_happened":"Collection Company : Hunter Warfield Inc Phone : ( XXXX ) XXXX Address : HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Hunter Warfield Inc, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Hunter Warfield Inc regarding a debt they currently hold under my SSN. \n\nEach of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. \n\n\n\nHunter Warfield Inc has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX XXXX, FL XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls and postal letters made out to my father ( same name ), who lives in a different time zone and they have called him leaving voicemails between the hours of XXXX and XXXX XXXX  his local time. I have secured his phone records validating the time of contact and all the numbers can be traced back to Hunter Warfield Inc. Previously when I was contacted around XXXX XXXX  eastern standard time personally by this collection company ; a man who IDENTIFIED HIMSELF AS HUNTER WARFIELD, when I asked if that was his actual genuine individual name ( not to be confused with an entity ), he told me yes my personal name is HUNTER WARFIELD and when I asked what his title was, he told me that he was THE ATTORNEY assigned to handling my legal case and they had already filed and won a default judgement since I didnt return his previous phone calls. The male caller NEVER ASKED WHO I WAS OR VERIFIED MY IDENTITY. He did not preface the call with any kind of recording notice and did not explain that he was a debt collector for a debt collection company. When I questioned the validity of his name, title and requested a docket reference or case number and court, the man who identified himself as a LAWYER NAMED HUNTER WARFIELD, began to SCREAM THE MOST OBSCENE CURSE WORDS and went on a PROFANITY LACED TIRADE berating me and my debt. I was in complete shock and stricken with fear. I could not bring myself to believe what was happening. He ended the call by yelling that he was going to have me arrested because I was a broke deadbeat who couldnt pay to keep myself out of jail and there was nothing that I could do about it. As I took a breath to respond he shouted another vulgar term at me and slammed the phone down in my face. I am absolutely afraid for my life and safety knowing that this company teaches and supports these kinds of malicious attacks. If this is how they coach and develop their collection agents to lie, verbally abuse and mistreat me, I know with certainty they are treating my family members, roommates, and associates the same way when they call looking to bully demean and harass for information. \n\n\n\nHunter Warfield Inc is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. \n\n\n\nI feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. Hunter Warfield Inc had received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against Hunter Warfield Inc in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Hunter Warfield Inc. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. \n\n\n\nIn the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to several 3rd parties. The violently abusive actions from their collection representatives, threats towards me, along with credit reporting have put an agonizing amount of stress on me and ruined my XXXX  XXXX  XXXX. I refuse to be silent about their violent verbal abuse and illegal actions. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Hunter Warfield Inc in my state. Regarding my concerns, I am requesting a further investigation into Hunter Warfield Inc including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Hunter Warfield Inc, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.","date_sent_to_company":"2020-06-12T10:01:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"23059","tags":null,"has_narrative":true,"complaint_id":"3696830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2020-06-12T09:54:32.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["Previously when I was contacted around XXXX XXXX  eastern standard time personally by this collection company ; a man who IDENTIFIED HIMSELF AS HUNTER WARFIELD, when I asked if that was his actual genuine individual name ( not to be confused with an entity ), he told me yes my personal name is HUNTER WARFIELD and when I asked what his title was, he told me that he was THE ATTORNEY assigned to <em>handling</em> my legal case and they had already <em>filed</em> and won a default judgement since I didnt return his previous"]},"sort":[7.9795547,"3696830"]},{"_index":"complaint-public-v1","_id":"10453528","_score":7.546234,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Violations of Fair Credit Reporting Act ( FCRA ), Federal Trade Commission Act ( FTCA ), North Carolina Consumer Protection Act, Washington Consumer Protection Act, XXXX and XXXX Orientation Discrimination, and First Amendment Retaliation Dear Sir/Madam, I am writing to file a formal complaint against XXXX companies, Amazon and Synchrony Financial , for actions that I believe constitute violations of my rights under several federal and state laws, including the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission Act ( FTCA ) , the North Carolina Consumer Protection Act, the Washington Consumer Protection Act, as well as for engaging in discriminatory practices and retaliatory actions based on my status as an XXXXXXXX XXXXXXXX senior citizen. \nThe violations occurred during recent financial transactions and order-related interactions with both companies. Specifically, I believe that Amazon and Synchrony have acted unlawfully by misreporting or mishandling my financial data in a way that negatively affected my credit, in violation of the FCRA. Furthermore, their actions appear to have been conducted in bad faith, with deceptive business practices that contravene the FTCA and state consumer protection laws. \nIn addition to these violations, I believe that the companies have engaged in discriminatory practices. I have reason to believe that my status as an XXXX XXXXXXXX senior citizen was a factor in how my transactions and complaints were handled by Amazon and Synchrony. Their discriminatory behavior may also include retaliation for asserting my rights under the First Amendment, given the nature of the issues I raised in my complaints. The way they processed my transactions, handled customer service communications, and responded to my concerns suggests potential bias and retaliation, all which constitutes unfair and deceptive trade practices which should be thoroughly investigated. \nIncident Details 1. On XX/XX/XXXX, I ordered XXXX computer monitors from Amazon under ( order number XXXX ). For this purchase, I utilized Synchronys \" pay later '' credit terms, which resulted in a soft credit inquiry. My credit was approved, and the total cost of the monitors amounted to {$470.00}, as Exhibit XXXX. \nXXXX. On XX/XX/XXXX, Amazon informed me that one of the monitors from this order had been lost in transit. In response, Amazon generated a replacement order ( order number XXXX ), as Exhibit XXXX, and I received the replacement monitor on XX/XX/XXXX. \nXXXX. Even though I never returned either the original monitor or the replacement, Amazon falsely reported to Synchrony that both monitors had been returned on XXXX  separate dates : XX/XX/XXXX, and XX/XX/XXXX, respectively. As a result of this false reporting, Synchrony inaccurately documented that I only owed {$1.00} in finance charges, which they subsequently auto-drafted from my checking account. The relevant transaction details can be found in Exhibit XXXX. \nXXXX. This inaccurate reporting has caused significant financial and reputational harm. Amazon knowingly provided incorrect information to Synchrony, giving the impression that I had returned both monitors when I had not. Their actions suggest an intent to defraud and create the appearance that I had engaged in fraudulent activity. I believe these actions are connected to an ongoing civil rights lawsuit ( XXXX XXXX. : XXXX, XXXX XXXX XXXX XXXX XXXX ) in which I am the plaintiff, and the North Carolina State Bureau of Investigation ( SBI ) is involved. Several agents from the SBI are known to be listed as defendants in this case upon an amended complaint or an additional complaint to be filed, and I believe there is coordination between Amazon and these parties. \nXXXX. Additionally, I have reason to believe that Amazon, either knowingly or unknowingly, allowed third partiesincluding law enforcement agents involved in my civil litigationto tamper with my account. On XX/XX/XXXX, a fraudulent gift receipt was generated in my Amazon account without my knowledge or consent. A copy of this fraudulent receipt is attached as Exhibit XXXX. \nXXXX. Upon careful examination of this gift receipt, I noticed that the delivery address listed is in XXXXXXXX XXXX ZIP code XXXX. This location corresponds with the FBI field office at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX which I have reason to believe is involved in my ongoing criminal investigation and that FBI Special Agents XXXX XXXX, XXXX XXXX, and XXXX XXXX, are involved not only in the investigation directly or indirectly but are involved in this incident. Additionally, FBI Special Agents from the XXXX and XXXX XXXX XXXX offices, including Special Agents XXXX XXXX and XXXX XXXX, have also been involved in my investigation and involved in this incident. \nXXXX. I strongly suspect that these fraudulent actions involving Amazon, Synchrony, and law enforcement agents are intended to undermine my civil rights case and tarnish my reputation and cause me to be falsely arrested/indicted. These coordinated efforts have caused both financial and emotional distress. \nUnlawful Interception and Retaliation XXXX. This is not the first instance in which Amazon has unlawfully allowed interference with my lawful purchases. In fact, the State Bureau of Investigation ( SBI ) agentsintercepted one of my shipments without a valid judicial warrant or any legal basis. I have been a loyal Amazon customer since XXXX, and during that time, my family ( including my sister XXXX XXXX and my mother XXXX XXXX ) and I have made XXXX purchases, Exhibit XXXX. We have never initiated a chargeback or engaged in any questionable activities that would warrant such scrutiny. The payment history of my Amazon account, which spans over XXXX pages, reflects a clean transaction record, Exhibit XXXX. \nXXXX. Despite this, Amazon now imposes a discriminatory practice by requiring me to use a special pin code for any purchase over {$120.00}. Additionally, either I or a family member must be physically present to receive the delivery, which is not a standard Amazon policy for other customers. This practice is retaliatory, discriminatory, and defamatory, as it unjustly implies that I or my family have committed fraudulent acts, which is categorically false. \n\n\nXXXX. Further raising suspicion, I have observed SBI agents acting as Amazon delivery drivers on multiple occasions. This is highly concerning, as it calls into question the legitimacy of those delivering my orders. For instance, when I received the replacement monitor from order number XXXX, it was delivered by a XXXX  male in his XXXX, wearing street clothes and using a large XXXX rental truck with XXXX XXXX tags. There were no identifiers on the individual or the vehicle indicating that he was employed by Amazon or any of its delivery contractors. The delivery note even stated that the package was handed to a person named \" XXXX, '' although I signed nothing, nor was I asked my name by this individual, Exhibit XXXX. \nXXXX. Upon reviewing my account records, I found no other instance in which a delivery was handed to \" XXXX or XXXX XXXX or XXXX XXXX, '' ( See Exhibit XXXX ) further suggesting that this person was not an Amazon employee but rather a law enforcement agent involved in my ongoing criminal investigation and civil rights lawsuit. \nXXXX. If this is proven to be true, Amazon has not only engaged in unfair and deceptive trade practices but has also acted as an agent of the state of North Carolina, aiding and abetting law enforcement in their investigation without a judicial warrant or court order. This constitutes an unfair and deceptive trade practice, and it has caused me significant harm. \nXXXX XXXX XXXX Placed on XX/XX/XXXX XXXX. A prime example of Amazon acting deceptively, and potentially as an agent of the state, is the case of Order Number XXXX, This order, placed on XX/XX/XXXX, was intercepted by an agent operating out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agent, identified as XXXX XXXX, took receipt of the package on XX/XX/XXXX, at XXXX XXXX, as confirmed by XXXX XXXXXXXX XXXX. ( See label on box, as to Exhibit XXXX ). Later that day, around XXXX XXXX, the package was delivered to me by an unidentifiable driver, and the product arrived damaged. \nXXXX. Amazon subsequently issued a replacement order ( XXXX XXXX XXXX ) on XX/XX/XXXX, Exhibit XXXX, but this replacement was also reported lost in transit. When I contacted XXXX  regarding the replacement, they confirmed that the item could not be located, Exhibit XXXX. \nXXXX. These actions not only violate my rights but also appear to be part of a concerted effort to retaliate against me for exercising my First Amendment rights. Amazon, through its interactions with law enforcement, has effectively aided and abetted unlawful activities, contributing to an unfair and deceptive trade practice. \nXXXX. Furthermore, after I filed formal complaints with the North Carolina Attorney Generals Consumer Protection Division, Exhibit XXXX and the Washington State Attorney Generals Consumer Protection Division, Exhibit XXXX, filed on or about XX/XX/XXXX and Consumer Financial Protection Bureau ( CFPB ), Exhibit XXXX, this was when Amazon began to impose these punitive and retaliatory measures restricting my account and denying me the ability to use credit terms with Synchrony. \nXXXX. These deliberate actions by Amazon and Synchrony not only damaged my financial standing but also defamed my character, causing significant distress. I respectfully request that the FTC investigate these matters and take appropriate action to address the violations of my rights and the deceptive practices employed by these companies. \nCredit Misreporting and Defamatory Actions XXXX. In addition to the issues mentioned above, Amazon has falsely reported to Synchrony that I returned the computer monitors purchased on XX/XX/XXXX. This inaccurate reporting has resulted in misleading information being sent to Synchrony, which now reflects that I owe only {$1.00} in finance charges rather than the full {$470.00} ( See Exhibit XXXX ). This is a gross misrepresentation of the facts, as I never returned either monitor, nor did I ever indicate any intention to do so. I owe the full amount for both monitors, and Amazons false reporting has defrauded Synchrony while creating an inaccurate and defamatory portrayal of my actions as unlawful. \n\n\n\n\nXXXX. Moreover, Amazon and Synchrony have impeded my ability to use Synchronys \" pay later '' feature on my account, allegedly at the request of one or more law enforcement agents. This action has caused additional financial hardship and further harmed my reputation. The implication that I have engaged in fraudulent activities is completely baseless, defamatory, and retaliatory in nature. These punitive measures appear to be in response to my legitimate complaints filed with government agencies and violate my First Amendment rights. This conduct constitutes an unfair and deceptive trade practice, aimed at punishing me for exercising my rights. \nXXXX. At no time have I provided false information to either Amazon or Synchrony. The XXXX ( XXXX ) on file with Amazon belongs to my mother, XXXX XXXX, who has authorized all charges made through my account going back to XXXX. She is prepared to provide an affidavit and testimony as to these facts in court, and she can be reached at ( XXXX ) XXXX. \nXXXX. Upon discovering the alleged fraud stemming from Amazon 's misreporting of facts related to my credit, including the fraudulent generation of a gift receipt ( See Exhibit XXXX ) associated with order number ending in # XXXX, and the malicious false reporting to Synchrony that I owed nothing. I have taken additional legal steps. I believe these actions were carried out intentionally by Amazon, possibly at the request of law enforcement agents involved in my ongoing investigation. As a result, I filed additional complaints with the North Carolina Attorney General and the Washington State Attorney General on XX/XX/XXXX, Exhibit XXXX. \nEfforts to Correct XXXX. I made several attempts to resolve these issues directly with Amazon. On XX/XX/XXXX, I sent a letter to Amazon outlining the errors and my concerns, Exhibit XXXX. I followed up the next day, XX/XX/XXXX, with another letter, Exhibit XXXX, and later that same day, I sent an additional follow-up communication, Exhibit XXXX. \nXXXX. Despite these efforts, Amazon refused to correct the errors. It became evident that Amazon intended to cause harm to me and my family. In response, I served them with a formal notice of my intent on XX/XX/XXXX, Exhibit XXXX. Amazon 's legal counsel responded on XX/XX/XXXX, but their response failed to resolve the matter satisfactorily, Exhibit XXXX. \n\nXXXX. It is also important to highlight the situation regarding XXXX XXXX XXXX. This order, placed on XX/XX/XXXX, was for the same model of monitor that Amazon previously claimed was lost in transit. An Amazon supervisor had informed me that these monitors were unavailable. I placed this order to demonstrate that the Amazon employee had lied for deceptive purposes. My intent was to return the monitor upon delivery, which I did. However, the return shipment route was highly unusual, raising further suspicions, Exhibit XXXX. \nXXXX. Amazon has engaged in misleading communications and actions, which appear to be influenced by law enforcement agents involved in the ongoing criminal investigation against me and my civil rights lawsuit. These practices amount to unfair and deceptive trade practices, Exhibit XXXX. Throughout these incidents, my Amazon account has remained in good standing. The addresses I have on file for my mother, sister, aunt, and a friend have remained unchanged, and there have been no deviations in my shipments, Exhibit XXXX. My payment methods have also remained consistent, apart from XXXX XXXX XXXX ( XXXX ) being replaced, Exhibit XXXX. Additionally, I currently have a credit balance of {$68.00} on the account, which belongs to my mother, Exhibit XXXX. \nSummary of Violations and Requests for Action I believe Amazon and Synchrony have committed the following violations : 1. Fraudulent Misreporting of Credit Transactions : Amazon and Synchrony have provided inaccurate information to Synchrony in violation of the Fair Credit Reporting Act ( FCRA ). This includes the false reporting that I returned items I purchased, creating a misrepresentation of my financial obligations and impacting my credit profile. \n2. Discriminatory Actions : I have experienced discriminatory practices based on my status as an XXXX  XXXX senior citizen, which violate both the North Carolina and Washington Consumer Protection Acts. These discriminatory actions have unfairly restricted my access to services that are otherwise available to other customers. \n3. First Amendment Retaliation : Amazons retaliatory actions, including discriminatory practices and false reporting, followed my legitimate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and state authorities. This retaliation is a direct infringement on my rights, protected under the First Amendment. \n4. Defamation : By falsely implying that I or my family have engaged in unlawful activity, Amazon has defamed us. This defamation is baseless, unsupported by any evidence, and has caused significant reputational damage. \nAll which constitutes unfair and deceptive trade practices. \nRequests for Corrective Action I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions to address the violations described above : 1. Order Amazon and Synchrony to Correct False Credit Information : Require Amazon and Synchrony to correct the inaccurate information reported on my account to Synchrony, including any credit reports that were negatively impacted by this false reporting. \n2. Investigate Unlawful Interference and Retaliatory Actions : Investigate the unlawful interference with my orders by State Bureau of Investigation ( SBI ) agents and the retaliatory and discriminatory actions taken by Amazon, which appear coordinated with law enforcement in violation of my civil rights. \n3. Furnish Corrected Information : Require Amazon and Synchrony to provide the corrected information to me and to the FTC as proof of their compliance with federal consumer protection laws, ensuring that all inaccuracies have been rectified. \n4. Restore Full Credit Privileges : Ensure that I am restored to full credit privileges with Synchrony, particularly the \" pay later '' feature offered to other customers through Amazon. Also, require the removal of any defamatory references from all records held by both companies. \nLegal Precedents and Supporting Arguments Regarding the misreporting of credit information and inaccuracies by Amazon and Synchrony, I would like to reference the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In that case, the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) argued that companies are legally obligated to report accurate credit information and to conduct thorough investigations into disputes. Similarly, Amazon and Synchrony have failed to properly investigate and address the inaccuracies on my account, constituting a violation of the FCRA. \n\nIn addition, these actions are discriminatory based on my status as an XXXX  XXXX senior citizen. Under federal law, it is illegal for creditors to make credit decisions based on sexual orientation or disability. The FTC has provided clear guidance on this issue, stating that discrimination in credit decisions against XXXX individuals is prohibited. By requiring me to use a pin code for deliveries and by implying that I have engaged in unlawful behavior, Amazon is violating these anti-discrimination principles. \nFurthermore, as highlighted in the case XXXXXXXX XXXX XXXXXXXX, the FTC and CFPB argued that consumer reporting agencies must fully investigate credit disputes. Amazon and Synchrony have failed to address the inaccuracies regarding my credit, neglecting their legal duty under the FCRA to correct false information. \nI have made multiple attempts to resolve this matter with Amazon, including making five phone calls, the most recent of which I have recorded as evidence. Despite my efforts to address these concerns, Amazon has refused to correct the knowingly false information it has reported to Synchrony. Both Amazon and Synchrony are fully aware of my XXXX, yet their actions have intentionally caused me undue emotional distress. \nI trust that the CFPB will take appropriate action to investigate these violations and hold both Amazon and Synchrony accountable for their misconduct. \nThank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any further questions or require additional information.","date_sent_to_company":"2024-10-14T08:58:57.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"28806","tags":"Older American","has_narrative":true,"complaint_id":"10453528","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-10-14T08:54:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The way they processed my transactions, <em>handled</em> customer service communications, and responded to my concerns suggests potential bias and retaliation, all which constitutes unfair and <em>deceptive</em> trade practices which should be thoroughly investigated. \nIncident Details 1. On XX/XX/XXXX, I ordered XXXX computer monitors from Amazon under ( order number XXXX ). For this purchase, I utilized Synchronys \" pay later '' <em>credit</em> terms, which resulted in a soft <em>credit</em> inquiry."]},"sort":[7.546234,"10453528"]},{"_index":"complaint-public-v1","_id":"14608528","_score":7.1142488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX TransUnion, LLC I. INTRODUCTION AND NATURE OF COMPLAINT This Notice serves as a formal identity theft complaint and demand for investigation and regulatory enforcement against TransUnion, LLC ( hereinafter TransUnion ), a nationwide consumer reporting agency, pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the XXXX XXXX, XXXX XXXX. XXXX, the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and the Privacy Act of XXXX ( XXXX XXXX. XXXX ). \n\nTransUnion has repeatedly and willfully violated federal consumer protection statutes by : Knowingly publishing and reporting false, inaccurate, and incomplete trade-line data despite formal disputes submitted under FCRA XXXX XXXX XXXX XXXX. XXXX ) ; Commercializing and monetizing my Personally Identifiable Information ( PII ) and federally registered trademark without my consent, authorization, or legal basis ; Engaging in unfair, deceptive, and fraudulent business practices to unjustly enrich themselves at the expense of my identity, brand, and consumer rights. \n\nXXXX. FACTUAL BASIS AND BACKGROUND False and Inaccurate Reporting : TransUnion has continued to furnish and publish erroneous, misleading, and defamatory trade-lines that do not belong to me or are inaccurate, incomplete, unverifiable, or outdated. Disputes were submitted in accordance with XXXX XXXX. XXXX ( a ), and yet TransUnion failed to conduct a reasonable reinvestigation, as required by law. \n\nUnauthorized Use of Federally Protected Trademark : The trade name and identity associated with the reported data is a federally protected trademark on file with the United States Patent and Trademark Office under Serial Number : XXXX. TransUnion has knowingly used my intellectual property for its own financial gain and commercial purposes, in violation of the XXXX XXXX, constituting willful trademark infringement and false association, actionable under XXXX XXXX. XXXX ( a ). \n\nAggravated Identity Theft and Monetization of PII : By knowingly using, selling, and distributing my private and proprietary identity information and brand in consumer files sold to third parties, debt collectors, and financial institutions, TransUnion has committed aggravated identity theft under XXXX XXXX. XXXX, especially where this use resulted in unlawful financial transactions, account activity, or credit denials that injured my person and estate. \n\nUnjust XXXX and XXXX Practices : TransUnion 's continued monetization of my personal and intellectual property without lawful claim or authorization constitutes unjust enrichment and conversion, actionable under both federal common law and state consumer protection statutes. The corporation profits by selling data reports containing private, inaccurate, or disputed content while willfully ignoring multiple certified demands for correction and removal. \n\nXXXX. SUPPORTING CASE LAW XXXX XXXX TransUnion LLC, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affd in part, revd in part, TransUnion LLC XXXX XXXX, XXXX XXXX ___ ( XXXX ) : The XXXX Supreme Court held that TransUnions willful reporting of misleading and incorrect information regarding a large class of consumers credit fileswithout verifying or removing such data despite disputesconstitutes a violation of FCRA and is subject to monetary and injunctive relief. The Court further emphasized that consumers suffer a concrete reputational harm when false information is sold to third parties. \n\nXXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Established precedent that entities collecting and monetizing PII without proper consent, and failing to adhere to industry standards, are liable for negligence, identity misuse, and breach of duty. \n\nXXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) : Affirms that unauthorized use of XXXX without actual damagesgives rise to statutory damages under the Privacy Act of XXXX when the data holder fails to secure or properly handle a subjects private identity information. \n\nFTC XXXX TransUnion XXXX, XXXX. XXXX C XXXX ( XXXX XXXX XXXX ) : TransUnion was previously enjoined by the FTC for deceptive marketing and use of consumer reports in violation of the FCRA. Despite prior enforcement actions, TransUnion continues to operate in bad faith and noncompliance, warranting renewed regulatory enforcement. \n\nIV. LEGAL VIOLATIONS ASSERTED TransUnions conduct amounts to multiple willful violations of federal law, including but not limited to : FCRA ( XXXX U.S.C. XXXX ( b ), XXXX ) failure to ensure maximum possible accuracy ; failure to correct and delete disputed data ; XXXX XXXX ( XXXX XXXX. XXXX ) unauthorized commercial use and infringement of protected trademark ; XXXX XXXX. XXXX aggravated identity theft by unauthorized and injurious use of PII ; XXXX XXXX. XXXX violation of the Privacy Act through misuse of private data for commercial benefit ; Common Law Tort of Defamation and Unjust Enrichment willful and reckless publication of false information and financial benefit from the use of anothers identity and brand. \n\nV. DEMAND FOR RELIEF AND FTC ENFORCEMENT ACTION In light of the egregious violations detailed above, I respectfully and firmly demand the following from the Federal Trade Commission : Immediate investigation into TransUnions identity theft, trademark infringement, and data misuse practices ; Civil and/or criminal referral to the Department of Justice where applicable under XXXX U.S.C. XXXX ; Issuance of a formal FTC Civil Investigative Demand ( CID ) to audit TransUnion 's consumer reporting and data marketing practices ; Formal injunctive relief to halt further unauthorized distribution or monetization of my identity, XXXX, and federally protected trademark ; Order TransUnion to permanently delete all inaccurate, unverified, or unauthorized data entries associated with my name or trade-name causing defamation, harm, damage, and injury to my person and creditworthiness ; Full disclosure and accounting of all XXXX  parties to whom my consumer report and identity data have been sold or transmitted ; Maximum civil penalties and monetary sanctions authorized under the FCRA, XXXX XXXX, and applicable FTC enforcement XXXX. \n\nVI. CLOSING NOTICE AND RESERVATION OF RIGHTS Let it be known that TransUnions continued inaction, evasion, or negligent response to disputes, demands, or correction notices will be deemed willful and malicious, and I reserve the right to pursue civil damages in federal court or arbitration, as well as to initiate a class action against TransUnion for systemic violations under XXXX U.S.C. XXXX, XXXX XXXX. XXXX, and related statutes. \n\nAll rights reserved, without prejudice, XXXX XXXX.","date_sent_to_company":"2025-07-11T15:21:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"14608528","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T15:07:27.000Z","state":"NJ","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":["XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) : Affirms that unauthorized use of XXXX without actual damagesgives rise to statutory damages under the Privacy Act of XXXX when the data holder fails to secure or properly <em>handle</em> a subjects private identity information. \n\nFTC XXXX TransUnion XXXX, XXXX. XXXX C XXXX ( XXXX XXXX XXXX ) : TransUnion was previously enjoined by the FTC for <em>deceptive</em> marketing and use of consumer reports in violation of the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[7.1142488,"14608528"]},{"_index":"complaint-public-v1","_id":"7563619","_score":6.28315,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just XXXX  or repeat exactly what Capital One states without the requisite XXXX XXXXXXXX independent unbiased inquiry. Capital One can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of Capital One accounts on my credit file. If Capital One wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for Capital One, only a JURY can resolve the dispute at this point as credit reporting agencies can not just XXXX  known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by Capital One and accepted by me, only a JURY can provide Capital One with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether Capital One acted appropriately. While Capital One does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from Capital One and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by Capital Ones no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. Capital Ones information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. Capital One affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if XXXX  XXXX and COVID-19. I accepted expected promised relief which Capital One refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after 30 plus hours of calls. Capital Ones reporting is so bad that CRAs are now put in actual notice that any reply by Capital One is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from Capital Ones illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of Capital One is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and COVID-19. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally XXXX for the JURY. The grave responsibility imposed by the FCRA must consist of something more than XXXX information received from other sources, XXXX information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by Capital One and others to provide the offered 3 months of unconditional payment deferrals. During all multiple Capital One conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. Capital Ones refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that Capital One repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that Capital One would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of Capital Ones discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified US mail return receipt requested to put Capital One, XXXX, XXXX, XXXX and all closed account creditors including XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to Capital One and all closed accounts. CRAs can not assume Capital One receives and processes my dispute so they must securely deliver the complete complaint with exhibits to Capital One so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE Capital Ones accounts without waiting for a Capital Ones response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, Capital One needs to address each and every point in detail as would be expected in a U.S. Supreme Court decision unless it prudently instructs every CEA to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that Capital One and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any one point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief.\n\nI respectfully request : 1. The immediate and permanent deletion of each and every one of my accounts of Capital One from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from Capital One and any violating CRA {$1000.00} statutory damages against Capital One and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by Capital One and other lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, PARROTING, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I may be entitled to statutory, punitive and other damages for FCRA willful violations which damages may exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my Capital One and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively XXXX  other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the US District Court in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:21:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-18T15:14:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Unfortunately for Capital One, only a JURY can resolve the dispute at this point as <em>credit</em> reporting agencies can not just XXXX  known disputed data known to be incomplete, misleading, <em>deceptive</em>, inaccurate etc."],"sub_product":["<em>Credit</em> card debt"]},"sort":[6.28315,"7563619"]},{"_index":"complaint-public-v1","_id":"7563537","_score":6.282602,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just PARROT or repeat exactly what XXXX  XXXX states without the requisite XXXX  XXXX independent unbiased inquiry. XXXX XXXX can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of XXXX XXXX accounts on my credit file. If XXXX XXXX wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for XXXX XXXX, only a JURY can resolve the dispute at this point as credit reporting agencies can not just PARROT known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by XXXX XXXX XXXXnd accepted by me, only a JURY can provide XXXX XXXX with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether XXXX XXXXXXXX acted appropriately. While XXXX XXXX  does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from XXXX XXXX and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by XXXX XXXX no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. XXXX XXXX information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. XXXX XXXX affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if hurricane XXXX and XXXX. I accepted expected promised relief which XXXX XXXX refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after XXXX plus hours of calls. XXXX XXXX  reporting is so bad that CRAs are now put in actual notice that any reply by XXXX XXXX is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from XXXX XXXX  illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of XXXX XXXX is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and XXXX. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally one for the JURY. The grave responsibility imposed by the FCRA must consist of something more than PARROTING information received from other sources, PARROTING information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by XXXX XXXX and others to provide the offered 3 months of unconditional payment deferrals. During all multiple XXXX XXXX conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. XXXX  XXXX  refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that XXXX XXXX repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that XXXX XXXX would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of XXXX XXXX  discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified XXXX mail return receipt requested to put XXXX  XXXX, XXXX, XXXX, XXXX and all closed account creditors including Bank XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to XXXX XXXX and all closed accounts. CRAs can not assume XXXX XXXX receives and processes my dispute so they must securely deliver the complete complaint with exhibits to XXXX XXXX so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE XXXX XXXX accounts without waiting for a XXXX XXXX response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, XXXX XXXX needs to address each and every point in detail as would be expected in a XXXX Supreme Court decision unless it prudently instructs every XXXX to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that XXXX XXXX and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any XXXX point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief. \n\nI respectfully request : XXXX. The immediate and permanent deletion of each and every XXXX of my accounts of XXXX XXXX from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from XXXX  XXXX and any violating CRA {$1000.00} statutory damages against XXXX XXXXXXXX and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by XXXX XXXXXXXX and XXXX lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, XXXX, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I XXXX be entitled to statutory, punitive and other damages for FCRA willful violations which damages XXXX exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my XXXX XXXX and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively MOOT other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the XXXX XXXX XXXX in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:13:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-18T15:05:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Unfortunately for XXXX XXXX, only a JURY can resolve the dispute at this point as <em>credit</em> reporting agencies can not just PARROT known disputed data known to be incomplete, misleading, <em>deceptive</em>, inaccurate etc."],"sub_product":["<em>Credit</em> card debt"]},"sort":[6.282602,"7563537"]},{"_index":"complaint-public-v1","_id":"11017799","_score":6.259062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. \nTransUnion LLC Subject : Formal Demand for Immediate Removal of Unauthorized and Fraudulent Information from My Credit Report To Whom It XXXX Concern, This formal complaint is directed at XXXX and TransUnion, XXXX credit reporting agencies whose actions display a willful disregard for federal law, consumer rights, and their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting my FTC Identity Theft Report, along with proof of identification ( a valid drivers license ) and proof of address ( a XXXX form from XXXX ), both agencies have failed to comply with XXXX U.S.C. XXXX ( FCRA Section XXXX ), which mandates the blocking of disputed information within XXXX ( XXXX ) business days of receiving proper documentation. \nInstead, I am being subjected to unlawful delay tactics, including a baseless demand for my Social Security XXXX ( XXXX ). This request is unnecessary under federal law and contrary to your own guidelines, which clearly state that alternative forms of identification, such as a drivers license, SSN card, and utility, suffice for identity verification. \nThis letter demands immediate action to remove the following unauthorized accounts, names, addresses, and inquiries, which continue to harm my financial standing and reputation : XXXX Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX appear on my report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Only XXXX Cinnamon XXXX XXXX XXXX XXXX, FL XXXX XXXX authorized. \nViolations of XXXX XXXX XXXX. Failure to XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX FCRA XXXX XXXX, both XXXX and TransUnion are XXXX to block disputed information within XXXX business days of receiving appropriate documentation. My FTC Identity Theft Report and supporting documents were submitted in full compliance with federal law. Your refusal to act is a direct violation of this statute. \nXXXX. Unlawful Reporting Without Consent ( XXXX XXXX. XXXX ) : Reporting unauthorized accounts, names, and addresses without my written consent constitutes fraud under FCRA. By continuing to profit from this false information, you violate federal consumer protection laws and demonstrate malicious intent. \nXXXX. Constitutional Violations Due Process ( Fifth and Fourteenth Amendments ) : Your refusal to comply with federal law deprives me of due process, as my creditworthiness is being harmed without proper recourse or resolution. This violation of constitutional protections further highlights the severity of your misconduct. \nXXXX. Unfair and Deceptive Practices ( Section XXXX ( a ) of the FTC XXXX ) : Your ongoing refusal to address my complaints and block unauthorized information is an unfair and deceptive practice, warranting federal penalties and potential enforcement actions. \nXXXX Demands XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked from my credit reports within XXXX ( XXXX ) business days of receipt of this letter, in accordance with XXXX XXXX. XXXX. \nXXXX. Written Confirmation of Compliance : Both agencies must provide written confirmation that the disputed information has been blocked or removed permanently from my credit reports. \nXXXX. Cease Unlawful Demands for XXXX : XXXX and TransUnion must immediately cease their unlawful demand for my Social Security XXXX, as federal law does not require its submission for identity verification or blocking requests. \nXXXX. XXXX XXXX XXXX : Both agencies must implement improved internal compliance measures to ensure future adherence to federal blocking requirements and avoid delays in handling identity theft claims. \nSevere Penalties for Noncompliance Failure to comply with this demand will result in : XXXX. Escalation to Regulatory Authorities : I will submit formal complaints to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to hold XXXX and TransUnion accountable for their unlawful practices. \nXXXX. XXXX XXXX : I will pursue legal remedies for violations of the FCRA, constitutional rights, and consumer protection laws. Potential liabilities include : Statutory damages : Up to {$1000.00} per violation under XXXX XXXX. XXXX and XXXX. \nPunitive damages for willful noncompliance. \nTreble damages under the XXXX XXXX ( XXXX XXXX. XXXX ) if fraudulent reporting practices are proven. \nXXXX. XXXX Penalties and XXXX XXXX : I will seek injunctive relief to prevent further violations and civil penalties for your deliberate noncompliance with federal statutes. \nRequiring an XXXX to process a blocking request is baseless, as federal law explicitly states that sufficient proof of identity can include a drivers license, passport, XXXX form, or utility bill. Forcing consumers to provide unnecessary sensitive information creates privacy risks, obstructs due process, and imposes an undue burden. \nLegal Violations and Concerns XXXX. Exceeding Federal Requirements : The FCRA ( XXXX XXXX. XXXX ) does not require an SSN for identity verification when disputing inaccuracies or blocking information. Experians and TransUnions insistence on an XXXX contradicts this federal standard, effectively creating barriers to compliance. \nXXXX. Privacy Violations and Due Process : Demanding an SSN unnecessarily puts consumers at risk of identity theft and breaches their constitutional right to privacy ( XXXX XXXX ). Additionally, this obstructive practice deprives me of my due process rights under the Fifth and Fourteenth Amendments, as it delays resolution and defames my creditworthiness. \nXXXX. XXXX XXXX XXXX : If the XXXX requirement is an internal policy, it goes beyond federal law and reveals potential conflicts of interest. Such policies XXXX be designed to retain consumer data for financial gain, violating the XXXX XXXX ( XXXX XXXX. XXXX ), which protects against unauthorized disclosure of personal information. \nXXXX. Pattern of Obstruction and Fraudulent Intent : These practices align with the systemic failures demonstrated in Case # XXXX, where XXXX XXXX, a Consumer Affairs XXXX, failed to properly address my concerns or provide legal justification for similar obstructive actions. This pattern of conduct reflects an industry-wide issue where internal policies are weaponized to prevent lawful compliance with federal mandates. \nSpecific Violations by XXXX and TransUnion XXXX. Failure to XXXX XXXX ( FCRA XXXX ) : Despite proper submission of proof of identity and an FTC report XXXX the agencies have failed to block unauthorized accounts, names, and addresses within XXXX business days as required by law. \nXXXX. Unfair Practices ( FTC XXXX, Section XXXX ( a ) ) : The refusal to act on valid disputes constitutes an unfair and deceptive practice, warranting federal penalties and enforcement. \nXXXX. XXXX XXXX ( XXXX XXXX, XXXX XXXX. XXXX ) : If these agencies are profiting from retaining unauthorized consumer information or creating obstacles to dispute resolution, they XXXX be engaged in racketeering activities subject to treble damages, fines, and criminal penalties. \nDemands for XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked within XXXX ( XXXX ) business days of receipt of this letter. \nXXXX. Written Confirmation of Compliance : XXXX and TransUnion must confirm in writing that the disputed information has been blocked or removed permanently from my credit report. \nXXXX. XXXX and XXXX XXXX Practices : The agencies must immediately cease their baseless XXXX demand, which obstructs compliance and violates federal law. \nSevere Penalties for Continued Noncompliance Failure to act promptly will result in escalation, including : XXXX. XXXX Complaints : Filing additional complaints with the CFPB and FTC to seek enforcement action against XXXX and TransUnion. \nXXXX. Legal Action : Pursuing damages under the FCRA, the XXXX Act ( XXXX XXXX. XXXX ), and constitutional law violations. \nXXXX. Public Advocacy : Escalating this issue to consumer advocacy organizations and publicizing these agencies misconduct to prevent further victimization of consumers. \nConclusion XXXX and TransUnion must comply with federal law and recognize the severity of their actions. Their refusal to act not only harms me personally but undermines the integrity of the entire credit reporting system. I demand immediate resolution, as outlined above, or I will pursue all available legal, regulatory, and public remedies. \n\nConclusion Your refusal to block unauthorized and inaccurate information is not only a violation of federal law but also a direct attack on my financial stability and personal reputation. I demand full compliance with these legal requirements immediately. Failure to act will only strengthen my resolve to hold XXXX and TransUnion fully accountable under the law","date_sent_to_company":"2024-12-03T05:50:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11017799","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T05:50:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unfair and <em>Deceptive</em> Practices ( Section XXXX ( a ) of the FTC XXXX ) : Your ongoing refusal to address my complaints and block unauthorized information is an unfair and <em>deceptive</em> practice, warranting federal penalties and potential enforcement actions. \nXXXX Demands XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked from my <em>credit</em> reports within XXXX ( XXXX ) business days of receipt of this letter, in accordance with XXXX XXXX. XXXX. \nXXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[6.259062,"11017799"]},{"_index":"complaint-public-v1","_id":"11015398","_score":6.259062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . \nXXXX XXXX Subject : Formal Demand for Immediate Removal of Unauthorized and Fraudulent Information from My Credit Report To Whom It XXXX Concern, This formal complaint is directed at Experian and XXXX, XXXX credit reporting agencies whose actions display a willful disregard for federal law, consumer rights, and their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting my FTC Identity Theft Report, along with proof of identification ( a valid drivers license ) and proof of address ( a XXXX form from XXXX ), both agencies have failed to comply with XXXX U.S.C. XXXX ( FCRA Section XXXX ), which mandates the blocking of disputed information within XXXX ( XXXX ) business days of receiving proper documentation. \nInstead, I am being subjected to unlawful delay tactics, including a baseless demand for my Social Security XXXX ( XXXX ). This request is unnecessary under federal law and contrary to your own guidelines, which clearly state that alternative forms of identification, such as a drivers license, SSN card, and utility, suffice for identity verification. \nThis letter demands immediate action to remove the following unauthorized accounts, names, addresses, and inquiries, which continue to harm my financial standing and reputation : XXXX Accounts to Be Removed XXXX. XXXX Bank : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear on my report. \nUnauthorized Addresses to Be Removed XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX authorized. \nViolations of XXXX XXXX XXXX. Failure to XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX FCRA XXXX XXXX, both Experian and XXXX are XXXX to block disputed information within XXXX business days of receiving appropriate documentation. My FTC Identity Theft Report and supporting documents were submitted in full compliance with federal law. Your refusal to act is a direct violation of this statute. \nXXXX. Unlawful Reporting Without Consent ( XXXX XXXX. XXXX ) : Reporting unauthorized accounts, names, and addresses without my written consent constitutes fraud under FCRA. By continuing to profit from this false information, you violate federal consumer protection laws and demonstrate malicious intent. \nXXXX. Constitutional Violations Due Process ( Fifth and Fourteenth Amendments ) : Your refusal to comply with federal law deprives me of due process, as my creditworthiness is being harmed without proper recourse or resolution. This violation of constitutional protections further highlights the severity of your misconduct. \nXXXX. Unfair and Deceptive Practices ( Section XXXX ( a ) of the FTC XXXX ) : Your ongoing refusal to address my complaints and block unauthorized information is an unfair and deceptive practice, warranting federal penalties and potential enforcement actions. \nXXXX Demands XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked from my credit reports within XXXX ( XXXX ) business days of receipt of this letter, in accordance with XXXX XXXX. XXXX. \nXXXX. Written Confirmation of Compliance : Both agencies must provide written confirmation that the disputed information has been blocked or removed permanently from my credit reports. \nXXXX. Cease Unlawful Demands for XXXX : Experian and XXXX must immediately cease their unlawful demand for my Social Security XXXX, as federal law does not require its submission for identity verification or blocking requests. \nXXXX. XXXX XXXX XXXX : Both agencies must implement improved internal compliance measures to ensure future adherence to federal blocking requirements and avoid delays in handling identity theft claims. \nSevere Penalties for Noncompliance Failure to comply with this demand will result in : XXXX. Escalation to Regulatory Authorities : I will submit formal complaints to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to hold Experian and XXXX accountable for their unlawful practices. \nXXXX. XXXX XXXX : I will pursue legal remedies for violations of the FCRA, constitutional rights, and consumer protection laws. Potential liabilities include : Statutory damages : Up to {$1000.00} per violation under XXXX XXXX. XXXX and XXXX. \nPunitive damages for willful noncompliance. \nTreble damages under the XXXX XXXX ( XXXX XXXX. XXXX ) if fraudulent reporting practices are proven. \nXXXX. XXXX Penalties and XXXX XXXX : I will seek injunctive relief to prevent further violations and civil penalties for your deliberate noncompliance with federal statutes. \nRequiring an XXXX to process a blocking request is baseless, as federal law explicitly states that sufficient proof of identity can include a drivers license, passport, XXXX form, or utility bill. Forcing consumers to provide unnecessary sensitive information creates privacy risks, obstructs due process, and imposes an undue burden. \nLegal Violations and Concerns XXXX. Exceeding Federal Requirements : The FCRA ( XXXX XXXX. XXXX ) does not require an SSN for identity verification when disputing inaccuracies or blocking information. Experians and TransUnions insistence on an XXXX contradicts this federal standard, effectively creating barriers to compliance. \nXXXX. Privacy Violations and Due Process : Demanding an SSN unnecessarily puts consumers at risk of identity theft and breaches their constitutional right to privacy ( XXXX XXXX ). Additionally, this obstructive practice deprives me of my due process rights under the Fifth and Fourteenth Amendments, as it delays resolution and defames my creditworthiness. \nXXXX. XXXX XXXX XXXX : If the XXXX requirement is an internal policy, it goes beyond federal law and reveals potential conflicts of interest. Such policies XXXX be designed to retain consumer data for financial gain, violating the XXXX XXXX ( XXXX XXXX. XXXX ), which protects against unauthorized disclosure of personal information. \nXXXX. Pattern of Obstruction and Fraudulent Intent : These practices align with the systemic failures demonstrated in Case # XXXX, where XXXX XXXX, a Consumer Affairs Manager, failed to properly address my concerns or provide legal justification for similar obstructive actions. This pattern of conduct reflects an industry-wide issue where internal policies are weaponized to prevent lawful compliance with federal mandates. \nSpecific Violations by Experian and XXXX XXXX. Failure to XXXX XXXX ( FCRA XXXX ) : Despite proper submission of proof of identity and an FTC report XXXX the agencies have failed to block unauthorized accounts, names, and addresses within XXXX business days as required by law. \nXXXX. Unfair Practices ( FTC XXXX, Section XXXX ( a ) ) : The refusal to act on valid disputes constitutes an unfair and deceptive practice, warranting federal penalties and enforcement. \nXXXX. XXXX XXXX ( XXXX XXXX, XXXX XXXX. XXXX ) : If these agencies are profiting from retaining unauthorized consumer information or creating obstacles to dispute resolution, they XXXX be engaged in racketeering activities subject to treble damages, fines, and criminal penalties. \nDemands for XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked within XXXX ( XXXX ) business days of receipt of this letter. \nXXXX. Written Confirmation of Compliance : Experian and XXXX must confirm in writing that the disputed information has been blocked or removed permanently from my credit report. \nXXXX. XXXX and XXXX XXXX Practices : The agencies must immediately cease their baseless XXXX demand, which obstructs compliance and violates federal law. \nSevere Penalties for Continued Noncompliance Failure to act promptly will result in escalation, including : XXXX. XXXX Complaints : Filing additional complaints with the CFPB and FTC to seek enforcement action against Experian and XXXX. \nXXXX. Legal Action : Pursuing damages under the FCRA, the XXXX Act ( XXXX XXXX. XXXX ), and constitutional law violations. \nXXXX. Public Advocacy : Escalating this issue to consumer advocacy organizations and publicizing these agencies misconduct to prevent further victimization of consumers. \nConclusion Experian and XXXX must comply with federal law and recognize the severity of their actions. Their refusal to act not only harms me personally but undermines the integrity of the entire credit reporting system. I demand immediate resolution, as outlined above, or I will pursue all available legal, regulatory, and public remedies. \n\nConclusion Your refusal to block unauthorized and inaccurate information is not only a violation of federal law but also a direct attack on my financial stability and personal reputation. I demand full compliance with these legal requirements immediately. Failure to act will only strengthen my resolve to hold Experian and XXXX fully accountable under the law","date_sent_to_company":"2024-12-03T05:50:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11015398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T05:43:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unfair and <em>Deceptive</em> Practices ( Section XXXX ( a ) of the FTC XXXX ) : Your ongoing refusal to address my complaints and block unauthorized information is an unfair and <em>deceptive</em> practice, warranting federal penalties and potential enforcement actions. \nXXXX Demands XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked from my <em>credit</em> reports within XXXX ( XXXX ) business days of receipt of this letter, in accordance with XXXX XXXX. XXXX. \nXXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[6.259062,"11015398"]},{"_index":"complaint-public-v1","_id":"6478000","_score":6.1303663,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I made contact with Capital One Auto Finance to request a payment plan due to financial hardship. The hardship was temporary, and while I could make the full payment on XX/XX/XXXX if need be, it would be helpful in terms of my other expenses if they could push the payment back one month and extend the length of the loan accordingly.\n\nWhen I spoke to the representative, I had one stated goal which I made abundantly clear : I do not want derogatory information reported to credit bureaus. A reasonable mind - one of even below-average intelligence - would understand that this means I would only be looking for payment plans that would prevent the reporting of derogatory marks to credit bureaus. If no such plan was available, a reasonable mind of even below-average intelligence would understand that the only correct answer to my request is \" I'm sorry, we can not help you at this time. '' Failing that, it is obvious to any reasonable mind that when presenting other options to me anyway, it would be critical for them to state unequivocally and in no uncertain terms that the plan they are offering me would still result in derogatory information being reported to credit bureaus. \n\nUnfortunately, my experience could best be described as \" ineffective assistance of customer service '', to paraphrase from the legal world. And like ineffective assistance of counsel, the proper remedy is to remove the derogatory remarks and address the situation again with a representative that meets the \" below average '' intelligence qualifications outlined above. Below I will provide a description of my experience, as well as my experience with Capital One more broadly, and why I had no choice but to file complaints with the CFPB and the commonwealth Attorney General. \n\nOn XX/XX/XXXX, I spoke with a capital one representative and made my goal of the call clear : to prevent derogatory marks on my credit report. Secondarily, my goal was to push back my payments a month and extend the length of the loan accordingly. The representative ran my information through some system that makes all the decisions for him, and it said that I was not qualified to have payments pushed back one month. At this point, a reasonable mind would have said clearly that they do not have any options available to me that would meet my primary goal of preventing derogatory marks on my credit report. A reasonable mind would tell me that the only option available to me is to make the payment that day ( the due date ) in full. Unfortunately, there was no reasonable mind on the other end of the phone line. The representative offered to put me on a payment plan instead, saying nothing about the fact that my account would still be considered delinquent. \n\nThe terms of the plan would be that I would not have to make payments on XX/XX/XXXX, however, I would need to make slightly larger payments on the XXXX of XXXX, the XXXX of XXXX, and the XXXX of XXXX. At this point, I would be caught up and able to resume normal payments on XX/XX/XXXX. It is unclear to me what exactly this plan would accomplish ; I was still reported to the credit bureaus for being late because teh account was still considered delinquent. All this guy did for me was a little bit of math to spread out my payment, while still being delinquent every month until XXXX. I could've just done that myself anyway! I know how to divide my payment by 3 and split it up. If it's still going to be considered late either way, why do I need some representative to dress up a 3rd-grade math problem for me and call it a \" payment plan ''? Seriously- all they did was schedule 3 payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the slightly-higher amount. I wish I was making this up. I know it's hard to believe that they called this a payment plan, but I am absolutely serious. This really happened. Given the sheer absurdity of the existence of such a payment plan, it would be reasonable for me to assume that it would result in my account not being considered delinquent. I hate to make the same point repeatedly, but I think it really needs to be emphasized how absurd it is to call someone delinquent when they are making payments according to agreed-upon terms with the lender. Beyond that, avoiding a delinquency was the entire stated goal of the conversation. Even if this absurd payment plan was all they could offer me, it would be incumbent upon them to make it clear that this plan does not satisfy my request whatsoever. If I had this information, I would've made sure that the payment was made on XX/XX/XXXX and then called around to other lenders for potential relief instead. Again, I want to stress- this was the entire point of my call, and I made that clear. \n\nUpon seeing the shocking negative mark on my credit report in early XXXX, I immediately made contact with Capital One again and confronted the representative with their deception. Of course, it was not the same representative. It was someone else ( and then later, their XXXX ) telling me that \" of COURSE your account would still be considered delinquent! It's past the real due date, silly! '' as if it were obvious that an account could still be considered delinquent while payments were being made according to a verbal, legally binding agreement. They ultimately gave me the runaround and pushed me to file a dispute with their dispute department. ( One common theme with Capital One is that their MO is \" not my department '', and of course the right department is always deliberately designed to be impossible make contact with ). \n\nI asked to be transferred to the department that handles credit reporting. They, of course, would not do this. In fact, there is absolutely no way to talk to anyone involved with credit reporting at Capital One. Whenever credit reporting comes up in a phone call, they all have the same rehearsed talking points about \" neither I nor any other human alive can possibly talk to you about this. The people who can, apparently, do not have phones in the year of our lord XXXX. The great credit overlords are only reachable by Fax and nothing else. Please file a dispute ''. \n\nI had already filed a dispute regarding a similar matter with Capital One last XXXX. I provided documentation to support my claim, and demanded documented evidence from them that supported the negative mark on that account. They replied with a letter that simply stated \" lol no ''. I am being facetious of course ; they in fact sent a full page letter that said \" lol no '', but with 500 words. They did not provide any documented evidence to support their claim, including those documents which I expressly demanded. They provided no email or phone number for me to contact to follow up or discuss the dispute. Ultimately, I hired a law firm to handle the issue. Capital One, knowing that they were wrong all along, relented and removed this negative mark. I shouldn't have had to spend my hard-earned money proving that I am, in fact, correct ( perhaps I would've been able to make my XXXX payment with ease had I not spent money going after Capital One legally! But I digress... ). because of this prior experience, I did not even bother with filing an internal dispute in regard to the XX/XX/XXXX alleged delinquency. I don't need to wait 30 days for their kangaroo court to tell me \" lol no '' again. \n\nInstead, I submitted a dispute through XXXX, and Capital One ( I assume ) provided documentation that the payment was due on XX/XX/XXXX and that I hadn't made it. The derogatory mark remained. Capital One neglected to provide documentation to the credit bureau that would show that I was, in fact, in compliance with the agreed upon terms ( per the payment plan ) on the date that the derogatory mark was reported. While it's abundantly clear in hindsight that this payment plan was a total sham, there was simply no way to know in real-time that this \" plan '' was simply some call center rep pushing some buttons that I could've pushed by myself. \n\nEarly on, I alluded to my belief that this was all the result of personal incompetence, as well as overall bureaucratic incompetence. However, I harbor suspicions that Capital One 's motives for their deception and obfuscation may be both deliberate and sinister. The negative mark that I was disputing back in XXXX made it nearly impossible to get an auto loan for a new car ( a car which I needed due to a total loss, and which Capital One knew that I needed because the total loss was on a Capital One Auto account ). Surprisingly, despite my abysmal credit score, I was approved for relatively good financing terms ... from Capital One. And only Capital One. The sales reps were surprised I could get financing at all with my credit score, let alone for a new car at the rate that I did. It was after this that I hired XXXX XXXX to barrage them in order to get the mark removed. While it's possible XXXX XXXX was simply better at this than I am, the timing of that removal ( ie- immediately after my new car purchase ) raises a lot of questions. Did Capital One deliberately sabotage my credit score with information that they knew to be false in order to ensure I financed my new vehicle with them? I don't know the answer to that. Perhaps the Consumer Financial Protection Bureau will be able to find out. Until then, I will assume incompetence rather than malice. \n\nAll of this brings me to the letter I am writing today. Capital One routinely engages in deceptive practices as outlined above. While I continue to assume for now that this is the result of incompetence on an individual and organizational level, Capital One 's practices as a whole demonstrate systemic maliciousness. They make it impossible for their representatives to assist with any complicated matters. They have a script and talking points, and that's that. They deliberately ensure that each individual representative in each department can only help with certain things. This results in constant transfers between different departments that, by design, are unable to communicate with each other. Some departments do not allow any access at all. I would love to simply resolve this dispute through Capital One. I have tried and tried, and I have gotten nowhere. I am left with no choice but to submit a formal complaint with the CFPB to get my derogatory marks from XX/XX/XXXX removed and to, hopefully, initiate an investigation into Capital One 's business practices.","date_sent_to_company":"2023-01-25T04:06:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"6478000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-25T02:52:24.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They ultimately gave me the runaround and pushed me to <em>file</em> a dispute with their dispute department. ( One common theme with Capital One is that their MO is \" not my department '', and of course the right department is always deliberately designed to be impossible make contact with ). \n\nI asked to be transferred to the department that <em>handles</em> <em>credit</em> reporting. They, of course, would not do this. In fact, there is absolutely no way to talk to anyone involved with <em>credit</em> reporting at Capital One."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[6.1303663,"6478000"]},{"_index":"complaint-public-v1","_id":"6477989","_score":6.1303663,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I made contact with XXXX XXXX XXXX XXXX to request a payment plan due to financial hardship. The hardship was temporary, and while I could make the full payment on XX/XX/XXXX if need be, it would be helpful in terms of my other expenses if they could push the payment back one month and extend the length of the loan accordingly. \n\nWhen I spoke to the representative, I had one stated goal which I made abundantly clear : I do not want derogatory information reported to credit bureaus. A reasonable mind - one of even below-average intelligence - would understand that this means I would only be looking for payment plans that would prevent the reporting of derogatory marks to credit bureaus. If no such plan was available, a reasonable mind of even below-average intelligence would understand that the only correct answer to my request is \" I'm sorry, we can not help you at this time. '' Failing that, it is obvious to any reasonable mind that when presenting other options to me anyway, it would be critical for them to state unequivocally and in no uncertain terms that the plan they are offering me would still result in derogatory information being reported to credit bureaus. \n\nUnfortunately, my experience could best be described as \" ineffective assistance of customer service '', to paraphrase from the legal world. And like ineffective assistance of counsel, the proper remedy is to remove the derogatory remarks and address the situation again with a representative that meets the \" below average '' intelligence qualifications outlined above. Below I will provide a description of my experience, as well as my experience with XXXX XXXX more broadly, and why I had no choice but to file complaints with the CFPB and the XXXX Attorney General. \n\nOn XX/XX/XXXX, I spoke with a XXXX XXXX  representative and made my goal of the call clear : to prevent derogatory marks on my credit report. Secondarily, my goal was to push back my payments a month and extend the length of the loan accordingly. The representative ran my information through some system that makes all the decisions for him, and it said that I was not qualified to have payments pushed back one month. At this point, a reasonable mind would have said clearly that they do not have any options available to me that would meet my primary goal of preventing derogatory marks on my credit report. A reasonable mind would tell me that the only option available to me is to make the payment that day ( the due date ) in full. Unfortunately, there was no reasonable mind on the other end of the phone line. The representative offered to put me on a payment plan instead, saying nothing about the fact that my account would still be considered delinquent. \n\nThe terms of the plan would be that I would not have to make payments on XX/XX/XXXX, however, I would need to make slightly larger payments on the XXXX of XXXX, the XXXX of XXXX, and the XXXX of XXXX. At this point, I would be caught up and able to resume normal payments on XX/XX/XXXX. It is unclear to me what exactly this plan would accomplish ; I was still reported to the credit bureaus for being late because teh account was still considered delinquent. All this guy did for me was a little bit of math to spread out my payment, while still being delinquent every month until XXXX. I could've just done that myself anyway! I know how to divide my payment by XXXX and split it up. If it's still going to be considered late either way, why do I need some representative to dress up a XXXX math problem for me and call it a \" payment plan ''? Seriously- all they did was schedule XXXX payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the slightly-higher amount. I wish I was making this up. I know it's hard to believe that they called this a payment plan, but I am absolutely serious. This really happened. Given the sheer absurdity of the existence of such a payment plan, it would be reasonable for me to assume that it would result in my account not being considered delinquent. I hate to make the same point repeatedly, but I think it really needs to be emphasized how absurd it is to call someone delinquent when they are making payments according to agreed-upon terms with the lender. Beyond that, avoiding a delinquency was the entire stated goal of the conversation. Even if this absurd payment plan was all they could offer me, it would be incumbent upon them to make it clear that this plan does not satisfy my request whatsoever. If I had this information, I would've made sure that the payment was made on XX/XX/XXXX and then called around to other lenders for potential relief instead. Again, I want to XXXX- this was the entire point of my call, and I made that clear. \n\nUpon seeing the shocking negative mark on my credit report in early XXXX, I immediately made contact with XXXX XXXX again and confronted the representative with their deception. Of course, it was not the same representative. It was someone else ( and then later, their XXXX ) telling me that \" of COURSE your account would still be considered delinquent! It's past the real due date, silly! '' as if it were obvious that an account could still be considered delinquent while payments were being made according to a verbal, legally binding agreement. They ultimately gave me the runaround and pushed me to file a dispute with their dispute department. ( One common theme with XXXX XXXX is that their MO is \" not my department '', and of course the right department is always deliberately designed to be impossible make contact with ). \n\nI asked to be transferred to the department that handles credit reporting. They, of course, would not do this. In fact, there is absolutely no way to talk to anyone involved with credit reporting at XXXX XXXX. Whenever credit reporting comes up in a phone call, they all have the same rehearsed talking points about \" neither I nor any other human alive can possibly talk to you about this. The people who can, apparently, do not have phones in the year of our XXXX  XXXX. The great credit overlords are only reachable by Fax and nothing else. Please file a dispute ''. \n\nI had already filed a dispute regarding a similar matter with XXXX XXXX last XXXX. I provided documentation to support my claim, and demanded documented evidence from them that supported the negative mark on that account. They replied with a letter that simply stated \" lol no ''. I am being facetious of course ; they in fact sent a full page letter that said \" lol no '', but with XXXX words. They did not provide any documented evidence to support their claim, including those documents which I expressly demanded. They provided no email or phone number for me to contact to follow up or discuss the dispute. Ultimately, I hired a law firm to handle the issue. XXXX XXXX, knowing that they were wrong all along, relented and removed this negative mark. I shouldn't have had to spend my hard-earned money proving that I am, in fact, correct ( perhaps I would've been able to make my XXXX payment with ease had I not spent money going after XXXX  XXXX legally! But I digress... ). because of this prior experience, I did not even bother with filing an internal dispute in regard to the XX/XX/XXXX alleged delinquency. I don't need to wait 30 days for their kangaroo court to tell me \" lol no '' again. \n\nInstead, I submitted a dispute through Experian, and XXXX  XXXX ( I assume ) provided documentation that the payment was due on XX/XX/XXXX and that I hadn't made it. The derogatory mark remained. XXXX XXXX neglected to provide documentation to the credit bureau that would show that I was, in fact, in compliance with the agreed upon terms ( per the payment plan ) on the date that the derogatory mark was reported. While it's abundantly clear in hindsight that this payment plan was a total sham, there was simply no way to know in real-time that this \" plan '' was simply some call center rep pushing some buttons that I could've pushed by myself. \n\nEarly on, I alluded to my belief that this was all the result of personal incompetence, as well as overall bureaucratic incompetence. However, I harbor suspicions that XXXX XXXX 's motives for their deception and obfuscation XXXX be both deliberate and sinister. The negative mark that I was disputing back in XXXX made it nearly impossible to get an auto loan for a new car ( a car which I needed due to a total loss, and which XXXX XXXX knew that I needed because the total loss was on a XXXX XXXX  Auto account ). Surprisingly, despite my abysmal credit score, I was approved for relatively good financing terms ... from XXXX XXXX. And only XXXX XXXX. The sales reps were surprised I could get financing at all with my credit score, let alone for a new car at the rate that I did. It was after this that I hired XXXX XXXX to barrage them in order to get the mark removed. While it's possible XXXX XXXX was simply better at this than I am, the timing of that removal ( ie- immediately after my new car purchase ) raises a lot of questions. Did XXXX XXXX deliberately sabotage my credit score with information that they knew to be false in order to ensure I financed my new vehicle with them? I don't know the answer to that. Perhaps the Consumer Financial Protection Bureau will be able to find out. Until then, I will assume incompetence rather than malice. \n\nAll of this brings me to the letter I am writing today. XXXX XXXX routinely engages in deceptive practices as outlined above. While I continue to assume for now that this is the result of incompetence on an individual and organizational level, XXXX XXXX 's practices as a whole demonstrate systemic maliciousness. They make it impossible for their representatives to assist with any complicated matters. They have a script and talking points, and that's that. They deliberately ensure that each individual representative in each department can only help with certain things. This results in constant transfers between different departments that, by design, are unable to communicate with each other. Some departments do not allow any access at all. I would love to simply resolve this dispute through XXXX XXXX. I have tried and tried, and I have gotten nowhere. I am left with no choice but to submit a formal complaint with the CFPB to get my derogatory marks from XX/XX/XXXX removed and to, hopefully, initiate an investigation into XXXX XXXX 's business practices.","date_sent_to_company":"2023-01-25T04:06:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"6477989","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-25T04:06:44.000Z","state":"VA","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":["They ultimately gave me the runaround and pushed me to <em>file</em> a dispute with their dispute department. ( One common theme with XXXX XXXX is that their MO is \" not my department '', and of course the right department is always deliberately designed to be impossible make contact with ). \n\nI asked to be transferred to the department that <em>handles</em> <em>credit</em> reporting. They, of course, would not do this. In fact, there is absolutely no way to talk to anyone involved with <em>credit</em> reporting at XXXX XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[6.1303663,"6477989"]},{"_index":"complaint-public-v1","_id":"9529467","_score":6.026879,"_source":{"product":"Mortgage","complaint_what_happened":"Legal Note : Victim v. Select Portfolio Servicing , Inc . \nSubject : Negligence in Loan Modification Process, Misrepresentation, and Credit Damage Background : During the XXXX pandemic, Victim relied on the United States Federal Government 's assurance that mortgage payments could be deferred and addressed after the pandemic. XXXX XXXX Victim 's tenant ceased paying rent during this period, prompting her to utilize the grace period offered by the federal government. The mortgage for her property at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX, was initially held by XXXX XXXX, with the loan originating from XXXX XXXX and serviced by XXXX XXXX, a loan brokerage company. \nThe government promised that deferred mortgage payments would either be reintegrated into the loan at a higher monthly rate or appended to the end of the loan term. Despite XXXX XXXX Victim complying with all required procedures, XXXX XXXX failed to honor this promise. In the fall of XXXX, XXXX XXXX Victim was informed that her loan was sold to Select Portfolio Servicing, XXXX ( SPS ). Since XX/XX/XXXX, her mortgage has been serviced by SPS, which has not acted in good faith to facilitate a loan modification. \nClaims of Negligence and Misrepresentation : Failure to Engage and Process Loan Modification : SPS has been negligent in its duty to engage with XXXX XXXX Victim, who has requested a loan modification for the amount of {$12000.00} since XX/XX/XXXX. SPS has failed to process this request, exacerbating the financial burden on XXXX XXXX Victim. \nNon-application of Payments : SPS has not applied any payments towards the increasing delinquency, resulting in a perpetual and compounding financial strain. \nFalse Statements : SPS has lied multiple times regarding the reasons for not processing the loan modification, including false claims that XXXX XXXX Victim did not sign the necessary documents correctly. These statements are untrue and constitute deliberate misrepresentation. \nImpact on Credit and Additional Hardships : The negligence of SPS has severely impacted XXXX XXXX Victim 's XXXX XXXX. She is currently facing a family emergency and is unable to obtain a Home Equity Line of Credit ( HELOC ) from her primary residence due to SPS 's refusal to complete the loan modification. Her credit has deteriorated significantly as a result of SPS 's actions. \nXXXX XXXX : Elimination of Delinquent Payments : XXXX XXXX Victim requests that the court enforce a judgment to eliminate all delinquent mortgage payments as of the court appearance date. \nFixed Monthly Payment : She seeks a court order ensuring that the current mortgage payment of {$570.00} per month, as indicated on SPS 's web portal, remains fixed until the mortgage is fully paid off in accordance with Maryland state law. \nCredit Restoration : XXXX XXXX Victim also asks for the removal of all adverse actions taken by SPS that have damaged her XXXX XXXX and for her XXXX XXXX to be restored to its previous state. \nConclusion : Due to the negligence, misrepresentation, and detrimental impact on XXXX XXXX Victim 's credit by SPS, she is entitled to judicial relief. The court 's intervention is essential to protect her rights, address the financial damages incurred, and hold SPS accountable for their failures in managing the loan modification process. \nAddendum to Complaint : Victim v. Select Portfolio Servicing, XXXX et al. \nSubject : Addition of Defendants, Request for Damages for Pain and Suffering, and Allegations of Illegality and Abuse Background : Additional defendants have been included in the existing complaint against Select Portfolio Servicing XXXX XXXX ( \" SPS '' ) due to their alleged complicity in the wrongful actions perpetrated against the plaintiff, Victim. These actions have caused significant distress and financial harm to the plaintiff. \nDefendants Added : XXXX XXXX : President and CEO of Select Portfolio Servicing , Inc . \nXXXX XXXX : XXXX and XXXX XXXX of XXXX XXXX. \nThese individuals, by virtue of their positions, are responsible for the operational environment at SPS and XXXX XXXX, which allegedly fostered practices of deception and customer mistreatment, contributing to the grievances detailed herein. \nClaims of Aggravated Actions and Illegality : Unlawful Fund Transfer : On or around XX/XX/XXXX, XXXX XXXX Victim discovered irregularities in the management of her mortgage payments post-receipt of her lawsuit by SPS. Funds designated for her property at XXXX XXXX XXXX were inappropriately redirected to XXXX XXXX XXXX XXXX without her consent, which contravenes lawful procedures and ethical standards. \nCoercive Communication and Default Threats : On XX/XX/XXXX, XXXX XXXX Victim received XXXX default threats and a coercive communication demanding payment by XX/XX/XXXX. These actions reflect a pattern of abusive practices and unwarranted pressure on the plaintiff. \nXXXX XXXX Demands : Despite the substantial financial burden, XXXX XXXX Victim complied with SPS 's demands. On XX/XX/XXXX, she was informed by an SPS agent that she owed {$2900.00} to bring the account for XXXX XXXX XXXX current and {$9900.00} for XXXX XXXX XXXX XXXX, both of which she paid as documented in the attached bank statements. However, it was later revealed that these funds were not properly recorded in SPS 's system. \nUnauthorized Loan Modification : Contrary to the plaintiff 's intentions, an SPS agent automatically initiated a loan modification for XXXX XXXX XXXX. This action was taken without XXXX XXXX Victim 's request, and SPS falsely claimed that she requested the withdrawal of this modification. \nLack of Transparency : The SPS online portal fails to reflect the payments made by XXXX XXXX Victim, further evidencing SPS 's deliberate negligence and mishandling of her accounts. \nDamages and Request for Compensation : In light of the severe distress and financial damage caused by SPS 's actions, and the complicity of XXXX XXXX and XXXX XXXX, XXXX XXXX Victim seeks an additional {$10000.00} in damages for pain and suffering. The ongoing mismanagement, unlawful fund transfer, coercive demands, and false claims by SPS have exacerbated her financial strain, deteriorated her credit, and hindered her ability to address a pressing family emergency. \nComplaint Filed : A formal complaint has been filed with the Better Business Bureau against SPS for their abusive practices and failure to address XXXX XXXX Victim 's legitimate concerns. \nConclusion : The deliberate negligence and harmful actions of SPS, supported by XXXX XXXX, have violated the principles of reconciliation and current mortgage law. The plaintiff, XXXX XXXX Victim, has endured significant emotional and financial suffering, justifying the request for {$10000.00} in compensatory damages for the ongoing harm experienced. \nXXXX XXXX : The court should enforce the elimination of all delinquent mortgage payments as of the court appearance date. \nThe court should ensure the fixed monthly mortgage payment of {$570.00} for XXXX XXXX XXXX XXXX until the mortgage is fully paid off per Maryland law. \nThe court should order the removal of all adverse credit actions by SPS and restore XXXX XXXX Victim 's XXXX XXXX. \nAn additional {$10000.00} in damages for pain and suffering is requested. \n\n\n\n\n\n\n\nReview of Select Portfolio Servicing , Inc . \nMy experience with Select Portfolio Servicing, XXXX ( SPS ) over the last XXXX months has been profoundly negative. SPS has persistently refused to process my loan modification request despite having all the required documentation since the beginning of the year. Their handling of my case has been marred by a lack of transparency and repeated misrepresentation. \nThroughout this period, I have received XXXX letters from SPS falsely claiming that I had failed to submit the necessary information for my loan modification. These claims are completely baseless ; all requested documents were provided promptly. This pattern of sending misleading communications appears to be a deliberate effort to avoid addressing my modification request. \nMoreover, XXXX management of my mortgage payments has been highly problematic. Payments that I have made have not been correctly applied, leading to an unjust increase in my delinquency. This mishandling of funds exacerbates the financial pressure and creates a misleading representation of my payment status. \nThe customer service provided by SPS has been equally troubling. Instead of offering assistance, their communications have been hostile and coercive, demanding immediate payments under threat of default. This abrasive approach only adds to the stress and frustration of dealing with them. \nXXXX refusal to modify the loan and their consistent dissemination of false information reflect a deep-seated issue with their service quality and ethical standards. This experience has severely impacted my financial situation and XXXX XXXX, causing significant personal distress. I strongly advise caution to anyone considering engaging with SPS due to their negligent practices and the unnecessary hardship they have caused. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Addendum to Complaint : Victim v. Select Portfolio Servicing, XXXX et al. \nSubject : Additional Defendant, Allegations of Systemic Misconduct, Threatening Communications, and Request for Damages Introduction : This addendum addresses the ongoing misconduct by Select Portfolio Servicing XXXX XXXX ( \" SPS '' ) and the addition of XXXX XXXX, XXXX and XXXX of SPS, as a defendant. It details the systemic issues and deceptive practices at SPS, supported by recent customer reviews and complaints. Additionally, it outlines the threatening communications received by Victim and requests further damages for pain and suffering. \nSystemic Misconduct and Customer Feedback : SPS continues to inflict pain and suffering on the plaintiff, Victim. The company has demonstrated a pattern of dishonesty and incompetence in its customer interactions, as corroborated by its dismal average rating of XXXX out of XXXX stars based on XXXX customer reviews on the Better Business Bureau ( \" BBB '' ) website. Over the past XXXX years, SPS has had XXXX complaints closed, with XXXX complaints closed in the last 12 months alone. This significant number of complaints underscores the widespread dissatisfaction with SPS 's service, indicating an environment of incompetence and a lack of genuine customer care. \nAddition of Defendant : Given his leadership role and responsibility for the operational practices at SPS, XXXX XXXX, XXXX and XXXX of SPS, is hereby added as a defendant in this lawsuit. His inclusion reflects his accountability for the pervasive issues within the organization that have adversely impacted the plaintiff and numerous other customers. \nThreatening Communications : The plaintiff received a threatening letter from SPS 's registered agent, XXXX XXXX XXXX XXXX XXXX the removal of SPS from XXXX case under the threat of imposing legal fees on the plaintiff. This coercive tactic further demonstrates SPS 's willingness to intimidate and exert undue pressure on the plaintiff. Therefore, the plaintiff petitions the court to mandate that all legal fees imposed by XXXX XXXX XXXX XXXX XXXX by SPS, XXXX to their collusion in fostering an unfair and broken system that harms customers. \nXXXX XXXX XXXX XXXX XXXX : SPS sent a letter falsely claiming that the plaintiff requested the transfer of funds from the mortgage account for XXXX XXXX XXXX to cover alleged late payments on XXXX XXXX XXXX XXXX. There is no evidence to support this claim, and the plaintiff did not make such a request. All phone transcripts are recorded and will demonstrate that SPS fabricated this claim. Subsequently, SPS issued a default threat for XXXX XXXX XXXX, alleging non-payment, which further illustrates SPS 's manufactured default in violation of their procedures. \nRefusal to Correct Credit Report Errors : Despite repeated requests, SPS has refused to correct errors on the plaintiffs credit report, causing continued harm and impeding her ability to manage a family emergency. The ongoing refusal to rectify these inaccuracies further exacerbates the plaintiffs distress and financial challenges. \nRequest for Additional Damages : In light of the continued harm, abusive practices, and refusal to address legitimate concerns, the plaintiff seeks an additional {$10000.00} in damages for pain and suffering. \nAdditional Measures : The plaintiff intends to contact XXXX XXXX, Chairman of the XXXX XXXX XXXX, to request oversight and intervention concerning SPS 's practices. The House XXXX XXXX XXXX has jurisdiction over economic and banking system issues, housing, and consumer protection. Bringing the XXXX of SPS before the XXXX XXXX be necessary to ensure accountability and initiate systemic reform. Additionally, consideration is being given to initiating a class action lawsuit to address the ongoing harm inflicted on XXXX customers and to effectuate permanent change. \nConclusion : The addition of XXXX XXXX as a defendant, the documentation of systemic issues, and the request for further damages are essential to address the significant and ongoing harm caused by SPS. The plaintiff seeks judicial relief to rectify these issues and hold SPS accountable for their actions. \n\n\nAddendum to Complaint : Victim v. Select Portfolio Servicing, XXXX et al. \nSubject : Allegations of Systemic Misconduct and Request for Additional Damages XXXX. Overview of Deceptive Practices and Retaliation : Select Portfolio Servicing, XXXX ( \" SPS '' ) has exhibited a consistent pattern of deceptive and uncaring activities towards the plaintiff, Victim. Despite fulfilling all requirements for a loan modification in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, SPS has refused to XXXX the modification. The agents handling the plaintiff 's case were inadequately trained and uninformed about the status and procedures necessary for processing the loan modification. \nXXXX. Retaliatory and Deceptive Correspondence : SPS engaged in retaliatory actions by sending the plaintiff XXXX letters falsely asserting that she had not submitted all necessary materials for the loan modification concerning the property located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. Despite the plaintiff making full payments and maintaining her account status up to date, SPS falsely claimed that she had missed payments for XXXX and XX/XX/XXXX. Bank XXXX XXXX statements provided by the plaintiff contradict these claims. Furthermore, SPS issued misleading notifications alleging delinquency, despite phone transcripts confirming the plaintiffs account was current. \nXXXX. Systemic Misconduct : The conduct of SPS towards the plaintiff demonstrates a pattern of misleading, illusory, ambiguous, deceptive, deceitful, fraudulent, and callous behavior. Such actions are indicative of systemic misconduct within SPS, reflecting a broader issue of incompetence and malice. \nXXXX. Impact on Credit and Request for Damages : SPSs actions have caused significant harm to the plaintiffs credit. SPS has refused to engage in standard arbitration procedures to resolve these issues and has instead acted in a manner that can be construed as retaliatory towards the plaintiff. As a result, the plaintiff requests additional restitution of {$8000.00} for the continued injustice suffered. The total amount of restitution sought by the plaintiff is {$30000.00}. \nXXXX. Warning of Further Legal Action : Should this matter not be resolved amicably, which is the plaintiff 's preference, Victim intends to escalate the case from XXXX XXXX XXXX XXXX XXXX. The plaintiff seeks justice and equitable relief from the court to address the ongoing and deliberate harm inflicted by SPS. \n\nConclusion : The court must not condone such behavior from SPS and should take into account the malicious and uncaring nature of their actions towards the plaintiff. The plaintiff, Victim, respectfully requests that the court XXXX the additional restitution sought and ensure that SPS is held accountable for their continued deceptive practices and retaliation.","date_sent_to_company":"2024-07-16T19:34:38.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"9529467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2024-07-16T18:52:02.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["The ongoing mismanagement, unlawful fund transfer, coercive demands, and false claims by SPS have exacerbated her financial strain, deteriorated her <em>credit</em>, and hindered her ability to address a pressing family emergency. \nComplaint <em>Filed</em> : A formal complaint has been <em>filed</em> with the Better Business Bureau against SPS for their abusive practices and failure to address XXXX XXXX Victim 's legitimate concerns."]},"sort":[6.026879,"9529467"]},{"_index":"complaint-public-v1","_id":"11111212","_score":5.490385,"_source":{"product":"Debt collection","complaint_what_happened":"Here in this complaint, I am outlining a notation that there has been a repeated consistent offense against my peace of mind and previously what was my credit report by the following creditor and debt collectors with malicious intent and retaliation for my recent dispute and an identity theft case which is relation to a previous CFPB complaint which may you see attached what was reference to the credit bureaus, which was one of the following creditors that I had made a complaint about And no identification to my credit where my identity has been taken, and I followed the civil steps to report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the variations of their names as mentioned in reports. \n\nIn XX/XX/XXXX, I had made an initial report on my credit report where my identity had been stolen of which I had followed the proper channels and filed with the FTC a police report as well as the supplement letters to the credit bureaus and the affiliated formations of information to do an investigation on all of the identity taken in relation to that report. Roughly XX/XX/XXXX of XXXX I was contacted by XXXX over the investigation results of which it was assumed they were consulted by one of the credit bureaus I would like to notate at this point prior to going further into the explanation that there was at no point any written, verbal or electronic communications with XXXX bank prior to these notions I have mentioned from them and at any point that can be remembered. needless to say, I received an email from them directly about the investigation of which is attached to this complaint. They have stated that they had disregarded this investigation in the sense of stating that the debt was validated and that the collection efforts will continue. With this being in mind, this original creditor of whom I did not recognize came at me directly with this notification in the past I had actually filed another CFPB complaint in regards to the same creditor ironically, the same creditor had also sold the debt to one XXXX XXXX  of whom also reported on my credit report frivolously and falsely stating that I owed them for a collection and for an account I did not recognize which also just so happen to be around the same time frame Ive filed my previous credit report identity theft cycle from XXXX, which was still relative to all the information neither this creditor nor the debt collector XXXX XXXX notified me of any investigation between XXXX and up to this point about an investigation relative to this debt or the validity of this debt at any point and have remained and continue to maliciously report this debt on my credit report all of XXXX and XXXX. I would also like to notate from my previous CFPB complaint from XXXX that my previous identity theft report did not have a resolution for I was still dealing with the damages that accolade with my identity being stolen from the last time. Upon further findings, it was brought to my attention that not only they were maliciously reporting this debt on my credit report with all three bureaus after previous correspondence via the letters with the credit viewers directly as well as themselves that they had sold the debt three different times to three different creditors. Additionally, they had changed the name of the debt and accompaniment to the debt itself, as well as the amount associated with this account. If you can, please look over the documentation you will see that there was a Synovus bank associated with this account Ending in XXXX or the numbers that Accolate to it with the attachments upon the findings of which I have also attached to the claim that I am sending to you directly, it was showed that Synovus was bought by XXXX XXXX, roughly about XXXX of which I was never notified, though the debt was an acclamation of identity theft, with any information pertaining to myself, I still wouldve received some kind of disclosure which was never provided Verbally through mail electronically or verbally. Needless to say they had continued malicious collection practices, changing, apparently the original amount of {$120.00} to {$160.00} $ to my knowledge they rename the debt and re-acclimated fees making it look like a completely different collection. The reason why I know this is because XXXX as you can see in the attachments for the duration of their collection practices and efforts was the original creditor of such an account of whom at no point yet again After reviewing my credit reports, was there ever any direct line of credit taken out with XXXX  envy directly, and at this point it would like to be noted that XXXX is not a creditor at all. They are a debt collector for that very reason this was a form of fraud as well. By XXXX also sending these correspondences during this entire process, they also participated proactively in aggressive collection efforts after specifically being informed that there was not the time nor the place in the past to collect on a debt which ironically was not mine, but I had still informed them that it was not a convenient time due to my identity being taken around the same time frame. I was also displaced and had nowhere to go there by being XXXX, which affected my XXXX XXXX  during XXXX into XXXX despite my efforts to communicate with with the creditor, and yet the debt collectors of whom I had never agreed to any conversation or any communication or gotten into any kind of contractual obligation at any point between the opening of this account in there further, which was not of my knowledge, I still contacted them and asked them to cease and desist all communications with myself because of the inconvenience of time where I was not met with any understanding, but much more aggression as far as communications being pinged to my email address yet there was never any written notices of the validity of debt, and there was no compromise with any of these entities involved in an association with this debt. This debt had been re-sold three different times in an attempt to collect the debt for different amounts that had absolutely nothing to do with the original collection of the debt and additionally, it was already disputed as being an invalid debt as a byproduct of identity theft from a previous dispute, however, these collection efforts here recently in the month of XXXX and XXXX got aggressive, and started happening daily in an effort to deter and gaslight me into paying this fee on the debt which is not mine I have attached different sub laws from FCRA and FDCPA in relation to these violations that they have committed maliciously frivolously and with malintent. \n\n\n\n606. ( a ) ( b ) Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ). \nXXXXisclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.\n\n( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this section.\n\nCompliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person Summary of Rights of Identity Theft Victims ( 1 ) See also 12 CFR Part 1022, XXXX XXXX XXXX general. XXXX  XXXX, in consultation with the Federal banking agencies and the XXXX XXXX XXXX XXXX, shall prepare a model summary of the rights of consumers under this title with respect to the procedures for remedying the effects of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor. \n( XXXX ) Summary of rights and contact information. Beginning 60 days after the date on which the model summary of rights is prescribed in final form by the Bureau pursuant to paragraph ( 1 ), if any consumer contacts a consumer reporting agency and expresses a belief that the consumer is a victim of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor, the consumer reporting agency shall, in addition to any other action that the agency may take, provide the consumer with a summary of rights that contains all of the information required by the Bureau under paragraph ( 1 ), and information on how to contact the Bureau to obtain more detailed information.\n\n( e ) Information Available to Victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity A ) the victim ; 49 609 - 15 U.S.C. 1681g ( 2 ) ( 3 ) ( B ) ( C ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or Any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.\n\nVerification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity ( A ) as proof of positive identification of the victim, at the election of the business entity ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed ( I ) copy of a standardized affidavit of identity theft developed and made available by the Bureau ; or ( II ) an affidavit of fact that is acceptable to the business entity for that purpose.\n\nProcedures. The request of a victim under paragraph ( 1 ) shall ( A ) be in writing ; ( B ) ( C ) be mailed to an address specified by the business entity, if any ; and if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including 50 609 - 15 U.S.C. 1681g ( i ) ( ii ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number.\n\n2 ) Form. A consumer may specify pursuant to paragraph ( 1 ) that disclosures under section 609 [ 1681g ] shall be made 57 610 - 15 U.S.C. 1681h ( c ) ( d ) ( e ) ( A ) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice ; ( B ) by telephone, if the consumer has made a written request for disclosure by telephone ; ( C ) by electronic means, if available from the agency ; or ( D ) by any other reasonable means that is available from the agency.\n\n2 ) Criteria ( A ) ( 3 ) ( 4 ) In general. In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.\n\n( B ) Inactive accounts. In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.\n\nConsistency with verification requirements. Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31, United States Code.\n\nDefinitions. As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 702 of the Equal Credit Opportunity Act ( 15 U.S.C. 1691a ), that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 623, in connection with a credit transaction ; or 75 615 - 15 U.S.C. 1681m ( f ) ( g ) ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 702, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.\n\nProhibition on Sale or Transfer of Debt Caused by Identity Theft ( 1 ) In general. No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.\n\n( 2 ) Applicability. The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).\n\n( 3 ) Rule of construction. Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.\n\nDebt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.\n\nIn reference to FDCPA practices to outline my claim would be following subsections of the act in relation to the creditor and the debt collection agencies involved with these practices that I am disputing today. \n\nAct 1692-1692p Ss 808, Unfair Practices a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\nb ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 805. Communication in connection with debt collection ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.\n\n( b ) Communication with third partiesExcept as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.\n\n( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.\n\nIf such notice from the consumer is made by mail, notification shall be complete upon receipt.\n\n( d ) Consumer definedFor the purpose of this section, the term \" consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.\n\n15 USC 1692d 812. 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\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.\n\n15 USC 1692k Prior to my close out of this entire explanation, as well as the subset of the laws that are reference here to justify my position as a consumer of the miss handling and violations of these entities, I would also like to notate that at no point in any of these entities, both the creditor and the debt collectors informed me of the resale of the debt communication of the debt being sold my rights as a consumer as well as other provisions that support this claim. I have been completely compliant and did everything to the best of my ability and everything that has been done up to this point in an effort to collect this debt. I am claiming under the documentation that I have provided that this was all done, maliciously and out of careful consideration for me as a consumer and in violation of the FCRA and FDCPA laws and provisions that protect me as a consumer by all of these entities As for the notation of communication at no point was there ever any written, verbal, electronic, or other means of communication to also convey that there was no melanin that occurred to me as a consumer which inherently became very taxing to my mental state and affected my stability in the sense where I had been encountering different setbacks with my credit without any careful consideration of my situation by these parties involved. Additionally, any other investigations that they may have conducted whether it was of my knowledge or not there was no validity, provided upon any of the previous investigations in relation to this where the debt was ever validated.\n\nThe following documents correspondences in the like is all furnished evidence supporting documents in the like to support my claim and anything relative to the ladder.","date_sent_to_company":"2024-12-12T01:07:33.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Other debt","zip_code":"82001","tags":null,"has_narrative":true,"complaint_id":"11111212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-12-12T00:39:26.000Z","state":"WY","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I had made an initial report on my <em>credit</em> report where my identity had been stolen of which I had followed the proper channels and <em>filed</em> with the FTC a police report as well as the supplement letters to the <em>credit</em> bureaus and the affiliated formations of information to do an investigation on all of the identity taken in relation to that report."]},"sort":[5.490385,"11111212"]},{"_index":"complaint-public-v1","_id":"2465753","_score":5.2124987,"_source":{"product":"Mortgage","complaint_what_happened":"Please accept this formal complaint on behalf of my client ( Client or Borrower ) regarding the malicious intent and willful misconduct exhibite d by Chase ( Chase or t he Bank ) during my Clients application for a mortgage loan and for the duration of the closing process for her refinance mortgage loan with the Bank. We have overwhelming support that clearly demonstrates repeated regulatory violation s by Chase during this transaction and, of which, are the basis for this complaint. The premise of the compla int lies in the damages faced by my Client as a result of delay tactics and other egregious behavior used by  Chase to p ersuade borrowers, including, but not limited to, my Client to walk away from loans when the Bank finds itself unwilling to honor rates that it had committed to.     At the onset, we would like to emphasize that there is no justifiable basis for  Chase to deny the loan to this Borrower who has timely complied with each and every request made by Chase, has the income and assets to support the debt service and has impeccable credit. Moreover, since Chase never intended to honor the terms originally committed to by them, they have intentionally failed to process the loan in c ompliance with Banking Regulations, including, but not limited to Regulation B and have also proceeded to k nowingly commit numerous TRID violations. This is a tactic which many of the loan officers that I work closely with ( and state that they have other borrowers with similar situations ) have advised me that Chase uses in order to frustrate their borrowers and force them to look elsewhere for a loan when they do  not want to proceed with under originally committed terms. The following is a timeline of the significant events that transpired with regards to the loan to my Client ( note that we followed up each and every week and any gap in such timeline does not indicate a failure to follow up on behalf of the  Borrower, but  a failure from the Bank to provide any information regarding the status of the loan ) :  XXXX   XXXX ,  XXXX  my  Client beg an the process of applying to refinance her new home wi th Chase .      Between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX , several emails went back and forth with the loan officer,  XXXX   XXXX , and a list of required documents was provided. The loan officer,  XXXX   XXXX  and  Borrower be gan to gather all information required.      XXXX   XXXX ,  XXXX  all of the required information was sent to the loan  officer. Included with the correspondence that attached such required information was an explanation that the Borrower would be applying for a refinance to pay off an existing private loan on the property and pay down a line of credit on another property ( which li  ne of credit funds were used to improve the property being given as collateral to the Bank ).       XXXX   XXXX ,  XXXX  an email was sent requesting the status of same.      XXXX   XXXX ,  XXXX  another email was sent requesting the status and the loa n officer  stated that disclosures had been sent out although they had not been received. Disclosures were finally received, but there were several mistakes noted on the documents.      XXXX   XXXX ,  XXXX  - Borrower received   a conditional approval with an interest rate of 3.875 % ( the correct interest rate ) and points of 0.250 % ( which the loan officer promised would be waived ). NOTE THAT A LOAN ESTIMATE WAS NEVER PROVIDED AS REQUIRED UNDER TRID WITHIN 3 DAYS FROM LOAN APPLICATION.       XXXX   XXXX ,  XXXX  and f or nine ( 9 ) consec utive days thereafter- emails were sent to the loan  officer requesti ng the status of the corrected lock in rate agreement and status of the loan.      XXXX   XXXX ,  XXXX  lock in rate agreement was received but same reflected higher points than what was on the conditional approval and initial documentation. The loan  officer assured the Client that those points would all be waived. AGAIN, AT THIS TIME, A LOAN ESTIMATE WAS NOT PROVIDED. Moreover, Borrower submitted additional documentation requested, including a letter of explanation stating what th e loan proceeds would be used for ( although there were several emails dated as early as  XXXX   XXXX  or before which included such information ).      XXXX   XXXX ,  XXXX   XXXX   XXXX   contacted Borrower for  a good faith payment which was essentially the cost of the appraisal wh ich Borrower paid by cre dit card over the phone.      XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  Several emails were sent to the Bank during  such time ( note that at a minimum 1-2 emails are sent and 1-2 phone calls are made weekly to the Bank requesting the status of this lo an ). On  XXXX   XXXX ,  XXXX , the appraisal of the house was conducted.      XXXX   XXXX ,  XXXX  our law firm received a title request and the title commitment, preliminary CD, chain of title and prior survey were provided. Note that at such time, a tentative closing date had been set but n o Lenders Estimate had yet been issued to the Borrower.       XXXX   XXXX ,  XXXX  after many emails and phone calls, we received a  copy of the appraisal which indicated that the appraised value of the home was {$640000.00} ( higher than Client initially anticipated ). We immediately sent an email to the loan officer inquiring as to whether it would be possible to increase the loan amount from {$500000.00} to {$520000.00} based on the appraisal and the loan officer ,  XXXX   XXXX  responded with an email dated  XXXX   XXXX ,  XXXX , statin g Done. Loan amount increased to {$520000.00}. Again, no Lenders Estimate was issued at this time . After such date, the loan process stopped.     This firm and  the Borrower called 3-4 times a week and sent emails 3-4 times  a week requesting an explanation for such stall. During this time we also began copying  XXXX   XXXX ,  XXXX   XXXX   manager on t he correspondences and calling  XXXX   XXXX  but  XXXX   XXXX  never responded to any emails or telephone calls. The only information we were given at the time was that there was a technical issue and that the loan  officer would get back to us. Weeks passed, the Borrower and this firm  continued to call  XXXX   XXXX , the person who sent the initial title request and  XXXX   XXXX  to no avail. Client and I even reached out  to the manager of t he branch where  XXXX   XXXX  works and could not resolve the issue. The only correspondence or answers that we would receive stated that there was a technical issue and that  XXXX   XXXX  would not be responsible for the costs of extending the rate lock.      XXXX   XXXX ,  XXXX  Borrower contacted  XXXX   XXXX   XXXX  VP- Sr Lending  manager for South Florida .       XXXX   XXXX ,  XXXX  the technical issue was suddenly resolved.  XXXX   XXXX  was assigned to th e Borrower and the loan proceeded to move again. The Borrower  was required to resubmit all supporting documentation to the loan since all previously submitted documents were now stale.     Between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  additional loan documentation and repeat loan documentation was provide d by Borrower . Durin g such time,  XXXX   XXXX  requested that  XXXX   XXXX  sign the application and we sent an email to  XXXX   XXXX  indicating that all of the information on the application was incorrect ( including the loan officers own name ). During this time,  XXXX   XXXX  began stating that they were waiting for underwriting to make a decision on t he loan ( Regulation B  violation ). We kept inquiring as to what this meant  since Borrower had  been conditionally approved since  XXXX . Several times during this process, we would send correspondence with complaints as to how this was being handled and no such complaints were ever addressed ( another regulatory violation ).      XXXX   XXXX ,  XXXX   Borrower received a c all from  XXXX   XXXX   to discus s how the loan proceeds were to be used. In such conversatio n, Borrower was told that the loan amount would be in the mid $ 300,000s ( below the jumbo loan limit and about {$200000.00} less than the original and revised loan amounts ). Again, all do cuments still included the original loan amount of {$500000.00} and we had correspondence from  XXXX   XXXX  stating  Done.  Loan amount increased to {$520000.00}. Never had a reduction in the loan amount been discussed. After such conversation, this firm sent a correspondence to  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX  setting forth the violations above and below. Such correspondence included reference to the use of the proceeds  ( to pay o ff the private lender and pay down the line of credit ). No action was taken, as with any previous complaints ( regulatory violation ).      XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   called Borrower to state  that they were unaware of the private lender and that same would change the terms of the loan ( please note above that there were emails dated as far back as  XXXX   XXXX ,  XXXX  explaining how the proceeds would be used, there was a letter of explanation that was part of the loan file which stated that the proceeds were to be used to pay the private lender and the title commitment provided in  XXXX   ( and co rrespondence accompanying same ) shows the mortgage   to be satisfied by the private lender ). This was further evidence that Chase had not even reviewed the loan documentation provided and had no intention of honoring the loan terms and closing on the loan per the originally committed terms. Please further note that to date, a Lenders Estimate has never been provided.\nThis Lenders behavior amounts to malicious intent and willfu  l misconduct. Chases blatant disregard for banking regulations is inexcusable. My Client has suffered extensive damages due to this Banks delays and deceit including, but not limited to, paying higher interest rates on the private loan encumbering her primary home, default rates and penalties on the payoff of the private loan  ( due solely  to this delay and the fact that the loan has matured, not due to any defaults within the control of the Borrower ), extensive legal fees and costs, repeat costs of updating title and lien searches for closing, a substantial increase in rates which she would have to bear if she can not close on this loan ( which amounts to sums in excess of {$75000.00} over the life of the loan ), etc.. The foregoing does not even include the costs and expenses incurred b  y Borrower should the private lender foreclose on the property ( which has more than {$350000.00} in equity and is Borrowers homestead ) due to Chases inexcusable delay tactics.\nAll of the foregoing demonstrate that Chase never had any intention of closing the loan on the original committed terms. When Chase believed they may be forced to close the loan or in a further attempt to have the Borrower walk away, they decided to reduce the loan amount to an amount under a jumbo loan in an effort to curtail the exposure of having to honor a 3.875 % interest rate for a jumbo loan amount of 80 % LTV or in a further effort to have the Borrower walk away. We have correspondence which support all allegations contained herein although we have attached only a few. Please advise if you require same or any additional information. The conduct exhibited by Chase during this transaction is, without question, reprehensible. We kindly ask that as the Bureau   charged with protecting consumers financial interests and protecting consumers against unfair, deceptive and abusive practices, you investigate the foregoing, assist us in obtaining a favorable and just resolution for my client, and rem ind Chase th at this behavior, unbecoming of a leading global financial institution, can not be tolerated on this loan or with any other future dealings with consumers.","date_sent_to_company":"2017-04-25T15:15:07.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"33173","tags":null,"has_narrative":true,"complaint_id":"2465753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-04-25T14:16:19.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This Lenders behavior amounts to <em>malicious</em> intent and willfu  l misconduct. Chases blatant disregard for banking regulations is inexcusable."]},"sort":[5.2124987,"2465753"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":33,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":33}]}},"product":{"doc_count":33,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Debt collection","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":5},{"key":"Other debt","doc_count":2},{"key":"I do not know","doc_count":1},{"key":"Medical debt","doc_count":1}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":33,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":7}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":5}]}},{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":2},{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Unable to get your credit report or credit score","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1},{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}}]}},"timely":{"doc_count":33,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":33}]}},"company_response":{"doc_count":33,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":24},{"key":"Closed with non-monetary relief","doc_count":8},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":33,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":33}]}},"company":{"doc_count":33,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"BQ & Associates, P.C., L.L.O.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":33,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":11},{"key":"GA","doc_count":5},{"key":"CA","doc_count":4},{"key":"VA","doc_count":3},{"key":"NE","doc_count":2},{"key":"NJ","doc_count":2},{"key":"TX","doc_count":2},{"key":"AZ","doc_count":1},{"key":"MD","doc_count":1},{"key":"NC","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":33,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":13},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":33,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":5},{"key":"Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[5.2124987,"2465753"]}}}