{"took":256,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":51,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15220681","_score":25.54245,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER COMPLAINT AGAINST MIDLAND CREDIT MANAGEMENT , INC . \nCompany Name : Midland Credit Management , Inc . \nCompany Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Alleged Debt Amount : [ Your amount ] Account Reference : [ Your account number if you have it ] SUMMARY OF VIOLATIONS I am filing this complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and California state law during their collection efforts on an alleged debt. \n\nDETAILED VIOLATION DESCRIPTION 1. FALSE REPRESENTATIONS ABOUT DEBT OWNERSHIP ( 15 U.S.C. 1692e ) During a recorded collection call, Midland 's representatives made contradictory statements about the original creditor 's involvement : First Statement : Repeatedly claimed \" we have to show XXXX  XXXX that progress is being made on this debt '' ( said multiple times to create urgency ) Later Statement : Admitted \" XXXX XXXX has no stake in this account '' and \" XXXX XXXX took the loss when they sold it to us '' These mutually exclusive statements in the same call constitute fraudulent misrepresentation designed to pressure payment through false claims about XXXX XXXX 's ongoing oversight. \n\n2. FALSE CLAIMS ABOUT LEGAL PROCEDURES ( 15 U.S.C. 1692e ) Midland falsely claimed that payment plans would be \" out of their hands '' if they filed a lawsuit. This is factually incorrect - debt collectors routinely negotiate payment arrangements and settlements after filing lawsuits. This false statement was used to create artificial urgency and pressure immediate agreement. \n\n3. FRAUDULENT INDUCEMENT Any electronic signature or payment agreement obtained during this call was procured through the false representations about XXXX XXXX 's involvement. The combination of fraudulent statements and my impaired capacity renders any such agreements void or voidable. \n\n4. UNREASONABLE PAYMENT DEMANDS Midland demanded monthly payments of {$200.00}, equivalent to a car payment, without regard to my stated financial hardship and unemployment status. \n\nPATTERN OF DECEPTIVE PRACTICES These violations demonstrate a systematic pattern of deceptive collection practices rather than innocent errors : Multiple false statements in a single call Contradictory claims proving deliberate deception Use of false urgency to manipulate payment decisions Disregard for state recording consent requirements IMPACT ON CONSUMER These violations caused : Emotional distress from deceptive high-pressure tactics Confusion about my legal obligations due to false statements Financial pressure from unrealistic payment demands Potential financial harm from invalid agreements obtained through fraud","date_sent_to_company":"2025-08-11T22:20:05.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"15220681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-08-11T22:07:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["<em>PATTERN</em> OF <em>DECEPTIVE</em> <em>PRACTICES</em> These <em>violations</em> <em>demonstrate</em> a <em>systematic</em> <em>pattern</em> of <em>deceptive</em> <em>collection</em> <em>practices</em> rather than innocent errors : Multiple false statements in a single call Contradictory claims proving deliberate deception Use of false urgency to manipulate payment decisions Disregard for state recording consent requirements IMPACT ON CONSUMER These <em>violations</em> caused : Emotional distress from <em>deceptive</em> high-pressure tactics Confusion about my legal obligations due to false statements"],"product":["Debt <em>collection</em>"]},"sort":[25.54245,"15220681"]},{"_index":"complaint-public-v1","_id":"17230222","_score":25.033806,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER REBUTTAL AND DEMAND FOR ENFORCEMENT ACTION To : Consumer Financial Protection Bureau Re : Account Number XXXX - MULTIPLE FEDERAL AND STATE VIOLATIONS Date : XX/XX/XXXX EXECUTIVE SUMMARY Portfolio Recovery Associates , LLC ( \" PRA '' ) has committed egregious, systematic violations of multiple federal and state consumer protection statutes. Their own response contains damning admissions of liability and contradictory statements that expose a pattern of unlawful debt collection practices. This case demands immediate CFPB enforcement action, substantial civil penalties, and comprehensive consumer relief. I. FRAUDULENT DEBT AMOUNT - CORE VIOLATION MATHEMATICAL IMPOSSIBILITY AND FRAUDULENT INFLATION Documented Evidence : XX/XX/XXXX XXXX  XXXX Statement : Balance = {$7700.00} PRA Claimed Balance : {$9000.00} Unexplained Increase : {$1200.00} ( 16.7 % inflation ) Legal Analysis : 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of debt amount 15 U.S.C. 1692f : Prohibits unfair practices, including inflating debt amounts No Documentation Provided : PRA has provided XXXX documentation explaining this {$1200.00} increase Fraudulent Enhancement : This represents systematic debt inflation - a deceptive practice affecting thousands of consumers CFPB Action Required : This alone warrants substantial civil penalties and industry-wide investigation II. SYSTEMATIC FDCPA VIOLATIONS A. VALIDATION FRAUD UNDER XXXX PRA 's Contradictory Admissions : \" We have no record of a request or a dispute being received. '' \" Due to the consumer having made that dispute with a consumer reporting agency, we were not required to provide validation. '' XX/XX/XXXX letter : \" We have completed our investigation of your dispute. '' Legal Impossibility : You can not simultaneously have \" no record '' of a dispute AND complete an investigation of that dispute This represents either perjury to the CFPB or systematic record-keeping failures Violations : 15 U.S.C. 1692g ( a ) : Failure to provide validation within 30 days 15 U.S.C. 1692g ( b ) : Continued collection during dispute period 15 U.S.C. 1692e ( 8 ) : False representation regarding validation requirements B. CONTINUED COLLECTION DURING DISPUTE Evidence of Unlawful Collection : PRA admits to receiving a dispute through the credit reporting agency Continued collection efforts despite the dispute Failed to cease collection as required by 1692g ( b ) Statutory Violation : Direct violation of 15 U.S.C. 1692g ( b ) - automatic {$1000.00} statutory damages III. SYSTEMATIC FCRA VIOLATIONS A. FURNISHING DISPUTED INFORMATION - 623 VIOLATIONS PRA 's Admission of Guilt : Admits consumer disputed through the credit reporting agency Claims the right to continue furnishing without investigation This is a direct admission of FCRA 623 violation Legal Analysis : 15 U.S.C. 1681s-2 ( a ) ( 8 ) : Prohibits furnishing disputed information 15 U.S.C. 1681s-2 ( b ) : Requires investigation of disputes PRA admits to violating both provisions B. ACCURACY REQUIREMENTS VIOLATIONS Inflated Balance Reporting : Reporting {$9000.00} when documented balance was {$7700.00} 15 U.S.C. 1681s-2 ( a ) : Requires accurate information Maximum civil penalty exposure : {$4400.00} per violation IV. CALIFORNIA STATE LAW VIOLATIONS A. XXXX XXXX VIOLATIONS ( Cal. XXXX. XXXX XXXX et seq. ) Required Documentation Not Provided : Cal. Civ. Code 1788.17 : Requires specific validation documentation ; PRA License # 10594-99 carries specific obligations. Penalty : {$1000.00} per violation + actual damages. B. CALIFORNIA CONSUMER REPORTING VIOLATIONS Cal. Civ. Code 1785.25 : Furnishing inaccurate information ( inflated balance ), Failure to investigate disputes. Penalty : Up to {$2500.00} per violation. V. CFPB REGULATION F VIOLATIONS A. DISPUTE HANDLING FAILURES 12 CFR 1006.34 : Improper handling of validation requests. Continued collection during the dispute period. Each violation : Up to {$46000.00} per day. B. COMMUNICATION VIOLATIONS 12 CFR 1006.6 : Misleading communications about debt validation, False representations about dispute investigation, Civil penalty exposure : Substantial daily penalties VI. DECEPTIVE PRACTICES UNDER CFPA A. UNFAIR PRACTICES - 12 U.S.C. 5531 Debt Inflation Scheme : Systematic inflation of debt amounts No reasonable method to avoid harm Substantial consumer injury without countervailing benefits B. DECEPTIVE PRACTICES - 12 U.S.C. 5531 Misrepresentations : False statements about validation requirements Contradictory dispute handling claims Misleading debt amount representations VII. CONSTITUTIONAL DUE PROCESS VIOLATIONS A. PROCEDURAL DUE PROCESS Inadequate Notice : Failed to provide constitutionally adequate validation. Inflated debt amount without explanation. Violated fundamental fairness requirements. B. SUBSTANTIVE DUE PROCESS Arbitrary Debt Enhancement : No rational basis for {$1200.00} increase. Systematic debt inflation shocks the conscience. Violates fundamental fairness VIII. PATTERN AND PRACTICE EVIDENCE A. SYSTEMATIC VIOLATIONS Indicators of Industry-Wide Abuse : Standard form letters with identical defects Systematic debt inflation practices Contradictory validation procedures CFPB should investigate PRA 's entire portfolio B. CONSUMER HARM SCALE Estimated Impact : If PRA inflates debts by an average of 16.7 % across the portfolio Estimated consumer harm : Millions of dollars annually Thousands of consumers are affected by identical practices IX. LICENSING AND REGULATORY VIOLATIONS A. CALIFORNIA LICENSING VIOLATIONS License # XXXX Requirements : Failed to maintain accurate records Violated validation requirements Action Required : License suspension/revocation review XXXX XXXX VIOLATIONS NMLS ID : XXXX : Failed to comply with federal requirements Systematic regulatory violations Action Required : XXXX XXXX XXXX XXXX. DEMANDED RELIEF AND ENFORCEMENT ACTION A. IMMEDIATE CONSUMER RELIEF Complete Account Deletion : All PRA records and credit reporting Statutory Damages : FDCPA : {$1000.00} + actual damages California XXXX XXXX : {$1000.00} + actual damages FCRA : Actual and punitive damages Credit Report Correction : Permanent removal from all bureaus Cease and Desist : All collection activities are permanently B. CIVIL PENALTIES DEMANDED CFPB Civil Penalties : Debt Inflation Scheme : {$46000.00} per affected consumer FCRA Violations : {$4400.00} per furnishing violation Regulation F Violations : {$46000.00} per day of continued violations Estimated Total : Millions in civil penalties XXXX INDUSTRY-WIDE ENFORCEMENT Pattern and Practice Investigation : Comprehensive PRA Portfolio Review Debt Inflation Analysis Across All Accounts Systematic Validation Failure Investigation Consumer Restitution Program XXXX REGULATORY ACTION Licensing Reviews : California debt collector license suspension NMLS enforcement action Federal oversight enhancement XI . LEGAL PRECEDENT AND AUTHORITY A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Strict liability for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : FCRA concrete harm standards XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : FDCPA applies to litigation attorneys B. CFPB Precedential Enforcement Previous debt collector penalties exceeding {$10.00} XXXX Industry-wide pattern and practice investigations Systematic consumer restitution programs XXXX. XXXX XXXXXXXX EVIDENCE A. PRA 's Own Admissions Contradiction # XXXX : No dispute record vs. completed investigation Contradiction # XXXX : Debt amount inflation without explanation Contradiction # XXXX : Validation requirements misunderstanding B. Documentary Evidence XXXX  XXXX final statement : {$7700.00} PRA inflated claim : {$9000.00} No supporting documentation for the increase Mathematical impossibility of legitimate debt growth CONCLUSION AND DEMAND FOR ACTION Portfolio Recovery Associates has committed numerous serious violations of federal and state consumer protection laws. Their own response contains multiple admissions of liability and demonstrates a pattern of systematic abuse affecting thousands of consumers. This case represents exactly the type of corporate misconduct that demands aggressive CFPB enforcement action. IMMEDIATE ACTIONS DEMANDED : Find all violations proven by PRA 's own admissions Order complete consumer relief, including account deletion Impose maximum civil penalties for each violation Launch industry-wide investigation of PRA 's practices Refer for criminal investigation of potential fraud Order a comprehensive consumer restitution program CONSUMER IMPACT STATEMENT : This systematic abuse has caused : Financial Harm : Fraudulent debt inflation Credit Damage : False negative reporting Emotional Distress : Harassing collection attempts Constitutional Violations : Due Process Deprivations PUBLIC INTEREST : The CFPB 's response to this complaint will send a clear message to the debt collection industry. Aggressive enforcement action will protect millions of consumers from similar systematic abuse. The evidence is overwhelming. The violations are admitted. The harm is documented. Justice demands maximum enforcement action. Respectfully submitted with demand for immediate action, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX ATTACHMENTS : XXXX  XXXX Final Statement ( XX/XX/XXXX ), PRA Collection Letters Supporting Documentation, Legal Citations and Authorities","date_sent_to_company":"2025-11-13T15:41:25.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"95367","tags":"Servicemember","has_narrative":true,"complaint_id":"17230222","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-11-13T15:27:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Systematic</em> debt inflation shocks the conscience. <em>Violates</em> fundamental fairness VIII. <em>PATTERN</em> AND <em>PRACTICE</em> EVIDENCE A. <em>SYSTEMATIC</em> <em>VIOLATIONS</em> Indicators of Industry-Wide Abuse : Standard form letters with identical defects <em>Systematic</em> debt inflation <em>practices</em> Contradictory validation procedures CFPB should investigate PRA 's entire portfolio B."],"product":["Debt <em>collection</em>"]},"sort":[25.033806,"17230222"]},{"_index":"complaint-public-v1","_id":"8594303","_score":24.830948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to request clarification and documentation regarding various adjustments made to the alleged collection balance by XXXX XXXX XXXX XXXX XXXX XXXX Specifically, I need validation of the debt and final billing statements covering the period from XX/XX/XXXX, to XX/XX/XXXX, which encompasses the entire duration of the purported lease. It is unreasonable to expect payment for a bill that can not be reviewed for accuracy. \n\nMy legal counsel ( please find attached the attorney DEMAND letter ) and I are contacting Equifax to enlist their legal assistance in compelling XXXX XXXX XXXX XXXX XXXX to furnish explanations and accompanying documentation for every alteration made to the collection balance, as delineated below : ( SEE ATTACHED LETTER FOR DETAILS ) These adjustments, orchestrated by XXXX XXXX XXXX XXXX XXXX, have been ongoing for over a year and have resulted in severe violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The systematic manipulation has caused considerable harm to my credit score and overall financial stability, demonstrating a blatant disregard for consumer protection laws. \n\nMoreover, the manipulative tactics employed by XXXX XXXX XXXX XXXX XXXX, not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also implicate Equifax, as they are aware of these practices yet fail to intervene. As delineated in the FDCPA, debt collection companies are strictly prohibited from engaging in abusive, unfair, or deceptive practices during their debt collection efforts. \n\nIt is crucial to emphasize that collection agencies, such as XXXX XXXX XXXX XXXX XXXX, do not have the authority to arbitrarily modify collection balances. The frequent adjustments to my collection balances, often by insignificant amounts, have led to notable decreases in my credit scores, ranging from XXXX to XXXX points each month. This pattern, commonly referred to as \" trashing the consumer 's credit report, '' is a deceptive tactic employed to pressure consumers into payment. \n\nI urge Equifax 's legal department to intervene and compel XXXX XXXX XXXX XXXX XXXX to provide detailed explanations and supporting documents for each adjustment to my collection balances. Additionally, I request Equifax 's assistance in holding XXXX XXXX XXXX XXXX XXXX accountable for their fraudulent practices and ensuring that my credit report accurately reflects my financial standing.","date_sent_to_company":"2024-03-21T16:46:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"8594303","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-21T16:25:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>systematic</em> manipulation has caused considerable harm to my credit score and overall financial stability, <em>demonstrating</em> a blatant disregard for consumer protection laws. \n\nMoreover, the manipulative tactics employed by XXXX XXXX XXXX XXXX XXXX, not only <em>violate</em> the Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ) but also implicate Equifax, as they are aware of these <em>practices</em> yet fail to intervene."]},"sort":[24.830948,"8594303"]},{"_index":"complaint-public-v1","_id":"15449983","_score":24.786476,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU Date : XX/XX/2025 Complainant Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Company Information : Company Name : Hunt & Henriques, LLP Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Type of Business : Debt Collection Law Firm Product/Service : Debt Collection Legal Services Issue Category : Fraudulent collection practices and improper service of process Detailed Description of Issue : Hunt & Henriques , LLP is representing XXXX XXXX XXXX. in a debt collection lawsuit against me filed in XXXX XXXX XXXX Court Case No. XXXX. This law firm has engaged in fraudulent practices that violate federal debt collection laws and consumer protection statutes.\n\nFraudulent Service of Process : The law firm 's process server, XXXX XXXX, filed two contradictory Proofs of Service under penalty of perjury that contain impossible claims : First Proof of Service ( filed XX/XX/2025 ) : Claims personal service at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2025, at XXXXXXXX XXXX Second Proof of Service ( filed XX/XX/2025 ) : Claims personal service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2025, at XXXX XXXX  These addresses are XXXX XXXX apart according to XXXX XXXX, making simultaneous service at both locations physically impossible. This constitutes clear perjury and fraud in the collection process.\n\nAttorney Knowledge and Misconduct : Despite being presented with overwhelming evidence of this contradiction, attorneys XXXX XXXX ( XXXX XXXX XXXXXXXX ) and XXXX XXXX ( XXXX XXXX. XXXX ) have : Refused to acknowledge or address the perjured service documents Continued pursuing a default judgment for over {$24000.00} based on fraudulent service Filed court pleadings that deliberately ignore the proof of perjury Engaged in bad faith litigation practices to secure an unwarranted judgment FDCPA and Consumer Protection Violations : This conduct violates multiple provisions of the Fair Debt Collection Practices Act : 15 U.S.C. Section 1692e ( False or misleading representations ) : Using fraudulent legal process and perjured evidence to collect a debt 15 U.S.C. Section 1692f ( Unfair practices ) : Employing fraudulent service of process as an unfair means of collecting a debt 15 U.S.C. Section 1692e ( 2 ) ( A ) : Falsely representing the character, amount, or legal status of a debt by using perjured service documents The firm 's willingness to rely on demonstrably false evidence while pursuing collection efforts violates the fundamental consumer protections established by federal law.\n\nImpact on Consumer : This fraudulent conduct has caused significant harm including : Threat of wrongful default judgment exceeding {$24000.00} Damage to credit standing and financial reputation Emotional distress from facing fraudulent legal proceedings Forced expenditure of time and resources defending against fraudulent claims Violation of due process rights through improper service Pattern of Misconduct : The deliberate nature of these violations, combined with the attorneys ' refusal to address known fraud even when presented with clear evidence, suggests a systematic pattern of deceptive practices that likely affects other consumers facing similar collection actions.\n\nRelief Requested : Investigation into Hunt & Henriques ' debt collection practices and procedures Immediate cessation of collection efforts based on fraudulent service of process Correction of any adverse credit reporting based on this fraudulent lawsuit Monetary damages for harm caused by fraudulent collection practices Referral to appropriate enforcement agencies for potential criminal fraud investigation Implementation of compliance measures to prevent future fraudulent practices\nSupporting Documentation : I have extensive documentation supporting these allegations including both contradictory Proofs of Service, XXXX XXXX  evidence showing the geographic impossibility, court filings demonstrating attorney knowledge of the fraud, and correspondence proving their refusal to address the perjured evidence.\n\nThis law firm 's willingness to use perjured evidence and continue aggressive collection efforts despite irrefutable proof of fraud demonstrates a clear pattern of deceptive practices that harms consumers and undermines the integrity of the legal system. Their conduct violates both the letter and spirit of federal consumer protection laws designed to prevent exactly this type of fraudulent collection activity.\n\nI respectfully request a thorough investigation into these serious violations and appropriate enforcement action to protect consumers from these harmful practices.\n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2025-08-22T19:19:09.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92882","tags":null,"has_narrative":true,"complaint_id":"15449983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hunt & Henriques","date_received":"2025-08-22T19:12:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["known fraud even when presented with clear evidence, suggests a <em>systematic</em> <em>pattern</em> of <em>deceptive</em> <em>practices</em> that likely affects other consumers facing similar <em>collection</em> actions."],"product":["Debt <em>collection</em>"]},"sort":[24.786476,"15449983"]},{"_index":"complaint-public-v1","_id":"15594405","_score":23.981655,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this URGENT complaint against Bank of America as Master Servicer for mortgage loan # XXXX on my primary residence at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Bank of America has orchestrated and authorized an ILLEGAL foreclosure sale for XX/XX/XXXX, while engaging in a calculated pattern of COMPLETE SILENCE in response to debt validation demands, cease and desist letters, and prior CFPB complaints. This predatory conduct represents systematic elder abuse against XXXX vulnerable homeowners, willful violations of the FDCPA ( 15 U.S.C. 1692g ), RESPA ( 12 U.S.C. 2605 ; 12 C.F.R. 1024.35-41 ), and CFPB servicing rules, demonstrating Bank of America 's ongoing disregard for federal oversight. \n\nCRITICAL VIOLATIONS : 1. COMPLETE FDCPA DEBT VALIDATION FAILURE ( 15 U.S.C. 1692g ) As Master Servicer with ultimate oversight and responsibility for servicing compliance under RESPA and CFPB regulations ( 12 C.F.R. 1024.38 ), Bank of America received comprehensive debt validation demands on multiple dates challenging : - Amount owed and calculation methodology - Chain of title and assignment documentation - Original creditor and current note holder identity - Authority to collect and foreclose - Payment history and accounting accuracy - Master servicer delegation and oversight documentation Bank of America provided ZERO RESPONSE to these demands, flagrantly violating FDCPA 1692g ( b ), which mandates cessation of all collection activities including foreclosure until full validation is provided. Their willful silence while authorizing the sale constitutes predatory debt collection and exposes them to statutory damages, attorney 's fees, and CFPB enforcement action. \n\n2. MASTER SERVICER OVERSIGHT ABDICATION AND RESPA ERROR RESOLUTION FAILURES ( 12 C.F.R. 1024.35-38 ) As Master Servicer owning the servicing rights and overseeing subservicers like Shellpoint ( 12 C.F.R. 1024.2 ), Bank of America has federal obligations to : - Ensure subservicer compliance with all federal laws - Respond to notices of error and qualified written requests - Maintain reasonable policies for borrower disputes - Monitor and correct servicing errors- Provide proper oversight and accountability Bank of America has COMPLETELY ABDICATED these duties, allowing systematic violations by Shellpoint while refusing to acknowledge or correct errors in identity, chain of title, and dual tracking. This violates RESPA error resolution requirements ( 12 C.F.R. 1024.35 ), entitling me to damages up to {$2000.00} per violation plus actual harm. \n\n3. WILLFUL DUAL TRACKING VIOLATIONS ( RESPA 12 C.F.R. 1024.41 ) As Master Servicer, Bank of America authorized and coordinated dual tracking violations where : - Loss mitigation applications were pending ( confirmed by XXXX XXXXXXXX XXXX email ) - Foreclosure proceedings continued simultaneously, culminating in the XX/XX/XXXX sale - No halt orders issued despite pending modifications - Systematic orchestration of prohibited dual tracking, ignoring CFPB guidelines against advancing foreclosure during active reviews This directly breaches RESPA 1024.41 ( f ) - ( g ), which prohibits dual tracking and requires evaluation of alternatives before sale. Such violations have led to CFPB injunctions and penalties in similar cases. \n\n4. ELDER ABUSE THROUGH SYSTEMATIC SILENCE AND PREDATORY TARGETING Bank of America 's complete non-response to XXXX borrowers facing foreclosure constitutes financial elder abuse under California law, where taking property through undue influence or fraud from elders ( XXXX ) triggers enhanced remedies like treble damages and attorney 's fees ( W & I Code 15657.5 ). Their pattern includes : - Zero response to cease and desist demands sent via certified mail - Complete silence to previous CFPB complaints - No acknowledgment of validation requests with proof of service - Authorizing foreclosure against elderly borrowers without any communication - Predatory targeting exploiting vulnerable seniors This predatory silence exploits vulnerable seniors, violating federal consumer protections and warranting criminal referral under elder abuse statutes. \n\n5. IDENTITY FRAUD AUTHORIZATION As Master Servicer, Bank of America authorized foreclosure against \" XXXX XXXX '' and \" XXXX XXXX '' despite having access to our correct identities XXXX XXXX XXXX and XXXX XXXX ( court-ordered name change XXXX ). This systematic identity fraud violates : - FDCPA 1692e ( false representations ) - Elder abuse statutes ( W & I Code 15610.30 ) - Federal banking regulations against deceptive practices 6. CHAIN OF TITLE AND STANDING FAILURES Bank of America failed to provide Master Servicer documentation showing : - Proper delegation of foreclosure authority - Chain of assignments and note custody - Standing to authorize foreclosure proceedings - Master servicer agreement terms and limitations Without this documentation, the entire foreclosure is void under California law ( XXXX XXXX Bank of America ( XXXX ) XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX ). \n\n7. CFPB COMPLAINT EVASION AND PATTERN OF REGULATORY MISCONDUCT Bank of America 's complete silence in response to previous CFPB complaints demonstrates systematic regulatory evasion designed to avoid federal oversight while continuing harmful practices. This is consistent with their history of CFPB penalties for mortgage servicing violations and demonstrates a pattern of non-compliance with federal consumer protection requirements. \n\nPATTERN OF SYSTEMATIC ABUSE : Bank of America 's non-response strategy represents calculated predation designed to evade accountability while causing maximum harm to elderly homeowners. By maintaining absolute silence while authorizing foreclosure, they attempt to avoid federal oversight while systematically abusing vulnerable consumers. \n\nIMMEDIATE HARM AND IRREPARABLE INJURY : - Imminent loss of {>= $1,000,000} primary residence in days - Elderly borrowers ( XXXX XXXX XXXX ) facing immediate homelessness - Severe emotional distress and health impacts from systematic silence and abuse - Financial devastation from defending against coordinated predatory practices - Violation of fundamental due process and communication rights- Elder abuse through predatory non-communication tactics designed to exploit vulnerability SUPPORTING DOCUMENTATION ATTACHED : - Cease and desist letter to Bank of America with proof of service ( NO RESPONSE ) - Comprehensive debt validation demands with certified mail receipts ( NO RESPONSE ) - Previous CFPB complaints with confirmation numbers ( NO RESPONSE ) - Notice of Default and Notice of Trustee 's Sale showing XX/XX/XXXX date - Email from XXXX XXXX demonstrating dual tracking violations- Court-ordered name change documentation from XXXX - Chain of title challenge documentation and requests - Evidence of Master Servicer coordination with sub-servicers - Property deed and ownership documentation URGENT RELIEF REQUESTED : 1. IMMEDIATE EMERGENCY INVESTIGATION of Bank of America 's systematic violations 2. EMERGENCY ORDER halting XX/XX/XXXX foreclosure sale 3. MANDATORY DEBT VALIDATION from Master Servicer with complete documentation 4. MASTER SERVICER ACCOUNTABILITY enforcement including agreement audit 5. ELDER ABUSE INVESTIGATION and criminal referral to DOJ and California Attorney General 6. SANCTIONS AND PENALTIES for willful non-response pattern and systematic abuse 7. RESTITUTION for damages, legal costs, emotional harm, and elder abuse ( estimated $ XXXX ) 8. REFERRAL to OCC and federal banking regulators for systemic review and oversight 9. SYSTEMATIC REFORMS to prevent Master Servicer predation and elder abuse 10. INJUNCTION against future actions until full federal law compliance achieved MASTER SERVICER ULTIMATE ACCOUNTABILITY : Bank of America can not evade responsibility through systematic silence. As Master Servicer, they bear ultimate liability for subservicer compliance and borrower protection under federal regulations ( 12 C.F.R. 1024.38 ). Their calculated evasion strategy exacerbates elder harm and demands immediate CFPB intervention and enforcement action. \n\nCOORDINATED SYSTEMATIC ABUSE PATTERN : This complaint is part of systematic violations involving coordinated CFPB complaints against multiple entities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding the same illegal foreclosure proceedings. Bank of America 's complete silence while orchestrating the foreclosure positions them as the primary coordinator of this systematic elder abuse. \n\nBORROWER INFORMATION : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX - Phone : ( XXXX ) XXXX - Email : XXXX - Loan Number : XXXX - Master Servicer : Bank of America","date_sent_to_company":"2025-08-29T18:39:56.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"92882","tags":null,"has_narrative":true,"complaint_id":"15594405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-29T18:30:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["This <em>systematic</em> identity fraud <em>violates</em> : - FDCPA 1692e ( false representations ) - Elder abuse statutes ( W & I Code 15610.30 ) - Federal banking regulations against <em>deceptive</em> <em>practices</em> 6."]},"sort":[23.981655,"15594405"]},{"_index":"complaint-public-v1","_id":"12552218","_score":23.791412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Comprehensive Investigative Official Complaint and Cease Reporting Demand Prepared by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX I. Introduction This official complaint and demand for immediate corrective action are submitted to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), California Attorney Generals Office, and Texas Consumer Protection Agency to report systemic violations of federal and state consumer protection laws by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and TransUnion LLC. \n\nThese entities have engaged in systematic deceptive practices, including : False and inaccurate credit reporting. \nImproper and illegal debt collection practices. \nViolations of federal and state privacy laws. \nFailure to comply with dispute resolution procedures under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \nThe systemic nature of these violations has caused significant harm to my financial reputation, creditworthiness, and privacy rights. This report provides detailed fact-finding, evidence, and analysis to support enforcement actions and demands for immediate corrective measures. \n\nXXXX. Violations and Evidence A. Violations by XXXX XXXX XXXX XXXX. False and Inaccurate Credit Reporting Issue : XXXX XXXX XXXX reported a charge-off on my account despite the debt being fully settled on XX/XX/year>. \nViolations : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers are required to provide accurate information to credit reporting agencies.\n\nFCRA ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must conduct proper reinvestigations when disputes are filed. \nEvidence : Settlement documentation proving the debt was resolved. \nCredit reports from TransUnion showing the charge-off remained after settlement. \nXXXX. Failure to Investigate Disputes Issue : XXXX failed to conduct a reasonable investigation into disputes and relied solely on internal records, violating legal standards for reinvestigations. \nLegal Precedent : XXXX v. TransUnion : Established that creditors can not rely solely on internal records for reinvestigations. \nXXXX. Privacy Violations Issue : BMWs privacy policy, as outlined in XXXX XXXX XXXX, permits the sharing of personal data with third parties, even when disputes are unresolved. \nViolations : FCRA ( 15 U.S.C. 1681b ) : Unauthorized sharing of consumer data. \nXXXX XXXX XXXX - XXXX XXXX : Misuse of consumer information in debt collection. \nXXXX. Pattern of Misconduct Issue : XXXX XXXX XXXX has a history of similar violations, demonstrating a pattern of non-compliance. \nExamples : Trim v. XXXX XXXX XXXX : XXXX failed to update reports after accounts were paid. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was ordered to pay {$250000.00} for failing to reasonably investigate disputes. \nB. Violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Improper Debt Collection Practices Issue : XXXX XXXX attempted to collect a time-barred debt and inaccurately reported it on my credit report. \nViolations : FDCPA ( 1692e ) : Prohibits false or misleading representations in debt collection. \nXXXX XXXX XXXX - XXXX XXXX ( XXXX ) : Prohibits deceptive collection practices. \nEvidence : Re-aging of the debt to make it appear newer. \nXXXX letters and credit reports showing discrepancies in the date of the debt. \nXXXX. Privacy Violations Issue : XXXX XXXX  privacy policy, as outlined in XXXX XXXX, claims compliance with the California Consumer Privacy Act ( CCPA ) but fails to meet its requirements. \nViolations : XXXX  ( XXXX ) : Requires businesses to allow consumers to access and delete their personal data. \nXXXX  ( XXXX ) : Prohibits unauthorized sale or sharing of personal data. \nEvidence : Failure to respond to my requests for data access and deletion. \nSharing of personal data with third-party debt collectors without consent. \nXXXX. Pattern of Misconduct Issue : XXXX XXXX has a history of violations, demonstrating a pattern of deceptive practices. \nExamples : Enforcement actions by the CFPB for deceptive debt collection practices. \nClass-action lawsuits for re-aging debts and misrepresenting account statuses. \nXXXX Violations by TransUnion LLC XXXX. Failure to Conduct a Reasonable Reinvestigation Issue : TransUnion relied solely on the data furnishers ( XXXX XXXX XXXX and XXXX XXXX XXXX ) to verify disputed information, failing to conduct an independent and reasonable reinvestigation as required by law. \nViolations : FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information.\n\nFCRA ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy of consumer reports. \nEvidence : The letter from TransUnion ( attached as XXXX  Response XXXX XXXX ) confirms that TransUnion relied on the furnishers ' responses without conducting an independent investigation. \nTransUnion merely forwarded the dispute to the furnishers and accepted their verification without reviewing the accuracy of the data. \nXXXX. Privacy Violations Issue : XXXX privacy policy, as outlined in TransUnion LLC Privacy Notice | TransUnionXXXX reveals that consumer data is shared with affiliates and marketing partners without explicit consent. \nViolations : FCRA ( 15 U.S.C. 1681b ) : Unauthorized sharing of consumer data.\n\nCCPA ( 1798.120 ) : Failing to provide opt-out mechanisms for data sharing and sale. \nEvidence : TransUnions privacy policy explicitly confirms data-sharing practices.\n\n3. Pattern of Misconduct Issue : TransUnion has faced multiple lawsuits and enforcement actions for failing to ensure accuracy and protect consumer data. \nExamples : A {$60.00} XXXX settlement for failing to remove inaccurate information after disputes. \nFTC enforcement actions for deceptive marketing of credit monitoring services. \nXXXX. Cease Reporting Demand I demand the immediate removal of all disputed and inaccurate information from my credit profile. Specifically : Cease Reporting Inaccurate Information : Remove the charge-off from my credit report related to XXXX XXXX XXXX XXXX as the debt was settled on XX/XX/year>. \nRemove any inaccurate debt information reported by XXXX XXXX XXXX and XXXX XXXX XXXX, including re-aged or unverifiable accounts. \nUpdate Credit Reports : Notify TransUnion and all other credit reporting agencies to correct or delete the inaccurate information in compliance with FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ).\n\nFailure to comply within 30 days will result in formal complaints to regulatory agencies and legal action. \n\nIV. Requested Actions by Agencies I request the following actions : Comprehensive Investigation : Investigate the practices of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and TransUnion for violations of federal and state laws. \nEnforcement Actions : Pursue fines, penalties, and corrective actions against these entities. \nConsumer Redress : Provide restitution to affected consumers for financial harm and emotional distress. \nPolicy Changes : Require these entities to implement policies to ensure compliance with FCRA, FDCPA, and CCPA. \nPublic Accountability : Publish findings and enforcement actions to hold these entities accountable. \nXXXX Conclusion This complaint provides comprehensive evidence of systematic deceptive practices that harm consumers and violate federal and state laws. I urge immediate action to address these violations and protect consumer rights. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T05:22:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"12552218","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-20T05:22:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Pattern</em> of Misconduct Issue : XXXX XXXX has a history of <em>violations</em>, <em>demonstrating</em> a <em>pattern</em> of <em>deceptive</em> <em>practices</em>. \nExamples : Enforcement actions by the CFPB for <em>deceptive</em> debt <em>collection</em> <em>practices</em>. \nClass-action lawsuits for re-aging debts and misrepresenting account statuses. \nXXXX <em>Violations</em> by TransUnion LLC XXXX."]},"sort":[23.791412,"12552218"]},{"_index":"complaint-public-v1","_id":"17195316","_score":23.06198,"_source":{"product":"Debt collection","complaint_what_happened":"XXXXXXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I. Introduction and Summary of Allegations I am filing this formal complaint against XXXX XXXX XXXX based on its response communication reveals a potentially deceptive and unfair debt collection practice, specifically attempting to collect and report a debt that was previously unverified and deleted from my credit file by the original creditor, Navy Federal Credit Union ( \" XXXX XXXX '' ). This action by XXXX XXXX XXXX, in conjunction with its assertion that the FDCPA is \" inapplicable, '' suggests a systemic disregard for consumer protection laws and constitutes a grave risk of harm to consumers. This behavior threatens consumer financial stability, and I urge the XXXX to investigate this pattern of conduct. XXXX. Factual Background Prior Deletion by Original Creditor : Following a dispute, XXXX XXXX has already unverified and deleted the debt from my credit report. This action signifies that the original creditor could notor would notvalidate the debt, effectively erasing it from the official credit record. XXXX XXXX XXXX Notice of \" Purchase '' : Despite the debt 's prior deletion by XXXX XXXX, XXXX XXXX XXXX claims to have purchased the debt it threatens to report it to credit bureaus. This action is predicated on an alleged assignment of rights from XXXX XXXX. Conflicting Information : A debt that has been deleted by the original creditor due to lack of verification can not be legitimately \" sold '' or subsequently re-reported by a debt buyer. XXXX XXXX XXXX actions create conflicting information, which violates the Fair Credit Reporting Act ( FCRA ). A reasonable investigation by XXXX XXXX XXXX prior to purchase would have revealed the debt 's disputed and deleted status. Misrepresentation of FDCPA Applicability : XXXX XXXX XXXX statement, \" XXXX XXXX XXXX has begun collection of Consumer 's account yet so the FDCPA is inapplicable, '' is a misrepresentation of law. A debt buyer 's actions to acquire, review, and send initial notices regarding an account are all part of the collection process and are governed by the FDCPA. The FDCPA applies to all debt collectors from the moment they initiate contact or undertake any collection activities. III. Legal Defenses and Analysis This situation presents several legal issues that a court would consider. Lack of Standing and Valid Assignment : XXXX XXXX XXXX likely lacks the legal right ( standing ) to collect on this debt. The purported assignment of rights from XXXX XXXX is suspect given the debt 's prior invalidation. As a debt buyer purchasing a portfolio of debts XXXX XXXX XXXX, bears the burden of proving a clear and legitimate chain of assignment for each individual debt. In the absence of this proof, any collection efforts are null and void. Violation of the Fair Credit Reporting Act ( FCRA ) : By purchasing and attempting to collect a debt known to be unverified and deleted by the original creditor, XXXX XXXX XXXX is violating its obligation to ensure the accuracy of credit reporting information. XXXX XXXX XXXX failure to conduct a reasonable investigation into the validity of the debt before attempting to collect on it demonstrates a willful disregard for consumer protections. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of the Debt 's Status : XXXX XXXX XXXX attempt to collect a debt that was already deleted by the original creditor constitutes the use of false, deceptive, or misleading representations in connection with the collection of a debt, a clear FDCPA violation under 15 U.S.C. 1692e. Misrepresentation of Legal Rights : The false claim that the FDCPA is inapplicable is a deceptive practice intended to intimidate the consumer into believing they have no recourse against collection activity. IV. Request for Bureau Action Based on the foregoing, I request that the Consumer Financial Protection Bureau : Initiate an investigation into the practices of XXXX XXXX XXXX XXXX, and its relationship with original creditors like XXXX XXXX. Determine if XXXX XXXX XXXX is systematically violating the FDCPA and FCRA by acquiring and attempting to collect on debts that have been previously deemed unverified and deleted by the original creditor. XXXX XXXX to cease all collection activities on my account and any other similarly situated accounts and to formally confirm in writing that no collection or credit reporting will occur. Hold XXXX accountable for any consumer harm resulting from these illegal and deceptive practices. I have included copies of XXXX 's complaint response and any other relevant documentation to support this complaint. The egregious conduct of XXXX XXXX XXXX in attempting to pursue a debt already recorded with XXXX XXXX XXXX XXXX as \" Unverified and Reported Deleted '' over XXXX times within the CFPB 's own records constitutes a blatant disregard for established consumer protections and regulatory oversight. This persistent re-activation of a demonstrably unsubstantiated debt, originally from Navy Federal Credit Union account # XXXX, is an act of flagrant deception and an abuse of process, warranting immediate and decisive administrative action. The claim by ARI that the Fair Debt Collection Practices Act is inapplicable is a transparent and unfounded legal assertion intended to circumvent federal law and improperly intimidate consumers, demonstrating a clear pattern of potential future harm that the Bureau is hereby noticed to prevent and remedy with the full extent of its authority. Respectfully, XXXX XXXX XXXX ( Consumer )","date_sent_to_company":"2025-11-12T16:18:51.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"17195316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-12T16:18:25.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["<em>Violation</em> of the Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ) : Misrepresentation of the Debt 's Status : XXXX XXXX XXXX attempt to collect a debt that was already deleted by the original creditor constitutes the use of false, <em>deceptive</em>, or misleading representations in connection with the <em>collection</em> of a debt, a clear FDCPA <em>violation</em> under 15 U.S.C. 1692e."],"product":["Debt <em>collection</em>"]},"sort":[23.06198,"17195316"]},{"_index":"complaint-public-v1","_id":"13260387","_score":22.976952,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX URGENT REQUEST FOR ASSISTANCE RE : Predatory Auto Lending, Multiple Wrongful Repossessions & Systematic Fraud To Whom It May Concern : I am writing to request immediate intervention regarding predatory auto lending practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX and their dealer partner XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. My vehicle has now been repossessed for the SECOND time, and I have uncovered substantial evidence of systematic fraud and potentially illegal practices. \n\nOn XX/XX/XXXX, I entered into a retail installment contract for a XXXX XXXX XXXX. This contract was procured through multiple fraudulent misrepresentations, and the vehicle has now been repossessed without proper notice. \n\nI request assistance in unwinding this fraudulent transaction, recovering all monies paid, and stopping these companies from victimizing other consumers. \n\n1. DOCUMENTED VEHICLE HISTORY FRAUD : a. The dealership deliberately concealed that the vehicle was previously a RENTAL CAR. I have obtained an XXXX vehicle history report that definitively confirms the vehicle was used as a rental in Illinois from XX/XX/XXXX to XX/XX/XXXX. \n\nb. The dealership explicitly misrepresented the vehicle as XXXX XXXX ( XXXX XXXX on the official contract, with \" XXXX XXXX XXXX  '' clearly stated in the \" Style '' section. The vehicle is actually XXXX XXXX ( XXXX ). \n\nc. These material misrepresentations significantly inflated the vehicle 's value and violate Florida 's Deceptive and Unfair Trade Practices Act as well as the Truth in Lending Act 's disclosure requirements.\n\n2. EVIDENCE OF SYSTEMATIC FRAUD : a. I have discovered through the AutoCheck report that XXXX XXXX listed the vehicle in their dealer inventory on XX/XX/XXXX - WHILE I WAS THE LEGAL OWNER WITH A XXXX. This appears to be an attempt to double-sell a vehicle they no longer owned, which potentially constitutes criminal fraud. \n\nb. The vehicle has two open safety recalls that were never disclosed to me, including one for the fuel tank, potentially creating a safety hazard. \n\nXXXX XXXX XXXX either failed to conduct basic due diligence on this transaction or knowingly participated in financing a fraudulent sale. \n\n3. DECEPTIVE CONTRACT STRUCTURE : a. After a high-pressure sales session that lasted until nearly XXXX XXXX, the contract was structured to conceal what happened to my down payment. \n\nb. The contract showed an initial price of {$22000.00}, but after supposedly applying my {$5000.00} down payment, the amount financed was {$22000.00} - a reduction of only a few XXXX dollars. \n\nc. This mathematical manipulation effectively concealed that my down payment was being absorbed by an unauthorized $ XXXX warranty charge that I had explicitly declined. \n\n4. PATTERN OF WRONGFUL REPOSSESSIONS : a. FIRST REPOSSESSION : Within the initial 30-day period before any payment was even due, XXXXXXXX XXXX  XXXX XXXX the vehicle as retaliation after I questioned contract discrepancies. They demanded additional funds plus arbitrary repossession fees despite having agreed to give me 30 days to pay the remainder of the down payment. \n\nb. SECOND REPOSSESSION : The vehicle has now been repossessed again without proper notice. \n\nXXXX. PREDATORY SERVICING PRACTICES : a. 100 % of payments applied to interest with no meaningful principal reduction b. After making multiple payments totaling over {$4000.00}, my payoff amount increased to {$23000.00} from the original {$22000.00} loan XXXX This payment structure creates an inescapable debt trap in violation of federal consumer protection laws I believe these actions violate : - The Truth in Lending Act - The Fair Debt Collection Practices Act - UDAAP prohibitions ( Unfair, Deceptive, or Abusive Acts or Practices ) - The Equal Credit Opportunity Act ( targeting vulnerable consumers ) - Federal prohibitions against Unfair Debt Collection Practices I request that the CFPB : XXXX. Take immediate action to prevent auction of the repossessed vehicle XXXX. Investigate XXXX XXXX 's partnership with XXXX XXXX XXXX. XXXX complete rescission of the fraudulent contract XXXX. Require restitution of all monies paid ( XXXX ) XXXX. Pursue appropriate penalties for these systematic violations Given the second repossession and risk of auction, time is of the essence. Thank you for your urgent attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX : XXXX. XXXX vehicle history report confirming rental history and dealer relisting while under XXXX XXXX. Copy of Retail Installment Contract showing \" XXXX XXXX XXXX  '' misrepresentation XXXX. Payment history screenshots showing improper application XXXX. Account summary demonstrating predatory structure XXXX. Text message communications revealing deceptive practices XXXXXXXX XXXX  reviews showing pattern of similar misconduct","date_sent_to_company":"2025-06-21T22:35:00.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13260387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fuel Capital Group","date_received":"2025-05-01T01:44:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Account summary <em>demonstrating</em> predatory structure XXXX. Text message communications revealing <em>deceptive</em> <em>practices</em> XXXXXXXX XXXX  reviews showing <em>pattern</em> of similar misconduct"]},"sort":[22.976952,"13260387"]},{"_index":"complaint-public-v1","_id":"11690303","_score":22.712389,"_source":{"product":"Debt collection","complaint_what_happened":"Nature of Complaint : Failure to Establish Debt Ownership XXXX filed a lawsuit against me ( Case No. XXXX ) in XXXX XXXX XXXX, Texas They have never provided evidence that they own or have the right to collect this alleged debt They have failed to produce documentation showing proper chain of title or assignment They proceed with aggressive collection tactics without establishing their legal standing They have not demonstrated any legitimate connection between myself and this alleged debt Improper Service and Notice I was never properly served with the lawsuit. The case was transferred but should have been dismissed ab initio. \nI only learned about the lawsuit through multiple solicitation letters from attorneys who had somehow obtained my information before I was even served This suggests XXXX was sharing my personal information with third parties before any legal notification The case was transferred from XXXX XXXX to XXXX XXXX without proper service, and XXXX XXXX, continued the same unscrupulous tactics. \n\n\nContinued Harassment Despite Legal Challenges Multiple motions were filed challenging XXXX 's ownership of the debt or right to sue based on court 's lack of jurisdiction XXXX has consistently failed to respond to legitimate legal requests for documentation They continue aggressive collection efforts without establishing their right to collect Procedural Abuse They pursue collection through questionable procedural methods, filing through e-filing but claiming to mail documents that are never received. I am only finding that documents are being filed, by printing out register of actions daily. \nThey continue to use problematic service methods for court documents They are pursuing a receivership order despite their failure to establish ownership They systematically avoid responding to legitimate legal requests Systemic Issues with Judicial Process There appear to be serious institutional issues that facilitate XXXX 's practices : Courts appear to rubber-stamp XXXX 's XXXX without meaningful review Properly filed defensive pleadings seem to be ignored or given minimal consideration Identical form orders are issued across multiple cases suggesting lack of individual review Pro XXXX defendants face apparent systematic bias in proceedings Court procedures seem to favor mass-filing debt XXXX over individual defendants Despite filing detailed responses and evidence, court orders show no indication of having considered defendant 's arguments Receivership orders are granted without proper evidentiary hearings Emergency motions are granted ex parte without proper notice or opportunity to respond Court clerks appear to XXXX XXXX 's filings with XXXX speed while defensive filings face delays Statistical patterns suggest concerning correlation between specific courts and favorable XXXX outcomes Courts appear XXXX ignore evidence of improper service while accepting XXXX 's assertions at XXXX value Defendants ' motions for relief from improper judgments face inexplicable delays Pattern of courts accepting XXXX 's boilerplate affidavits XXXX requiring proper evidence Appearance of preferential treatment in scheduling and hearing settings Persistent Pattern of Misconduct and Willful Violations Despite multiple regulatory actions, fines, and court orders, Portfolio Recovery Associates continues XXXX XXXX XXXX mass lawsuits without proper documentation, overwhelming court systems nationwide Systematically abuse e-filing systems by : Filing court documents electronically while only sending physical mail to defendants Deliberately creating time gaps between e-filed documents and postal notice Using e-filing to obtain quick judgments before defendants receive notice Claiming service through mail while benefiting from faster e-filing Exploiting the difference between e-filing timestamps and postal delivery times Filing emergency motions via e-file without contemporaneous notice to defendants Using e-file system to create appearance of proper service without actual notice Failing to provide e-file notification information to pro XXXX defendants Pursue collection on debts they can not prove they own Engage in systematic robo-signing of legal documents Make false or misleading representations in court filings File suits on time-barred debts Share consumer information with third parties before establishing legal right to collect Ignore state and federal regulators ' directives Continue abusive practices even after paying millions in fines Target vulnerable populations with aggressive collection tactics Manipulate court procedures to obtain default judgments Hide behind complex corporate structures to evade responsibility Refuse to correct known errors in consumer accounts Deliberately withhold exculpatory evidence in court proceedings Maintain policies that knowingly violate consumer protection laws Use technological systems designed to maximize collection without regard for legal compliance Train employees to use deceptive collection tactics Deliberately fail to maintain proper chain of title documentation Continue to purchase dubious debt portfolios despite known documentation issues Industry-Wide Impact : This complaint is part of a larger pattern of misconduct by Portfolio Recovery Associates that affects consumers nationwide. Their practices appear designed to : Overwhelm courts with mass filings Obtain default judgments through improper service and deceptive e-filing practices Exploit the disparity between e-filing and physical mail notification Create procedural advantages through technological manipulation Pressure consumers into paying debts without proving ownership Exploit consumers ' lack of legal knowledge Circumvent consumer protection laws Profit from questionable debt purchases Avoid proving their legal standing to collect Deny defendants fair notice and opportunity to respond This complaint is submitted to address ongoing violations of consumer protection laws and to prevent similar actions against other consumers. I authorize the CFPB to send my complaint and information to the company for a response. \nI declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge.","date_sent_to_company":"2025-01-23T00:41:38.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"11690303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-01-23T00:21:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["structures to evade responsibility Refuse to correct known errors in consumer accounts Deliberately withhold exculpatory evidence in court proceedings Maintain policies that knowingly <em>violate</em> consumer protection laws Use technological systems designed to maximize <em>collection</em> without regard for legal compliance Train employees to use <em>deceptive</em> <em>collection</em> tactics Deliberately fail to maintain proper chain of title documentation Continue to purchase dubious debt portfolios despite known documentation"],"product":["Debt <em>collection</em>"]},"sort":[22.712389,"11690303"]},{"_index":"complaint-public-v1","_id":"12999633","_score":22.097214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT TO TRANSUNION VIA THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXXXXXX XXXX LA XXXX Date : XX/XX/XXXX To : TransUnion Consumer RelationsVia : XXXXonsumer Financial Protection BureauXXXX. XXXX XXXX XXXX, IA XXXX RE : URGENT - Metro 2 Format Violations & Fair Credit Reporting Abuses by XXXX  ( Account Last Reported XX/XX/XXXX ) To Whom It May Concern : I am filing this formal complaint to document critical and willful violations of credit reporting standards by XXXX. My comprehensive review has identified egregious technical violations of Metro 2 Format requirements that demonstrate a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Reporting Resource Guide ( CRRG ) standards. These violations constitute UNFAIR and DECEPTIVE practices that have materially damaged my credit profile, caused demonstrable harm, and systematically impeded my federally protected consumer rights. \nAccount Details ( Per Credit Report ) Collection Agency : XXXX Alleged Original Creditor : XXXX ( Same entity improperly listed twice ) Account Balance : {$1000.00} Account Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Open/Placed for collection Consumer Dispute Status : Account information disputed by consumer ( Duplicated ) Specific Technical Metro 2 Format Violations Metro 2 Base Segment Violations 1. Segment Identifier Error ( Field 1 ) : XXXX has improperly coded the Base Segment Identifier by duplicating itself as both creditor and collection agency, violating Field XXXX technical specifications. \n2. Consumer Account Number ( XXXX XXXX  ) : The account identifiers are inconsistently applied between segments, evidenced by duplicate dispute reporting. \nXXXX. XXXX XXXX ( XXXX XXXX ) : No proper designation as specified in Metro 2 format requirements. \n4. Account Type ( XXXX XXXX ) : Completely missing value ( displayed as ), a critical mandatory field violation. \n5. Consumer Information Indicator ( XXXX XXXX ) : Improper coding as evidenced by the duplicate dispute remarks. \n6. Account XXXX ( XXXX XXXX ) : Incorrect status coding for an account under active dispute. \n7. Payment History Profile ( XXXX XXXX ) : Timeline inconsistencies suggesting improper retroactive reporting. \n8. Special Comment ( XXXX XXXX  ) : Failure to properly code disputed account status. \n9. Compliance Condition ( XXXX XXXX ) : Missing appropriate FCRA compliance codes. \n10. ECOA Code ( XXXX XXXX ) : Improperly coded during disputed status, violating ECOA requirements. \nAssociated Consumer Segment Violations 1. Consumer Dispute Information ( XXXX XXXXXXXX ) : Critical duplicate coding of disputed status demonstrates systemic Metro 2 formatting failures. \nXXXX XXXX XXXXt Relationship Error : XXXX has failed to properly distinguish collection agency vs. original creditor roles in the required XXXX segments. \nFCRA Section 605 ( a ) ( 5 ) Violations The account appears potentially re-aged based on date inconsistencies, potentially violating the 7-year reporting limitation. This constitutes a direct violation of Section 605 ( a ) ( 5 ) of the FCRA and demonstrates willful non-compliance.\n\nTechnical Access Barrier Evidence The persistent 411 Loading error preventing access to my account demonstrates systematic technological barriers to my federally protected rights to access and dispute information ( FCRA Section 609 ).\n\nFairness Impact Statement The technical violations detailed above demonstrate a pattern of unfair practices that directly harm me as a consumer in the following specific ways : 1. Credit Score Damage : These Metro 2 format violations have caused artificial reduction in my credit score through improper coding and duplicate negative reporting. \n2. Economic Hardship : These inaccuracies have directly resulted in denial of credit, increased interest rates, and reduced financial opportunities, causing quantifiable economic harm.\n\n3. Psychological Impact : The frustration and anxiety caused by being unable to access my own information ( 411 Loading error ) while negative information remains on my report constitutes emotional distress. \n4. Time Burden : I have spent countless hours attempting to resolve these issues, constituting a significant opportunity cost. \n5. Dispute Access Denial : The technical barriers prevent me from exercising my federally protected right to dispute inaccurate information.\n\nRequested Relief Based on the detailed technical Metro 2 format violations outlined above, I request the following specific remedies : 1. Immediate Removal : Complete deletion of the XXXX tradeline due to critical Metro 2 format violations rendering the entire reporting invalid. \n2. Statutory Damages : Payment of {$1000.00} per violation as provided under FCRA Section 616 for willful noncompliance, totaling {$10000.00} for the ten specific Metro 2 Format violations enumerated above. \n3. Civil Penalty Assessment : Investigation into pattern and practice violations under CFPB authority to assess civil penalties for willful non-compliance with XXXXetro 2 standards.\n\n4. Technical Compliance Audit : Full examination of XXXX Metro 2 compliance procedures and systems to identify systemic failures. \nXXXX. Restitution : Compensation for credit score damage, application denials, and increased interest costs directly resulting from these violations. \n6. Injunctive Relief : Order requiring XXXX to immediately fix technical barriers preventing account access. \nI have documented evidence of all violations cited, including screenshots of my credit report and the 411 Loading technical error. I stand ready to provide additional documentation supporting these claims.\n\nThe combination of technical Metro 2 violations, inaccurate reporting, and access barriers demonstrates a systematic disregard for consumer protection regulations that merits immediate and decisive enforcement action. \nRespectfully submitted, XXXX XXXX Enclosures : Credit report dated XX/XX/XXXX showing Metro 2 format violations Screenshots of 411 Loading technical access barrier Account statements showing dispute history cc : Federal Trade Commission ( FTC ) - Bureau of Consumer Protection National Credit Reporting Agencies ( XXXXXXXX XXXX, TransUnion ) Consumer Data Industry Association ( CDIA )- Metro 2 Format Standards Committee","date_sent_to_company":"2025-04-16T09:37:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12999633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T09:28:57.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My comprehensive review has identified egregious technical <em>violations</em> of Metro 2 Format requirements that <em>demonstrate</em> a <em>pattern</em> of non-compliance with the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Reporting Resource Guide ( CRRG ) standards. These <em>violations</em> constitute UNFAIR and <em>DECEPTIVE</em> <em>practices</em> that have materially damaged my credit profile, caused demonstrable harm, and <em>systematically</em> impeded my federally protected consumer rights."]},"sort":[22.097214,"12999633"]},{"_index":"complaint-public-v1","_id":"13879975","_score":21.940374,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"# CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT * * REQUEST FOR CFPB INVESTIGATION INTO TRANSUNION 'S SYSTEMIC VIOLATIONS * * * * Date : * * XX/XX/year> * * Consumer : * * XXXX XXXX XXXX * * Address : * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX * * Company : * * TransUnion LLC XXXX XXXX Address : * * XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX - # # URGENT REQUEST FOR CFPB INVESTIGATION AND ENFORCEMENT ACTION I am filing this formal complaint and * * requesting that the Consumer Financial Protection Bureau initiate a comprehensive investigation * * into TransUnion LLC 's systematic failure to conduct proper dispute investigations, particularly regarding identity theft cases. This complaint demonstrates a clear pattern of FCRA violations that requires immediate regulatory intervention and enforcement action.\n\n# # NATURE OF COMPLAINT - SYSTEMIC FCRA VIOLATIONS # # # Individual Case Details I have repeatedly disputed a fraudulent collection account placed by XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # : [ redacted ], Original Amount : {$8900.00} ) that appears on my credit report as a result of identity theft. Despite providing legally sufficient documentation as required under FCRA Section 605B, TransUnion has failed to conduct proper investigations.\n\n# # # Comprehensive Documentation Provided I submitted the following complete identity theft documentation package to TransUnion : 1. * * Approved Identity Theft Police Report * * - Official law enforcement documentation 2. * * FTC Identity Theft Affidavit * * - Federal Trade Commission sworn statement 3. * * Government-issued Photo Identification * * 4. * * Social Security Card * * 5. * * Utility Bill * * - Meeting FCRA address verification requirements # # # TransUnion 's Systematic Failure Despite this comprehensive evidence of identity theft, TransUnion responded on XX/XX/year> ( File Number : XXXX ) with their standard inadequate response : \" disputed item was verified as accurate. '' This response demonstrates * * no evidence of actual investigation * * and appears to be an automated response that violates multiple federal requirements. \n\n# # REQUEST FOR CFPB XXXX INTO TRANSUNION 'S PRACTICES * * I formally request that the CFPB launch an investigation into TransUnion 's dispute resolution practices * * for the following reasons : # # # XXXX. Pattern of Inadequate Investigations TransUnion has recently faced multiple lawsuits specifically for their failure to conduct proper due diligence in dispute investigations. Instead of meaningful investigation, they routinely return disputes as \" verified '' without conducting the reasonable investigation required under FCRA Section 611.\n\n# # # 2. Systematic FCRA Section 605B Violations TransUnion appears to have a corporate policy of ignoring identity theft documentation that meets all legal requirements under FCRA Section 605B. This systematic failure to block fraudulent information when provided with proper identity theft documentation violates federal law and harms countless consumers.\n\n# # # 3. Automation Over Investigation Evidence suggests TransUnion uses automated systems to process disputes rather than conducting the \" reasonable investigation '' required by law. This practice prioritizes cost savings over consumer protection and legal compliance.\n\n# # # 4. Industry-Wide Impact TransUnion 's practices affect millions of consumers nationwide. Their systematic failure to properly investigate disputes, particularly identity theft cases, creates a pattern of harm that requires regulatory intervention.\n\n# # SPECIFIC VIOLATIONS REQUIRING CFPB INVESTIGATION * * I request the CFPB investigate TransUnion 's violations of : * * 1. * * FCRA Section 611 * * - Systematic failure to conduct reasonable investigations 2. * * FCRA Section 605B * * - Refusal to block fraudulent information despite proper identity theft documentation 3. * * FCRA Section 623 * * - Failure to investigate disputed information with data furnishers 4. * * Regulation V ( 12 CFR Part 680 ) * * - Identity Theft Red Flag Rules violations 5. * * Consumer Financial Protection Act * * - Unfair, deceptive, and abusive practices # # EVIDENCE OF SYSTEMIC PROBLEMS # # # Recent Legal Actions TransUnion has faced significant legal challenges for their inadequate dispute resolution practices, indicating this is not an isolated incident but a systematic corporate practice that prioritizes efficiency over legal compliance and consumer rights.\n\n# # # Pattern Recognition My case appears to follow TransUnion 's standard operating procedure : - Receive comprehensive identity theft documentation - Conduct no meaningful investigation - Return automated \" verified as accurate '' response - Ignore legal requirements under FCRA Section 605B # # REQUESTED CFPB ACTIONS * * I respectfully request that the CFPB : * * # # # Immediate Actions 1. * * Launch a comprehensive investigation * * into TransUnion 's dispute resolution practices 2. * * Issue immediate enforcement action * * requiring TransUnion to properly investigate my identity theft dispute 3. * * Order immediate removal * * of the fraudulent account from my credit report 4. * * Mandate compliance * * with FCRA Section 605B requirements # # # Systemic Reforms 1. * * Conduct industry-wide examination * * of TransUnion 's dispute resolution procedures 2. * * Require procedural changes * * to ensure actual investigations occur 3. * * Implement oversight mechanisms * * to monitor TransUnion 's compliance 4. * * Assess monetary penalties * * for systematic FCRA violations # # # Consumer Protection Measures 1. * * Establish clear standards * * for identity theft dispute investigations 2. * * Require transparency * * in dispute resolution processes 3. * * Mandate consumer notification * * when investigations are inadequate 4. * * Create accountability measures * * for credit reporting agencies # # LEGAL AUTHORITY FOR CFPB INVESTIGATION This investigation request is made under : - * * Consumer Financial Protection Act * * ( 12 U.S.C. 5481 et seq. ) - * * Fair Credit Reporting Act * * ( 15 U.S.C. 1681 et seq. ) - * * CFPB 's supervisory authority * * over credit reporting agencies- * * Regulation V * * ( 12 CFR Part 680 ) # # URGENCY OF REGULATORY ACTION TransUnion 's systematic failure to comply with federal consumer protection laws creates ongoing harm to consumers nationwide. Their pattern of inadequate investigations, particularly in identity theft cases, demonstrates a corporate culture that prioritizes cost reduction over legal compliance and consumer protection. \n\n* * The CFPB 's intervention is essential * * to : - Stop ongoing violations of consumer protection laws- Protect consumers from fraudulent credit reporting - Ensure credit reporting agencies fulfill their legal obligations - Maintain the integrity of the consumer credit reporting system # # INDIVIDUAL RELIEF REQUESTED While requesting broader CFPB investigation, I also seek immediate relief : XXXX. * * Permanent deletion * * of the fraudulent XXXX XXXX XXXX XXXX account pursuant to 31 U.S.C. 5118 2. * * Updated credit report * * reflecting removal of fraudulent information 3. * * Monetary damages * * for TransUnion 's negligent handling of my identity theft dispute 4. * * Assurance of compliance * * with future identity theft disputes # # CONCLUSION TransUnion 's systematic failure to conduct proper dispute investigations, despite receiving legally sufficient identity theft documentation, represents a clear pattern of FCRA violations that requires immediate CFPB investigation and enforcement action. Their corporate practice of returning automated \" verified '' responses without meaningful investigation violates federal law and harms consumers nationwide. \n\n* * I urge the CFPB to investigate TransUnion 's practices immediately * * and take appropriate enforcement action to ensure compliance with federal consumer protection laws. The integrity of the consumer credit reporting system depends on regulatory agencies holding credit reporting companies accountable for their legal obligations. \n\n-- - * * Signature : * * XXXX XXXX XXXX * * Date : * * XX/XX/year> * * REQUEST FOR EXPEDITED REVIEW : * * Given the systematic nature of these violations and their impact on consumers nationwide, I respectfully request expedited CFPB review and investigation of this matter. \n\n* * Attachments : * * - Copy of TransUnion Investigation Results ( File # XXXX ) - Copy of Identity Theft Police Report - Copy of FTC Identity Theft Affidavit - Supporting identification documents- Documentation of previous dispute attempts","date_sent_to_company":"2025-06-03T17:33:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90292","tags":null,"has_narrative":true,"complaint_id":"13879975","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-03T17:26:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This complaint <em>demonstrates</em> a clear <em>pattern</em> of FCRA <em>violations</em> that requires immediate regulatory intervention and enforcement action.\n\n# # NATURE OF COMPLAINT - SYSTEMIC FCRA <em>VIOLATIONS</em> # # # Individual Case Details I have repeatedly disputed a fraudulent <em>collection</em> account placed by XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # : [ redacted ], Original Amount : {$8900.00} ) that appears on my credit report as a result of identity theft."]},"sort":[21.940374,"13879975"]},{"_index":"complaint-public-v1","_id":"7517474","_score":21.805523,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by a collection agency : Credit International Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX , WA XXXX Alleged Debt File Number : XXXX Regarding an unsubstantiated and invalid debt claim from : XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX Incident # XXXX I did not receive a Validation Notice from the collection agency Section 809 ( Validation of debts ) of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written Validation Notice to consumers within 5 days of the initial communication about the debt. \n\nThe Validation Notice \" must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions ''. ( XXXX XXXX XXXX ) And A Validation Notice \" must include an end date for a XXXX-day period when you can dispute the debt ''. \n( XXXX XXXX XXXXXXXX ) The letter I received from the collection agency did not include a tear-off form. Witholding the method to dispute the debt is an abusive tactic in violation of the Fair Debt Collection Practices Act ( FDCPA ). The initial contact letter also did not include include an end date for the XXXXday debt dispute period. This is an unfair and deceptive tactic. \n\nDue to the collection agency 's failure to include all of the necessary components of a Validation Notice, I have not received a Validation Notice from them, in violation of Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). \n\nXXXX XXXX broke the law by sending an unsubstantiated claim to the collection agency. \n\nXXXX XXXX claims that I owe them penalties under ORS XXXX. They have never called the police on me, filed any civil or criminal charges against me, or obtained a judgment against me. \n\nORS 30.875 ( 7 ) states that \" Judgments, but not claims, arising under this section may be assigned. '' XXXX XXXX claims that I owe them money, but they do not have a judgment against me. Therefore, they are attempting to collect on an unsubstantiated claim, in violation of ORS 30.875 ( 7 ). \n\nThis statute unequivocally restricts the legal assignment of civil damages for shoplifting to judgments only. Collecting on unsubstantiated civil claims directly contravenes state law. Furthermore, any attempt to unlawfully collect an invalid debt constitutes an abusive practice expressly prohibited under the Fair Debt Collection Practices Act. \n\nXXXX XXXX is authorized by the State of Oregon by ORS 30.875 to fine customers based exclusively on the store employee 's opinions and without any reasonable suspicion even when the store has not lost any merchandise. XXXX XXXX cited this endorsement of their actions by the State of Oregon by sending me a copy of ORS 30.875. Their conduct shows knowledge of the law 's judgment requirement, but intentional violation of it anyway. \n\nThe collection agency is also acting unlawfully by accepting assignment of the invalid claim.\n\nORS 30.875 restricts assignment of shoplifting claims specifically to prevent exactly this type of situation - collections efforts without due process. XXXX 's actions violate the Oregon statute 's clear procedural requirements for shoplifting penalties. XXXX XXXX assigns these types of claims frequently to the collection agency. Therefore, the collection agency is also well aware of the illegitimacy of the claims. \n\nConsumer protection laws The store and collection agency 's actions constitute violations of consumer protection laws. The federal government and Oregon have consumer protection statutes that prohibit unfair, deceptive or unconscionable trade practices. These include debt collection activities. Attempting to collect on a shoplifting penalty claim that is invalid and unassignable under Oregon law is a false and misleading representation that qualifies as a deceptive practice under consumer protection statutes. The store and agency are aware of the law but chose to violate it anyway in their dealings with consumers. This demonstrates knowledge and intent. Transferring invalid claims with knowledge that they can not be legally assigned or collected misrepresents the status and enforceability of the debt. This is a deceptive practice. Having a consumer pay or try to settle an invalid claim also qualifies as an abusive/unconscionable practice under consumer protection laws. \n\nFair Debt Collection Practices Act In addition to consumer protection laws, the FDCPA ( Fair Debt Collection Practices Act ) also prohibits collection of shoplifting claims not reduced to judgment. Knowingly violating the Oregon shoplifting penalty law is reasonably seen as a deceptive and unfair trade practice violating consumer protection laws. The described conduct violates consumer protection laws prohibiting deceptive debt collection practices, in addition to the Oregon shoplifting penalty statute itself. \n\nScope of the problem It has come to my attention that XXXX XXXX may have systematically assigned collection rights on potentially hundreds of thousands of unsubstantiated civil claims over past years, and ostensibly continues such practices unchecked. Furthermore, Credit International Corporation, doing business as XXXX, appears to have regularly collected on millions of legally invalid debts without complying with mandatory consumer notification laws. \n\nRemedies Sought It is requested that XXXX XXXX face meaningful penalties for the demonstrable pattern of assigning collection rights on civil claims lacking proper legal judgment, in contravention of statute. \n\nAdditionally, substantial sanctions for Credit International Corporation, doing business as XXXX, are sought for apparent widespread noncompliance with Fair Debt Collection Practices Act provisions requiring the furnishing consumers a written Validation Notice within 5 days of the initial debt communication. \n\nFurther, penalties for XXXX are also requested regarding collection of any material number of past assignments of legally invalid debts they accepted as legitimate. \n\nThe State of Oregon and the federal government to begin enforcing the laws already in place that prohibit : Merchants from assigning legal debts absent judicial oversight Merchants illegally assigning debts absent substantiating documentation to collection agencies Collection agencies accepting the assignment of unsubstantiated debts Collection agencies initiating collection proceedures with a lack of mandatory consumer notification XXXX XXXX held accountable by reversing their illegal, unfair, deceptive, and abusive practice of sending their claim against me to XXXX. \n\nXXXX to send me a written Validation Notice as required by law. \n\nXXXX required to rescind the claim against me and return it to XXXX XXXX. \n\nTo remedy the grievance, XXXX XXXX should be compelled to cease and desist from assigning unsubstantiated claims. XXXX should be required to provide the legally mandated validation notice and cease collection efforts of illegally assigned debts. These measures would demonstrate good faith adherence to consumer protections under statute. \n\nPlease inform me of your planned actions in response to my complaint and provide regular progress updates. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX","date_sent_to_company":"2023-09-07T18:43:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"970XX","tags":null,"has_narrative":true,"complaint_id":"7517474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit International Corporation","date_received":"2023-09-07T18:32:17.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Knowingly <em>violating</em> the Oregon shoplifting penalty law is reasonably seen as a <em>deceptive</em> and unfair trade <em>practice</em> <em>violating</em> consumer protection laws. The described conduct <em>violates</em> consumer protection laws prohibiting <em>deceptive</em> debt <em>collection</em> <em>practices</em>, in addition to the Oregon shoplifting penalty statute itself."],"product":["Debt <em>collection</em>"]},"sort":[21.805523,"7517474"]},{"_index":"complaint-public-v1","_id":"14872673","_score":21.62906,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>2025, at XXXX XXXX, I received an unauthorized text message from short code XXXX stating : XXXX XXXX XXXXXXXX XXXXDebt Collector : Find a debt payment plan that works for you. Visit PRApay.com. Txt STOP to stop txts to this #. CALIFORNIA : License Number XXXX. \n\nI have never provided any form of consent to XXXX XXXX XXXX for text message communications. I did not sign any written agreement, never gave verbal consent during a phone call, never completed any electronic opt-in process, and did not provide my phone number directly to the company. This violates the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ), as the use of short code 71914 indicates the use of an automated telephone dialing system ( ATDS ) to contact my cellular phone without express consent.\n\nAdditionally, this contact is harassing and unauthorized under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692c ( a ) ( 1 ), which prohibit communications that are not expressly consented to and occur in a manner that is unfair, deceptive, or abusive. \n\nXXXX XXXX XXXX is also furnishing multiple collection accounts to all three major credit reporting agencies during the period of unlawful collection activity. Specifically, they are reporting a Synchrony Bank account for {$3300.00} and a XXXX  XXXX account for {$730.00} to XXXX XXXX  and XXXX. Because these accounts are being reported during a period in which the company is violating federal collection laws, their reporting can not be considered accurate, complete, or legally authorized. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information.\n\nThis demonstrates a systematic and willful pattern of noncompliance with federal law. As of XXXX XXXX, 2025, XXXX XXXX has continued to add new tradelines to my credit reports while violating consumer protection statutes, showing reckless disregard for federal compliance obligations.","date_sent_to_company":"2025-07-26T03:00:01.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"89131","tags":null,"has_narrative":true,"complaint_id":"14872673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-07-26T02:59:38.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Because these accounts are being reported during a period in which the company is <em>violating</em> federal <em>collection</em> laws, their reporting can not be considered accurate, complete, or legally authorized. This <em>violates</em> the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information.\n\nThis <em>demonstrates</em> a <em>systematic</em> and willful <em>pattern</em> of noncompliance with federal law."],"product":["Debt <em>collection</em>"]},"sort":[21.62906,"14872673"]},{"_index":"complaint-public-v1","_id":"15466996","_score":21.444088,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU DATE : XX/XX/year> COMPLAINT TYPE : Debt Collection - Third-Party Vendor Mismanagement COMPANY : Capital One Bank XXXX N.A.\n\nISSUE : Systematic FDCPA Violations, Fraudulent Service of Process, Attorney-Process Server Conspiracy CONSUMER INFORMATION Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Account/Reference Number : Case No. XXXX DETAILED COMPLAINT I. EXECUTIVE SUMMARY I am filing this complaint against Capital One Bank, N.A. for their complete failure to supervise their attack dog debt collection vendor, XXXX XXXX XXXX law firm. Capital One hired these attorneys as their bulldogs to collect debts, which I understand is business, but they are playing extremely dirty with documented fraud that has cost me work, sleep, and thousands in potential damages. I demand Capital One either call off their fraudulent vendors or face harsh financial punishment and pay me substantial restitution for the damages they have caused through their willful vendor mismanagement. \n\nXXXX. CAPITAL ONE 'S ATTACK DOG STRATEGY GONE CRIMINAL A. Capital One 's XXXX XXXX XXXX XXXX Capital One deliberately selected XXXX XXXX XXXX as their collection bulldogs because of their reputation for aggressive tactics. However, Capital One crossed the line from aggressive collection into criminal fraud by failing to supervise attorneys XXXX XXXX and XXXX XXXX, who orchestrated a systematic fraud upon the court system. \n\nXXXX Documented XXXX XXXX XXXX XXXX XXXX, acting as Capital One 's exclusive agent, committed documented perjury by directing their process server XXXX XXXX to file XXXX contradictory sworn affidavits claiming I was personally served at XXXX different locations at the exact same time on XX/XX/year> at XXXX PM : XXXX. First Affidavit : Service at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Second Affidavit : Service at XXXX XXXX  XXXX XXXX, XXXX, CA - XXXX miles away This physical impossibility proves deliberate perjury, yet Capital One 's attorneys KNOWINGLY filed both documents with the court and continued pursuing a {$24000.00} default judgment based on this fraud. \n\nXXXX. CAPITAL ONE 'S WILLFUL BLINDNESS TO VENDOR FRAUD A. Pattern of Vendor Abuse Capital One has systematically chosen collection law firms that engage in fraudulent practices because it increases their collection rates. Evidence shows : XXXX. Financial incentives for aggressive collection over legal compliance XXXX. Inadequate quality control systems to prevent perjured service affidavits XXXX. Willful ignorance of obvious red flags and pattern misconduct XXXX. No consumer complaint monitoring systems for vendor oversight XXXX FDCPA Violations Through Vendor Mismanagement Capital One violated the Fair Debt Collection Practices Act through their third-party vendors : XXXX. 15 U.S.C. 1692e - False representations through perjured court documents 2. 15 U.S.C. 1692f - Unfair practices by pursuing fraudulent lawsuits 3. 15 U.S.C. 1692c ( b ) - Improper third-party communications to process servers 4. 15 U.S.C. 1692e ( 2 ) ( A ) - Falsely representing legal status through invalid service IV. SUBSTANTIAL FINANCIAL AND PERSONAL HARM A. Lost Work and Income The fraudulent lawsuit and threat of {$24000.00} default judgment has caused me to : - Miss significant work time dealing with court appearances and legal defense - Lose sleep and suffer anxiety over the false legal proceedings - Incur legal research and defense costs to fight the fraudulent claims - Face potential wage garnishment and asset XXXX based on perjured evidence B. Credit and Reputation Damage Capital One 's fraudulent collection efforts have : - Threatened my credit rating through false legal proceedings - Created public court records based on perjured service documents - Caused family stress and embarrassment from process server harassment - Violated my privacy rights through unnecessary third-party involvement V. CAPITAL ONE 'S REGULATORY VIOLATIONS A. Bank XXXXupervision Failures As a federally regulated national bank, Capital One violated OCC guidance on third-party risk management : 1. OCC Bulletin 2013-29 requiring adequate vendor oversight 2. Failure to implement quality control systems for collection vendors 3. Inadequate due diligence on vendor practices and procedures 4. No monitoring systems to detect or prevent vendor misconduct B. Consumer Protection Law Violations Capital One 's vendor mismanagement violates multiple federal consumer protection laws : 1. Unfair and Deceptive Acts or Practices under Section 5 of the FTC Act 2. CFPB regulations on debt collection practices 3. Due process violations through fraudulent legal proceedings XXXX. Banking law requirements for fair treatment of consumers VI. THE CORRUPTED ATTORNEY-PROCESS SERVER RELATIONSHIP A. Financial Incentives for Fraud Capital One 's payment structure creates incentives for fraud : - Process servers paid per successful service, encouraging fabricated affidavits - Law firms rewarded for high default judgment rates regardless of legality - No penalties for vendors who engage in perjury or court fraud - Cost-cutting that prioritizes results over compliance with law B. Systematic Cover-Up When confronted with evidence of the impossible dual service, Capital One 's attorneys : XXXX. Refused to acknowledge the contradictory sworn documents XXXX. Continued pursuing default judgment despite proof of perjury XXXX. Filed court pleadings that deliberately ignored evidence of fraud XXXX. Attempted to obtain default judgment worth {$24000.00} based on false evidence VII. DEMAND FOR IMMEDIATE RELIEF AND RESTITUTION A. Immediate Actions Required I demand that the CFPB order Capital One to : XXXX. Immediately terminate their relationship with XXXX XXXX XXXX law firm XXXX. Cease all collection activities in my case based on fraudulent service XXXX. Withdraw all court filings based on perjured service affidavits XXXX. Correct any negative credit reporting related to this fraudulent lawsuit B. Financial Restitution Demanded I demand Capital One pay me substantial monetary restitution including : XXXX. {$10000.00} for lost work time and income due to fraudulent legal proceedings XXXX. {$15000.00} for emotional distress, anxiety, and sleep loss caused by their vendor fraud XXXX. {$5000.00} in punitive damages for willful vendor mismanagement XXXX. All legal defense costs incurred fighting their fraudulent collection efforts XXXX Credit monitoring services for damage to my financial reputation XXXX. REGULATORY ENFORCEMENT DEMANDED A. Immediate Investigation I demand the CFPB conduct an immediate investigation into : XXXX. Capital One 's systematic vendor mismanagement practices XXXX. Pattern of fraudulent service of process by their collection law firms XXXX. Capital One 's willful blindness to vendor perjury and court fraud XXXX. Inadequate consumer complaint systems and vendor oversight B. Enforcement Actions Required The CFPB must impose harsh penalties on Capital One including : XXXX. Consent order requiring comprehensive vendor oversight reforms XXXX. Civil money penalties of millions of dollars for systematic violations XXXX. Third-party monitor for all debt collection vendor relationships XXXX. Victim restitution fund for all consumers harmed by fraudulent collection practices XXXX. CRIMINAL REFERRAL DEMANDED I demand the CFPB refer this matter to federal prosecutors for criminal investigation : XXXX. Mail fraud charges for filing false documents with courts XXXX. Wire fraud charges for electronic submission of perjured affidavits XXXX. Conspiracy charges for the attorney-process server fraud scheme XXXX. XXXX charges for pattern of fraudulent debt collection activities X. CAPITAL ONE MUST CHOOSE : REFORM OR FACE DESTRUCTION Capital One has a choice : immediately call off their fraudulent attack dog vendors and pay substantial restitution to victims, or face the complete destruction of their debt collection operations through federal enforcement action. \n\nTheir systematic use of XXXX XXXX XXXX and other fraud-based collection firms demonstrates a corporate culture that prioritizes profits over legal compliance. The documented perjury in my case is undoubtedly part of a much larger pattern affecting thousands of consumers. \n\nI demand immediate action to stop Capital One 's use of fraudulent vendors and substantial financial compensation for the harm they have caused me through their willful vendor mismanagement. \n\nXXXX. CONCLUSION Capital One 's deliberate choice to use XXXX XXXX XXXX as their collection bulldogs has resulted in documented criminal fraud that has cost me substantial work time, sleep, and financial stress. Their willful failure to supervise these vendors while they commit perjury and defraud courts represents exactly the type of predatory banking practice that federal consumer protection laws are designed to prevent and punish. \n\nI demand immediate cessation of all fraudulent collection activities, substantial monetary restitution for damages caused, and harsh regulatory penalties to ensure Capital One never again uses fraudulent vendors to abuse consumers through the court system. \n\nThe evidence of impossible dual service is undeniable proof of systematic fraud that requires immediate federal intervention and substantial financial penalties against Capital One. \n\nRespectfully submitted, XXXX XXXX XX/XX/year> 2025","date_sent_to_company":"2025-08-22T22:58:06.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"92882","tags":null,"has_narrative":true,"complaint_id":"15466996","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-22T22:51:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Consumer Protection Law <em>Violations</em> Capital One 's vendor mismanagement <em>violates</em> multiple federal consumer protection laws : 1. Unfair and <em>Deceptive</em> Acts or <em>Practices</em> under Section 5 of the FTC Act 2. CFPB regulations on debt <em>collection</em> <em>practices</em> 3. Due process <em>violations</em> through fraudulent legal proceedings XXXX. Banking law requirements for fair treatment of consumers VI. THE CORRUPTED ATTORNEY-PROCESS SERVER RELATIONSHIP A."],"product":["Debt <em>collection</em>"]},"sort":[21.444088,"15466996"]},{"_index":"complaint-public-v1","_id":"19428194","_score":21.048786,"_source":{"product":"Debt collection","complaint_what_happened":"Re : CFPB Complaint # XXXX Follow-Up Response to Company 's Denial To Whom It May Concern : I am writing in response to the CFPB 's notice that Mutual Management Services, LLC has stated \" the complaint does not belong to them. '' This response is contradictory, misleading, and demonstrates exactly the type of deceptive practice I am complaining about. \n\nEVIDENCE THAT CONTRADICTS THE COMPANY 'S CLAIM : As shown in the attached credit report screenshots dated XX/XX/XXXX : Mutual Management Services, LLC is actively reporting this debt to TransUnion Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Current Balance : {$18000.00} ( as of XX/XX/XXXX ) Creditor Information clearly states : \" MUTUAL MANAGEMENT SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX '' Status : Collection/Charge-Off The account shows \" Account information disputed by consumer, meets FCRA requirements '' This is the SAME company that is now telling the CFPB this complaint \" does not belong to them. '' THE CONTRADICTION IS CLEAR : If this complaint does not belong to them, then : Why are they reporting this debt to my credit report? \nWhy does the credit report show their company name, address, and phone number? \nWhy have they been updating the balance ( from {$9900.00} original to {$18000.00} current )? \nWhy did they respond to my previous CFPB complaint # XXXX defending the debt as \" verified and accurate ''? \n\nA company can not simultaneously claim they are not responsible for addressing my complaint while actively engaging in collection activity by reporting the debt to credit bureaus and increasing the reported balance. \n\nPATTERN OF DECEPTIVE CONDUCT : This is not an isolated incident. My complaint history shows : 1. Complaint # XXXX ( XX/XX/XXXX ) - Closed, \" XXXX provided '' 2. Complaint # XXXX ( XX/XX/XXXX ) - Closed, \" XXXX provided '' 3. Complaint # XXXX ( XX/XX/XXXX ) - Current complaint The company has a pattern of providing inadequate responses without addressing the substance of FDCPA violations, including : Failure to provide debt validation despite certified mail requests Continuing collection activity ( credit reporting ) without validation Repeatedly changing the reported balance without explanation Now, falsely claiming the complaint does not belong to them REQUESTED ACTION : I respectfully request that the CFPB : 1. Reject the company 's attempt to avoid accountability by claiming this complaint does not belong to them 2. Require Mutual Management Services, LLC to properly respond to the substance of the complaint 3. Investigate why the company is denying responsibility to the CFPB while actively reporting the debt to credit bureaus 4. Consider this pattern of inadequate responses and denials as evidence of systematic non-compliance with federal consumer protection laws 5. Take enforcement action if the company continues to refuse proper debt validation while engaging in collection activity I have attached screenshots from my XXXX  credit report clearly showing that Mutual Management Services, LLC is the company reporting this debt. Their denial to the CFPB while continuing to report to credit bureaus appears to be an attempt to avoid scrutiny of their FDCPA violations. \n\nThe CFPB 's mission is to protect consumers from these exact types of deceptive practices. I respectfully ask that you hold this company accountable rather than allowing them to evade responsibility through contradictory denials. \n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Attachments : - XXXX  Credit Report Screenshots ( XX/XX/XXXX ) showing XXXX XXXX XXXX actively reporting debt - Previous CFPB XXXX","date_sent_to_company":"2026-03-17T12:57:53.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"967XX","tags":null,"has_narrative":true,"complaint_id":"19428194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mutual Management Services LLC","date_received":"2026-02-11T19:45:42.000Z","state":"HI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Re : CFPB Complaint # XXXX Follow-Up Response to Company 's Denial To Whom It May Concern : I am writing in response to the CFPB 's notice that Mutual Management Services, LLC has stated \" the complaint does not belong to them. '' This response is contradictory, misleading, and <em>demonstrates</em> exactly the type of <em>deceptive</em> <em>practice</em> I am complaining about."],"product":["Debt <em>collection</em>"]},"sort":[21.048786,"19428194"]},{"_index":"complaint-public-v1","_id":"14872755","_score":20.954687,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, at XXXXXXXX XXXX I received an unauthorized text message from short code XXXX stating : Portfolio Recovery Associates, LLC-Debt Collector : Find a debt payment plan that works for you. Visit PRApay.com. Txt STOP to stop txts to this #. CALIFORNIA : License Number XXXX. \n\nI have never provided any form of consent to Portfolio Recovery Associates for text message communications. I did not sign any written agreement, never gave verbal consent during a phone call, never completed any electronic opt-in process, and did not provide my phone number directly to the company. This violates the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ), as the use of short code 71914 indicates the use of an automated telephone dialing system ( ATDS ) to contact my cellular phone without express consent.\n\nAdditionally, this contact is harassing and unauthorized under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692c ( a ) ( 1 ), which prohibit communications that are not expressly consented to and occur in a manner that is unfair, deceptive, or abusive.\n\nPortfolio Recovery Associates is also furnishing multiple collection accounts to all three major credit reporting agencies during the period of unlawful collection activity. Specifically, they are reporting a XXXXXXXX XXXX account for {$3300.00} and a XXXX XXXXXXXX account for {$730.00} to XXXX XXXX XXXX XXXX  Because these accounts are being reported during a period in which the company is violating federal collection laws, their reporting can not be considered accurate, complete, or legally authorized. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information. \n\nThis demonstrates a systematic and willful pattern of noncompliance with federal law. As of XX/XX/year>, Portfolio Recovery has continued to add new tradelines to my credit reports while violating consumer protection statutes, showing reckless disregard for federal compliance obligations.","date_sent_to_company":"2025-07-26T03:00:01.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"89131","tags":null,"has_narrative":true,"complaint_id":"14872755","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-07-26T02:17:15.000Z","state":"NV","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["This <em>violates</em> the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information. \n\nThis <em>demonstrates</em> a <em>systematic</em> and willful <em>pattern</em> of noncompliance with federal law. As of XX/XX/year>, Portfolio Recovery has continued to add new tradelines to my credit reports while <em>violating</em> consumer protection statutes, showing reckless disregard for federal compliance obligations."],"product":["Debt <em>collection</em>"]},"sort":[20.954687,"14872755"]},{"_index":"complaint-public-v1","_id":"14447219","_score":20.185331,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargos Inadequate Resolution Attempts and Continued Legal Violations TO : Consumer Financial Protection XXXX : [ XXXX DATE XXXX XX/XX/XXXX RE : Wells Fargos Inadequate Response and Continued Federal Housing Law Violations Dear CFPB Representative : I am writing in response to Wells Fargos recent submissions dated XX/XX/XXXX ( two communications from XXXX ) and XX/XX/XXXX ( one from XXXX ) XXXX along with multiple voice communications from XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX. These communications demonstrate Wells Fargos continued pattern of inadequate responses and failure to address documented federal housing law violations.\n\nWells Fargos Evasive Communication Pattern On XX/XX/XXXX and XXXX, XXXX, I answered calls from XXXX XXXX, both of which were immediately disconnected. When XXXX called back each time, she claimed Wells Fargo had reached a resolution but provided no written documentation of any proposed solution. This pattern of vague, undocumented communications represents a continuation of Wells Fargos eight-year history of providing conflicting information to our family. \nDespite daily attempts to reach XXXX XXXX for clarification, she has been unavailable, leaving us without any concrete information about Wells Fargos alleged resolution.\n\nWells Fargos Contradictory and Legally Insufficient Responses 1. Document Destruction and Selective Record Keeping XXXX from Wells Fargos executive team stated they can delete material beyond seven years, yet Wells Fargo has provided limited documentation dating back to XXXX. This selective retention of records violates federal record-keeping requirements under RESPA and other consumer protection laws. Most critically, the XXXX Form 1099-C showing {$28000.00} in cancelled debt remains unattainable according to XXXX, despite this being a federal tax document required by law. \n2. Mediation Stipulations and Inadequate Compensation XXXX acknowledged that Wells Fargos mediation process closes cases once payment is accepted, but failed to disclose the stipulations for receiving payment. This lack of transparency violates basic consumer protection standards. \nThe total compensation received through this process amounts to $ XXXX amount that does not even cover the utilities, lawn care, water, and homeowner association fees for the single year following our move on XX/XX/XXXX. This inadequate compensation demonstrates Wells Fargos failure to acknowledge the severity of their violations. \n3. False Claims Regarding Title Issues XXXX claims a letter regarding title issues was sent in XX/XX/XXXX, allegedly making title resolution our responsibility. This claim is demonstrably false for the following reasons : We never received any such letter while residing at our XXXX XXXX address Our conversation with XXXX ( home preservation specialist ) the day before our move confirmed everything was final and approved We provided our new address to XXXX specifically for relocation payment delivery A professional title search conducted in North Carolina shows no title issues existed We successfully cleared subordination of the second lien holder ( SLS ) in the amount of {$80000.00} before the move was approved Wells Fargos question about when we became Wells Fargos employer is particularly troubling. Once consent is signed for a deed in lieu of foreclosure, title documentation should be maintained by professional real estate executives, not homeowners. Wells Fargos failure to properly handle title documentation represents professional negligence on their part. \nHAFA Program Violations Continue Wells Fargo owes {$10000.00} in HAFA relocation assistance that is now nine years overdue. We have documented proof that : The house was left in clean condition All utility bills were paid ( power, water, lawn care ) both during occupancy and for the year following our move We complied with all deed in lieu requirements Wells Fargo took immediate possession ( locks changed by XX/XX/XXXX ) This failure to honor HAFA program commitments constitutes a violation of federal housing assistance programs. \nLoan Modification Abuses and Excessive Fees Pattern of Denial and Representative Turnover Wells Fargo maintained us in foreclosure for the entire year of XXXX while denying multiple loan modifications. Within XXXX calendar year, we were assigned over 25 different representatives, each providing conflicting information and requiring re-submission of previously provided documentation. This systematic approach appears designed to frustrate borrowers and prevent successful modifications.\n\nExcessive and Predatory Fee Structure The excessive late fees, attorney fees, and corporate advancement fees accumulated over the loan term equaled the amount of our yearly mortgage payments. Specifically : One year of attorney fees, late fees, and corporate advancement fees exceeded {$30000.00} Monthly house inspection fees were applied despite no evidence of actual inspections These fees created a situation where bringing the account current became mathematically impossible This fee structure constitutes predatory lending practices designed to trap borrowers in foreclosure rather than facilitate loan resolution.\n\nLegal Violations Requiring Regulatory Action Wells Fargos conduct demonstrates multiple federal law violations : 1. RESPA Violations : Failure to maintain proper records and provide required disclosures 2. HAFA Program Violations : Failure to provide promised relocation assistance 3. Truth in Lending Act Violations : Inadequate disclosure of fees and charges 4. Fair Debt Collection Practices Act Violations : Excessive and improperly applied fees 5. Consumer Financial Protection Act Violations : Unfair, deceptive, and abusive practices Wells Fargos Admission of Wrongdoing Wells Fargos own actions constitute admission of wrongdoing : Payment of {$3500.00} in compensation ( XXXX admitted they only pay when errors exist ) Acknowledgment of missing documents requiring re-signing of deed in lieu papers Multiple apologies for their handling of our case Inability to provide required documentation despite federal record-keeping requirements Requested CFPB Action Given Wells Fargos continued inadequate responses and documented federal law violations, I formally request : 1. Immediate enforcement action requiring Wells Fargo to pay the outstanding {$10000.00} HAFA relocation assistance 2. Full audit of Wells Fargos loan modification and foreclosure practices during XXXX 3. Regulatory sanctions for Wells Fargos systematic document destruction and record-keeping violations 4. Consumer restitution commensurate with the eight years of predatory lending practices and excessive fees 5. Pattern investigation into Wells Fargos HAFA program compliance affecting other consumers Personal Impact and Commitment to Justice The emotional and financial exhaustion from this process has been overwhelming. I have dedicated over 25 hours per week to researching and responding to Wells Fargos conflicting materials and statements. The guilt and trauma from this experience continue to affect my family daily.\n\nHowever, I remain committed to seeking justice not only for my family but for the millions of other consumers affected by Wells Fargos predatory practices. The patterns documented in our case mirror those in multiple class action lawsuits against Wells Fargo, indicating systemic issues requiring regulatory intervention.\n\nConclusion Wells Fargos executives consistently declare no wrong accounting or misleading or illegal information was given on their behalf, despite overwhelming evidence to the contrary. This institutional denial of responsibility, combined with their documented pattern of predatory lending practices, represents exactly the type of consumer harm the CFPB was created to address.\n\nThe {$3500.00} compensation offered is not charityit is an inadequate acknowledgment of serious federal law violations that require appropriate regulatory response and full consumer restitution.\n\nI am prepared to pursue all available legal remedies to ensure Wells Fargo is held accountable for their violations of federal housing laws and consumer protection regulations. This case represents a clear pattern of institutional misconduct that requires immediate and decisive CFPB enforcement action.\n\nThank you for your continued attention to this matter and your commitment to protecting consumers from predatory lending practices. \n\nSincerely, XXXX","date_sent_to_company":"2025-07-04T00:29:17.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"14447219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-04T00:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"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":["Legal <em>Violations</em> Requiring Regulatory Action Wells Fargos conduct <em>demonstrates</em> multiple federal law <em>violations</em> : 1. RESPA <em>Violations</em> : Failure to maintain proper records and provide required disclosures 2. HAFA Program <em>Violations</em> : Failure to provide promised relocation assistance 3. Truth in Lending Act <em>Violations</em> : Inadequate disclosure of fees and charges 4. Fair Debt <em>Collection</em> <em>Practices</em> Act <em>Violations</em> : Excessive and improperly applied fees 5."]},"sort":[20.185331,"14447219"]},{"_index":"complaint-public-v1","_id":"15533676","_score":19.049812,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. I have been disputing numerous fraudulent and negative reporting accounts through the credit bureaus for months now with no real correspondence or correction from them aimed at resolving these negative reporting accounts. I am submitting this formal complaint against XXXX, Equifax, and XXXX. These credit reporting agencies have engaged in a deliberate and ongoing pattern of willful non-compliance with federal law, directly harming my rights as a consumer. Since XXXX, I have sent numerous dispute letters all of which are attached to this complaint demanding proper verification and validation of alleged debts. The credit bureaus have failed to provide the legally mandated documentation, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. \n\n\nThe following accounts have been grossly mishandled, requiring immediate deletion from my credit profile for violating numerous federal laws as well as my rights as a consumer by failing to conduct a reasonable investigation to verify each account thoroughly and accurately : XXXX XXXX XXXX- Date of Reinser5on : XX/XX/XXXX XXXX XXXX XXXX Date of Reinser5on : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Reinserted on : XX/XX/XXXX XXXX XXXX XXXX XXXX- Date of Reinserted on : XX/XX/XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) $ XXXXStatus : Closed XX/XX/XXXX Failure to provide original contractual proof : I specifically demanded a copy of the original purchase agreement between the original creditor and myself, signed by all parties. This is a fundamental requirement under the FDCPA to establish that an alleged debt is valid and collectible. Despite repeated requests, this documentation has never been provided. \n\nFailure to Provide Verification Methodology : I requested phone transcripts and records of all communications the bureaus relied upon in verifying the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a full description of the procedures used in verification. These requests have been blatantly ignored. \n\nImproper Reinsertion of Accounts : Multiple accounts that were previously removed have been reinserted without proper notice or compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). Such reinsertion without disclosure is unlawful and demonstrates reckless disregard for consumer protections. \n\nFailure to Provide Complete Verification & Validation : Despite my lawful demands, the bureaus have failed to produce : the chain of title or ownership history of the alleged debt, the complete payment history, and all records substantiating the claim. Without these documents, the debt can not be verified under law. \n\nFailure to Provide IRS Form 1099-C : When a debt exceeding {$600.00} is canceled, a Form 1099-C must be issued under federal tax law. I requested this form in connection with the alleged accounts. To date, no such form has been provided, which further calls into question the legitimacy of the reporting. \n\nFailure to Respond Within Statutory Timeframes : The FCRA grants credit reporting agencies 30 days to respond to a consumer dispute. Despite the volume of letters sent since XXXX, the bureaus have repeatedly failed to respond within the statutory timeframe. \n\nViolation of 15-Day Investigation Requirement : Federal law mandates that negligent or disputed accounts must be investigated and corrected within 15 days of receipt of a dispute notice. The bureaus have neither deleted the fraudulent accounts nor provided verifying documentation within this timeframe, further compounding their violations. \n\nIgnored FTC Reports : Numerous complaints have also been filed with the Federal Trade Commission ( FTC ). Despite these reports, the fraudulent accounts remain on file. This failure to act in light of federal complaints is a direct violation of U.S. Code obligations governing consumer reporting agencies. \n\nPattern of Deceptive Stall Tactics : In response to prior complaints, the credit bureaus have not provided the verification and documentation required by law. Instead, they issue only generic dispute instructions, which I had already followed. This constitutes a deliberate stall tactic to delay correcting the negative accounts at issue. Such evasive conduct is a well-documented deceptive practice for which the bureaus have been repeatedly sued. \n\nPattern of Willful Negligence : The conduct of XXXX, XXXX, and Equifax is not mere oversight ; it is a clear, systematic, and willful pattern of negligence and avoidance of statutory responsibilities. By refusing to investigate properly, ignoring dispute deadlines, and failing to provide verification, these bureaus are acting in bad faith and in violation of the law.","date_sent_to_company":"2025-08-26T18:01:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"15533676","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-26T15:57:50.000Z","state":"NJ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Such evasive conduct is a well-documented <em>deceptive</em> <em>practice</em> for which the bureaus have been repeatedly sued. \n\n<em>Pattern</em> of Willful Negligence : The conduct of XXXX, XXXX, and Equifax is not mere oversight ; it is a clear, <em>systematic</em>, and willful <em>pattern</em> of negligence and avoidance of statutory responsibilities. By refusing to investigate properly, ignoring dispute deadlines, and failing to provide verification, these bureaus are acting in bad faith and in <em>violation</em> of the law."]},"sort":[19.049812,"15533676"]},{"_index":"complaint-public-v1","_id":"17965971","_score":18.543457,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"SYSTEMATIC PREDATORY LENDING SCHEME - TWO IDENTICAL VEHICLES VEHICLE 1 - HUNTINGTON BANK LOAN : VIN : XXXX Vehicle : 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified Retail Value : {$28000.00} Amount Financed by Huntington Bank : {$44000.00} Markup Over Fair Market Value : {$16000.00} ( 59 % above market ) APR : 9.89 % Term : 75 months Monthly Payment : {$800.00} Finance Charge : {$15000.00} Total of Payments : {$60000.00} Total Overpayment ( Principal + Interest ) : Approximately {$32000.00} VEHICLE 2 - XXXX XXXX XXXX XXXX : VIN : XXXX Vehicle : 2025 XXXX XXXX XXXX XXXX XXXX ( IDENTICAL MODEL ) XXXX XXXX Verified Retail Value : {$28000.00} Amount Financed by XXXX XXXX XXXX : {$46000.00} Markup Over Fair Market Value : {$17000.00} ( 63 % above market ) APR : 8.5 % Term : 78 months Total Overpayment : Approximately {$32000.00} COMBINED FRAUD TOTALS : Total Fair Market Value ( Both Vehicles ) : {$56000.00} Total Amount Financed ( Both Loans ) : {$91000.00} Total Fraudulent Markup : {$34000.00} Total Consumer Overpayment : {$64000.00} EVIDENCE OF SYSTEMATIC FRAUD : This is not an isolated incident but a coordinated predatory lending scheme involving XXXX XXXX XXXX ( dealer in XXXX XXXX, GA ) and two separate lenders who both approved grossly inflated vehicle valuations. \n\nPattern Evidence :- Same dealership sold both vehicles - Identical vehicle make, model, year, and trim level- Same verified retail value ( {$28000.00} each per XXXX XXXX ) - Nearly identical markup percentages ( 59 % and 63 % ) - Two different lenders both approved inflated collateral values- Both loans originated approximately same timeframe This pattern demonstrates systematic dealer fraud enabled by lender negligence or complicity. \n\nLEGAL VIOLATIONS : 1. Truth in Lending Act ( 15 USC 1631 ) Huntington Bank financed {$44000.00} on collateral worth {$28000.00}. When the financed amount is inflated 59 % above actual collateral value, all TILA disclosures are materially false and misleading. The finance charge and total of payments are calculated on fraudulent principal amount. \n\n2. Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ) Approving financing based on grossly inflated collateral value constitutes unfair and deceptive practice causing substantial consumer harm. The 59 % markup is unconscionable and violates Georgia consumer protection standards. \n\n3. Federal UDAP Standards ( 12 USC 5531, 5536 ) This practice causes substantial injury to consumers that is not reasonably avoidable and not outweighed by countervailing benefits. A 59 % markup on vehicle financing meets the definition of unfair practice under federal law. \n\nFORMAL LEGAL DEMAND SENT AND IGNORED : On XX/XX/year>, I sent Huntington Bank a certified legal demand letter via US Postal Service to : Huntington Bank XXXX. XXXX XXXX XXXX : XXXX The letter detailed the above violations and demanded : - Permanent deletion of tradeline from XXXX XXXX XXXX XXXX - Written confirmation of deletion - 30-day deadline to respond Huntington Bank received this certified letter ( USPS tracking confirmation available ) and has failed to respond for over 30 days, in violation of Fair Debt Collection Practices Act requirements to validate disputed debt. \n\n\nI have excellent credit management history as evidenced by my XXXX XXXX XXXX XXXX credit card account in good standing with {$3500.00} limit. The only negative items on my credit reports are these two fraudulent auto loans from XXXX XXXX XXXX. \n\nI stopped making payments in XX/XX/year> when I discovered the extent of the fraud through independent XXXX XXXX appraisals showing both vehicles worth {$28000.00} each. \n\n1. Immediate investigation of Huntington Bank 's auto lending practices, specifically approval of loans exceeding 150 % of collateral value 2. Investigation of relationship between Huntington Bank and XXXX XXXX XXXX to determine if kickback arrangements exist XXXX. Loan cancellation or reduction to actual fair market value ( {$28000.00} ) 4. Permanent deletion of all negative credit reporting related to this fraudulent loan 5. Refund of all payments made on the fraudulent markup portion ( {$16000.00} principal portion ) 6. Compensatory damages for credit harm, emotional distress, and time spent addressing this fraud 7. Investigation into whether other consumers have been victimized by similar scheme with this dealer and lender 8. Enforcement action against Huntington Bank for approving grossly inflated auto loans 9. Required implementation of collateral verification procedures to prevent future fraud I have filed identical complaints regarding the second vehicle with XXXX XXXX XXXX, and have filed complaints with the Federal Trade Commission and Georgia XXXX XXXX naming all parties involved in this scheme. \n\nThis is systematic predatory lending requiring immediate regulatory intervention to prevent continued consumer harm.","date_sent_to_company":"2025-11-28T20:58:42.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"60409","tags":null,"has_narrative":true,"complaint_id":"17965971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-11-28T20:03:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["<em>Pattern</em> Evidence :- Same dealership sold both vehicles - Identical vehicle make, model, year, and trim level- Same verified retail value ( {$28000.00} each per XXXX XXXX ) - Nearly identical markup percentages ( 59 % and 63 % ) - Two different lenders both approved inflated collateral values- Both loans originated approximately same timeframe This <em>pattern</em> <em>demonstrates</em> <em>systematic</em> dealer fraud enabled by lender negligence or complicity. \n\nLEGAL <em>VIOLATIONS</em> : 1."]},"sort":[18.543457,"17965971"]},{"_index":"complaint-public-v1","_id":"15534371","_score":17.903116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. I have been disputing numerous fraudulent and negative reporting accounts through the credit bureaus for months now with no real correspondence or correction from them aimed at resolving these negative reporting accounts. I am submitting this formal complaint against XXXX XXXX, and Experian. These credit reporting agencies have engaged in a deliberate and ongoing pattern of willful non-compliance with federal law, directly harming my rights as a consumer. Since XXXX, I have sent numerous dispute letters all of which are attached to this complaint demanding proper verification and validation of alleged debts. The credit bureaus have failed to provide the legally mandated documentation, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. \n\nThe following accounts have been grossly mishandled, requiring immediate deletion from my credit profile for violating numerous federal laws as well as my rights as a consumer by failing to conduct a reasonable investigation to verify each account thoroughly and accurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to provide original contractual proof : I specifically demanded a copy of the original purchase agreement between the original creditor and myself, signed by all parties. This is a fundamental requirement under the FDCPA to establish that an alleged debt is valid and collectible. Despite repeated requests, this documentation has never been provided. \n\nFailure to Provide Verification Methodology : I requested phone transcripts and records of all communications the bureaus relied upon in verifying the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a full description of the procedures used in verification. These requests have been blatantly ignored.\n\nImproper Reinsertion of Accounts : Multiple accounts that were previously removed have been reinserted without proper notice or compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). Such reinsertion without disclosure is unlawful and demonstrates reckless disregard for consumer protections. \n\nFailure to Provide Complete Verification & Validation : Despite my lawful demands, the bureaus have failed to produce : the chain of title or ownership history of the alleged debt, the complete payment history, and all records substantiating the claim. Without these documents, the debt can not be verified under law.\n\nFailure to Provide IRS Form 1099-C : When a debt exceeding {$600.00} is canceled, a Form 1099-C must be issued under federal tax law. I requested this form in connection with the alleged accounts. To date, no such form has been provided, which further calls into question the legitimacy of the reporting. \n\nFailure to Respond Within Statutory Timeframes : The FCRA grants credit reporting agencies 30 days to respond to a consumer dispute. Despite the volume of letters sent since XXXX, the bureaus have repeatedly failed to respond within the statutory timeframe. \n\nViolation of 15-Day Investigation Requirement : Federal law mandates that negligent or disputed accounts must be investigated and corrected within 15 days of receipt of a dispute notice. The bureaus have neither deleted the fraudulent accounts nor provided verifying documentation within this timeframe, further compounding their violations. \n\nIgnored FTC Reports : Numerous complaints have also been filed with the Federal Trade Commission ( FTC ). Despite these reports, the fraudulent accounts remain on file. This failure to act in light of federal complaints is a direct violation of U.S. Code obligations governing consumer reporting agencies.\n\nPattern of Deceptive Stall Tactics : In response to prior complaints, the credit bureaus have not provided the verification and documentation required by law. Instead, they issue only generic dispute instructions, which I had already followed. This constitutes a deliberate stall tactic to delay correcting the negative accounts at issue. Such evasive conduct is a well-documented deceptive practice for which the bureaus have been repeatedly sued. \n\nPattern of Willful Negligence : The conduct of Experian, XXXX XXXX XXXX  is not mere oversight ; it is a clear, systematic, and willful pattern of negligence and avoidance of statutory responsibilities. By refusing to investigate properly, ignoring dispute deadlines, and failing to provide verification, these bureaus are acting in bad faith and in violation of the law.","date_sent_to_company":"2025-08-26T15:38:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"15534371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-26T15:01:58.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Such evasive conduct is a well-documented <em>deceptive</em> <em>practice</em> for which the bureaus have been repeatedly sued. \n\n<em>Pattern</em> of Willful Negligence : The conduct of Experian, XXXX XXXX XXXX  is not mere oversight ; it is a clear, <em>systematic</em>, and willful <em>pattern</em> of negligence and avoidance of statutory responsibilities. By refusing to investigate properly, ignoring dispute deadlines, and failing to provide verification, these bureaus are acting in bad faith and in <em>violation</em> of the law."]},"sort":[17.903116,"15534371"]},{"_index":"complaint-public-v1","_id":"10208729","_score":17.188358,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"**Subject : Complaint Against Exeter Finance LLC for Unlawful Collection Practices, Extortion, Racketeering, and Violations of Federal Consumer Rights** To Whom It May Concern : I, XXXX XXXX, am filing this formal complaint against Exeter Finance LLC for severe violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Racketeer Influenced and Corrupt Organizations Act ( RICO ), and other applicable statutes. Despite my lawful rescission of the underlying agreement and formal billing error dispute, Exeter Finance continues to extort me for payments I am not legally obligated to make. \n\nAdditionally, XXXX XXXX XXXX who is my **Power of Attorney ( POA ) **, has taken further legal action by placing a **UCC-1 lien** on Exeter Finance LLC . This legal filing serves as a secured interest against Exeter Finance for their ongoing unlawful actions and their refusal to honor my legal rights as a consumer. Despite being notified of this lien, Exeter Finance persists in their efforts to harass and extort me, operating in blatant violation of multiple federal laws. \n\n# # # Factual Background : I lawfully executed a **Rescission of Signature** under my rights granted by the **Truth in Lending Act ( 15 U.S. Code 1635 ) **, effectively nullifying any agreement with Exeter Finance LLC . This rescission was properly communicated within the permissible time frame and should have terminated my obligations to the account. Additionally, I placed the account under **billing error status**, in accordance with **15 U.S. Code 1666** ( Fair Credit Billing Act ), due to erroneous charges and unauthorized terms. \n\nI previously filed a formal dispute against Exeter Finance LLC under **file # XXXX on XXXX XXXX, clearly outlining my concerns and legal position. Exeter XXXX, however, has refused to acknowledge or act upon my legitimate complaint. This deliberate refusal to address my dispute is further evidence of their unlawful conduct and their continued violation of federal consumer protection laws. \n\nTo ensure proper handling of this issue, I appointed XXXX XXXX as my **Power of Attorney** to act on my behalf in this case. Despite being notified of this legal appointment, Exeter Finance has ignored the authority of my legal representative and continued to contact me directly. In response to Exeter Finances continued unlawful conduct, my POA, XXXX XXXX, has placed a **UCC-1 lien** on Exeter Finance LLC, formalizing a secured interest due to their refusal to honor my legal rights and cease their harassment.\n\nIn addition, I issued a **Cease and Desist** letter under **15 U.S. Code 1692c** ( FDCPA ), yet Exeter Finance persists in violating my rights by unlawfully contacting me in an effort to enforce a rescinded contract. Their disregard for the UCC-1 lien, my POA, my previous dispute, and my cease-and-desist notice clearly demonstrates an intent to harass, extort, and operate outside the bounds of the law. \n\n# # # Legal Violations : 1. **Truth in Lending Act ( TILA ) Violations** : Under **15 U.S. Code 1635**, my rescission nullified Exeter Finances claim to enforce the contract. They were obligated to halt all collection efforts and return any payments made, yet they have blatantly disregarded these legal obligations. Their ongoing attempts to enforce payments after receiving my rescission notice are unlawful and in direct violation of TILA.\n\n2. **Fair Credit Billing Act ( FCBA ) Violations** : Under **15 U.S. Code 1666**, Exeter Finance is required to investigate and resolve billing errors in good faith. Instead, they have disregarded my dispute, failed to properly investigate, and continued to extort payments that are not due, directly violating the FCBA. Their failure to address my XXXX XXXX dispute under file # XXXX further exemplifies their lack of compliance with federal law. \n\n\n3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : Under **15 U.S. Code 1692c**, I legally demanded that Exeter Finance cease all further communications with me. Despite this, they have continued to contact me, ignoring both my cease-and-desist notice and the authority of my Power of Attorney. Their actions represent a clear violation of the FDCPAs prohibition against harassment and improper debt collection practices. \n\n4. **Racketeer Influenced and Corrupt Organizations Act ( RICO ) Violations** : Exeter Finances conduct amounts to a coordinated scheme of extortion, violating **18 U.S. Code 1962** . By ignoring the rescission, my previous dispute, and the UCC-1 lien placed by my POA, while continuing to harass and pressure me into unlawful payments, Exeter Finance has engaged in behavior characteristic of racketeering, using deceit and coercion as part of a broader enterprise to extract money from consumers unlawfully. \n\n\nXXXX. XXXX XXXX XXXX XXXX XXXX : Exeter Finances XXXX XXXX attempts, despite my legal actions and the XX/XX/XXXX complaint, amount to unfair, deceptive, or abusive acts or practices ( UDAAP ) as outlined in the XXXX*Consumer Financial Protection Act of XXXX**. These actions flagrantly disregard my rights as a consumer and demonstrate a reckless disregard for federal regulations. \n\n# # # Remedy Sought : I am requesting that the CFPB immediately intervene in this matter and hold Exeter Finance LLC accountable for their unlawful conduct, which includes : - An immediate cessation of all collection activities on this account. \n- Acknowledgment of the validity of my rescission and billing error dispute, absolving any further obligations. \n- Formal recognition of my **Power of Attorney, XXXX XXXX XXXX and acknowledgment of the **UCC-1 lien** placed against Exeter Finance LLC, ensuring that Exeter Finance ceases all direct contact with me and communicates solely through my appointed representative. \n- A formal investigation into Exeter Finances failure to address my prior dispute filed under **file # XXXX. \n- The imposition of sanctions and penalties on Exeter Finance for its continued violations of TILA, FDCPA, FCBA, and RICO, as well as its harassment and extortionate practices.\n\n- Compensation for the emotional distress, financial harm, and damages caused by their unlawful and predatory collection tactics. \n\nExeter Finance LLCs pattern of ignoring consumer disputes, as evidenced by their refusal to address my prior complaint and legal notices, and their continued extortion attempts demonstrate a systematic violation of federal laws intended to protect consumers. Their refusal to recognize my rescission, billing error dispute, Power of Attorney, and the **UCC-1 lien** filed against them only further exemplifies their blatant disregard for the law.\n\nAs a consumer, I am invoking my rights under federal statutes and requesting that the CFPB take decisive action to stop Exeter Finance LLC from continuing their illegal and unethical behavior","date_sent_to_company":"2024-09-23T14:26:21.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"10208729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2024-09-23T14:21:43.000Z","state":"TN","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Exeter Finance LLCs <em>pattern</em> of ignoring consumer disputes, as evidenced by their refusal to address my prior complaint and legal notices, and their continued extortion attempts <em>demonstrate</em> a <em>systematic</em> <em>violation</em> of federal laws intended to protect consumers. Their refusal to recognize my rescission, billing error dispute, Power of Attorney, and the **UCC-1 lien** filed against them only further exemplifies their blatant disregard for the law."]},"sort":[17.188358,"10208729"]},{"_index":"complaint-public-v1","_id":"16943712","_score":17.073505,"_source":{"product":"Debt collection","complaint_what_happened":"Illegal Re-Aging and XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX Equifax I am filing this complaint against XXXX XXXX Co, XXXX XXXX XXXX XXXX, and Equifax Information Services LLC for fraudulent and willful re-reporting of a previously deleted medical collection account, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). \n\nOn XX/XX/XXXX, a new collection account suddenly appeared on my Equifax credit report, reported by XXXX XXXX Co and listing XXXX XXXX XXXX XXXX as the original creditor. The reported balance is approximately {$910.00}. This tradeline is a duplicate and re-aged version of a prior account that was previously furnished by XXXX XXXX XXXX ( XXXX ) which I had disputed multiple times and had successfully deleted. \n\nThis new entry is a manipulated re-insertion of the same debt, disguised under a new original creditor name and new date opened. The goal is to make it appear as a brand-new debt, even though it is the same account previously challenged. No written notice, validation, or documentation was ever sent to me by XXXX XXXX Co or XXXX XXXX, in violation of FDCPA 809 ( a ). \n\nThis act of re-aging and data recycling is a serious federal offense that misleads creditors, suppresses my credit standing, and causes direct financial harm. This is not a reporting error ; it is a willful and deceptive act intended to bypass prior investigations and dispute outcomes. \n\nViolations of Federal Law FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information known or believed to be inaccurate. By re-aging an account that was already deleted, XXXX XXXX Co knowingly furnished false information. \n\nFCRA XXXX ( a ) ( XXXX ) ( A ) : Requires furnishers to report the correct Date of First Delinquency. Listing a new open date of XX/XX/XXXX falsifies the timeline and illegally extends reporting beyond the seven-year limit. \n\nFCRA 607 ( b ) : Equifax failed its duty to ensure maximum possible accuracy by accepting a new, unverifiable tradeline from a furnisher already involved in disputes.\n\nFCRA 611 ( a ) ( 5 ) : A deleted account can not be reinserted unless the furnisher certifies its accuracy and the bureau notifies the consumer within five days. I received no such notice.\n\nFDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt. This account was already closed and disputed.\n\nFDCPA 809 ( a ) : The collector must send written validation within five days of first communication. No notice or validation was ever received. \n\nCFPB XXXX XXXX XXXX XXXX ( XXXX ) : Prohibits reporting medical debts without full validation or that are less than 12 months old. \n\nThis behavior demonstrates reckless disregard for the law, willful intent to harm, and coordinated negligence between the furnisher and Equifax. The new XXXX Contracting listing is simply a rebranded version of the same XXXX collection, with a falsified date and no legal validation. \n\nPattern of Deceptive Reporting This is not the first time this debt has been mishandled. \n\nInitially reported by XXXX disputed and removed. \n\nLater reappeared as XXXX XXXX Co disputed again. \n\nNow resurfaced under XXXX Contracting SVC LLC a clear pattern of re-reporting under different names to evade deletion. \n\nEquifax continues to allow these unverified re-insertions, showing systemic failure to comply with FCRA standards. The bureau has been repeatedly notified of prior disputes but still permits the same invalid data to reappear. \n\nThis is a violation of FCRA 611 ( a ) ( duty to reinvestigate ) and FCRA 623 ( b ) ( furnishers duty to investigate disputes ). Both entities are acting in bad faith, exploiting gaps between furnishers and credit bureaus to reintroduce deleted accounts under slightly modified identifiers. \n\nLegal and Financial Harm The impact is immediate and measurable : My credit utilization and debt ratio are distorted by an illegitimate balance. \n\nMy creditworthiness is damaged because Equifax reflects a new collection with a current open date. \n\nI have lost access to favorable financing terms due to this false derogatory item. \n\nThese damages are actionable under FCRA 616617, which provides for statutory and actual damages in cases of willful or negligent non-compliance. The conduct also meets the FDCPA standard for deceptive collection activity and false representation of debt. \n\nRequested Resolution Immediate deletion of the XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX collection account and all related XXXX references. \n\nWritten validation from the furnisher, including : The original medical providers name and address, An itemized billing statement, and My signed authorization for treatment or charges. \n\nFormal investigation by the CFPB into XXXX XXXX Co, Paragon Contracting, and Equifax for repeated violations of FCRA 623, 607 ( b ), and FDCPA 807809.\n\nReferral for enforcement to impose civil penalties for willful misconduct under FCRA 616617 and FDCPA 813.\n\nWritten confirmation of deletion and compliance within 15 business days. \n\nXXXX XXXX XXXX Co, XXXX XXXX XXXX XXXX, and Equifax have engaged in systematic fraud through re-aging, data recycling, and false credit furnishing. They are attempting to relabel and resell a previously deleted debt under a new account number and creditor name. \n\nThis violates federal law, CFPB regulations, and the core principles of consumer data accuracy. I demand immediate deletion, validation, and enforcement action to stop these repeat violations permanently. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Florida Date : XX/XX/XXXX 2025","date_sent_to_company":"2025-10-31T23:07:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"16943712","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-31T22:51:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This behavior <em>demonstrates</em> reckless disregard for the law, willful intent to harm, and coordinated negligence between the furnisher and Equifax. The new XXXX Contracting listing is simply a rebranded version of the same XXXX <em>collection</em>, with a falsified date and no legal validation. \n\n<em>Pattern</em> of <em>Deceptive</em> Reporting This is not the first time this debt has been mishandled. \n\nInitially reported by XXXX disputed and removed. \n\nLater reappeared as XXXX XXXX Co disputed again."],"product":["Debt <em>collection</em>"]},"sort":[17.073505,"16943712"]},{"_index":"complaint-public-v1","_id":"16944110","_score":17.062723,"_source":{"product":"Debt collection","complaint_what_happened":"Illegal Re-Aging and Duplicate Medical Debt Reporting Credit Management Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against Credit Management CoXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for fraudulent and willful re-reporting of a previously deleted medical collection account, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). \n\nOn XX/XX/XXXX, a new collection account suddenly appeared on my Equifax credit report, reported by Credit Management Co and listing XXXX XXXX XXXX XXXX as the original creditor. The reported balance is approximately {$910.00}. This tradeline is a duplicate and re-aged version of a prior account that was previously furnished by XXXX XXXX XXXX ( XXXX ) which I had disputed multiple times and had successfully deleted. \n\nThis new entry is a manipulated re-insertion of the same debt, disguised under a new original creditor name and new date opened. The goal is to make it appear as a brand-new debt, even though it is the same account previously challenged. No written notice, validation, or documentation was ever sent to me by Credit Management Co or XXXX XXXX, in violation of FDCPA XXXX ( XXXX XXXX \n\nThis act of re-aging and data recycling is a serious federal offense that misleads creditors, suppresses my credit standing, and causes direct financial harm. This is not a reporting error ; it is a willful and deceptive act intended to bypass prior investigations and dispute outcomes. \n\nViolations of Federal Law FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information known or believed to be inaccurate. By re-aging an account that was already deleted, Credit Management Co knowingly furnished false information.\n\nFCRA 623 ( a ) ( 5 ) ( A ) : Requires furnishers to report the correct Date of First Delinquency. Listing a new open date of XX/XX/XXXX falsifies the timeline and illegally extends reporting beyond the seven-year limit. \n\nFCRA 607 ( b ) : XXXX failed its duty to ensure maximum possible accuracy by accepting a new, unverifiable tradeline from a furnisher already involved in disputes. \n\nFCRA 611 ( a ) ( 5 ) : A deleted account can not be reinserted unless the furnisher certifies its accuracy and the bureau notifies the consumer within five days. I received no such notice. \n\nFDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt. This account was already closed and disputed. \n\nFDCPA 809 ( a ) : The collector must send written validation within five days of first communication. No notice or validation was ever received. \n\nCFPB Medical Debt Reporting Guidance ( XXXX  ) : Prohibits reporting medical debts without full validation or that are less than 12 months old. \n\nThis behavior demonstrates reckless disregard for the law, willful intent to harm, and coordinated negligence between the furnisher and XXXX  The new XXXX XXXX listing is simply a rebranded version of the same XXXX collection, with a falsified date and no legal validation. \n\nPattern of Deceptive Reporting This is not the first time this debt has been mishandled. \n\nInitially reported by XXXX disputed and removed. \n\nLater reappeared as Credit Management Co disputed again. \n\nNow resurfaced under XXXX XXXX XXXX XXXX  a clear pattern of re-reporting under different names to evade deletion. \n\nXXXX  continues to allow these unverified re-insertions, showing systemic failure to comply with FCRA standards. The bureau has been repeatedly notified of prior disputes but still permits the same invalid data to reappear. \n\nThis is a violation of FCRA 611 ( a ) ( duty to reinvestigate ) and FCRA 623 ( b ) ( furnishers duty to investigate disputes ). Both entities are acting in bad faith, exploiting gaps between furnishers and credit bureaus to reintroduce deleted accounts under slightly modified identifiers. \n\nLegal and Financial Harm The impact is immediate and measurable : My credit utilization and debt ratio are distorted by an illegitimate balance. \n\nMy creditworthiness is damaged because XXXX reflects a new collection with a current open date. \n\nI have lost access to favorable financing terms due to this false derogatory item. \n\nThese damages are actionable under FCRA 616617, which provides for statutory and actual damages in cases of willful or negligent non-compliance. The conduct also meets the FDCPA standard for deceptive collection activity and false representation of debt. \n\nRequested Resolution Immediate deletion of the Credit Management Co / ParaXXXX XXXX XXXX XXXX collection account and all related XXXX references. \n\nWritten validation from the furnisher, including : The original medical providers name and address, An itemized billing statement, and My signed authorization for treatment or charges. \n\nFormal investigation by the CFPB into Credit Management Co, Paragon Contracting, and XXXX for repeated violations of FCRA 623, 607 ( b ), and FDCPA 807809.\n\nReferral for enforcement to impose civil penalties for willful misconduct under FCRA 616617 and FDCPA 813.\n\nWritten confirmation of deletion and compliance within 15 business days. \n\nXXXX Credit Management Co, XXXX XXXX XXXX XXXX, and XXXX  have engaged in systematic fraud through re-aging, data recycling, and false credit furnishing. They are attempting to relabel and resell a previously deleted debt under a new account number and creditor name. \n\nThis violates federal law, CFPB regulations, and the core principles of consumer data accuracy. I demand immediate deletion, validation, and enforcement action to stop these repeat violations permanently. \n\nRespectfully, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-31T23:06:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"16944110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-10-31T23:06:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This behavior <em>demonstrates</em> reckless disregard for the law, willful intent to harm, and coordinated negligence between the furnisher and XXXX  The new XXXX XXXX listing is simply a rebranded version of the same XXXX <em>collection</em>, with a falsified date and no legal validation. \n\n<em>Pattern</em> of <em>Deceptive</em> Reporting This is not the first time this debt has been mishandled. \n\nInitially reported by XXXX disputed and removed. \n\nLater reappeared as Credit Management Co disputed again."],"product":["Debt <em>collection</em>"],"company":["<em>Collection</em> Management Holdings, LLC"]},"sort":[17.062723,"16944110"]},{"_index":"complaint-public-v1","_id":"14917944","_score":16.867252,"_source":{"product":"Mortgage","complaint_what_happened":"Final Response to Wells Fargo Executive Team Legal Documentation and Accountability Required TO : Wells Fargo Executive Team ( XXXX, XXXX, XXXX XXXX ) CC : Consumer Financial Protection Bureau From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX RE : Inadequate Resolution Offer and Continued Legal Violations - Account XXXX XXXXXXXX Dear Wells Fargo Executive Team : I am writing to address XXXX  recent response, which demonstrates a concerning lack of professionalism and appears to question our familys integrity while failing to acknowledge Wells Fargos documented violations of federal housing laws. \nHistorical Context and Accountability We, the XXXX XXXX, take full accountability for experiencing financial difficulties in paying our mortgage during XXXX, which occurred during the most significant housing crisis in American history. This period was characterized by widespread predatory lending practices and mortgage company unaccountability that affected millions of American families. \nHowever, Wells Fargo capitalized on this foreclosure crisis, taking advantage of vulnerable borrowers while denying loan modifications to families who qualified for assistance programs, including the federally-mandated XXXX program. \nResponse to XXXX Inaccurate Claims 1. Occupancy Timeline - Documented Evidence XXXX insinuation that we remained in the property until XX/XX/XXXX is categorically false and professionally inappropriate. This misrepresentation appears designed to justify Wells Fargos failure to provide the {$10000.00} XXXX  relocation assistance we were promised. \nDocumented Evidence of Our Compliance : Move-out date : XX/XX/XXXX ( XXXX day ahead of the XX/XX/XXXX deadline ) New lease executed : XXXX XXXX XXXX XXXX lease commencing XX/XX/XXXX Realtor possession : XXXX XXXX XXXX XXXX XX/XX/XXXX Proof of funds transfer : Completed before XX/XX/XXXX Property condition : Home left in spectacular condition, including maintained lawn and paid XXXX fees for the entire year Utility maintenance : All utilities ( power, water ) maintained in our name for the year following our departure Any individuals observed at the property after XX/XX/XXXX, were third-party representatives of Wells Fargo, not XXXX XXXX family. \n2. Title Documentation- Wells Fargos Professional Negligence XXXX  statement that we became responsible for verifying title documentation demonstrates a fundamental misunderstanding of mortgage servicing professional standards. Once consent is signed for a deed in lieu of foreclosure, title documentation should be maintained and verified by professional real estate executives, not homeowners.\n\nWells Fargos own records show : The initial deed in lieu agreement was allegedly denied because the homeowner didnt ensure the second lien was paid We successfully cleared subordination of the second XXXX holder ( XXXX ) in the amount of {$80000.00} before the move was approved Title work was mysteriously cleared in XX/XX/XXXX without any required action from the XXXX XXXX Professional title search conducted in XXXX XXXX shows no title issues existed This timeline proves Wells Fargos title claims were fabricated to avoid XXXX  program compliance. \n\nWells Fargos Predatory Fee Structure Financial Impact Analysis Initial loan amount : XXXX XXXXXXXX fees accumulated over XXXX years : $ XXXX : The excessive fees alone could have purchased another home Breakdown of Predatory Fees : Late fees applied during foreclosure status Property appraisal fees for denied modifications Foreclosure attorney fees for prolonged proceedings Monthly property inspection fees ( with no evidence of actual inspections ) Corporate advancement fees This fee structure was systematically designed to make loan resolution mathematically impossible, trapping borrowers in perpetual foreclosure status.\n\nWells Fargos Contradictory Document Retention XXXX  stated that Wells Fargo couldnt find the XXXX tax document ( Form XXXX showing {$28000.00} ) because it was beyond guidelines of keeping, yet Wells Fargo provided tax documentation from XXXX. This selective document retention demonstrates either : 1. Systematic destruction of unfavorable evidence, or 2. Negligent record-keeping violating federal requirements Both scenarios constitute violations of federal record-keeping regulations under RESPA. \nXXXX Admission of Wells Fargos Wrongdoing XXXX statement that the {$3000.00} payment was given as a gift because they havent found or identified any wrong doing is contradicted by Wells Fargos own mediation policies. XXXX previously acknowledged that Wells Fargo only makes payments through mediation when errors exist. \n\nThis contradiction proves Wells Fargo has identified wrongdoing but refuses to acknowledge it publicly. \nInadequate Resolution and XXXX XXXX XXXX XXXX XXXX XXXX XXXX claimed Wells Fargo had reached a solution but provided no written documentation or specific terms. A vague, undocumented phone call does not constitute a legally binding resolution of federal housing law violations. \n\nInsulting Compensation Offer The {$3000.00} total compensation is demonstrably inadequate : Does not cover utilities and maintenance for XXXX year following our move Fails to address XXXX years of predatory lending practices Ignores the outstanding {$10000.00} XXXX  relocation assistance Does not compensate for documented emotional and financial distress Federal Law Violations Requiring Legal Action Wells Fargos conduct violates multiple federal consumer protection laws : XXXX. XXXX XXXX Violations - Failure to provide {$10000.00} relocation assistance XXXX. RESPA Violations - Inadequate record-keeping and disclosure failures XXXX. Truth in Lending Act Violations - Failure to properly disclose fee structures XXXX. Fair Debt Collection Practices Act Violations - Excessive and improperly applied fees XXXX. Consumer Financial Protection Act Violations- Unfair, deceptive, and abusive practices Legal Notice and Future Action Wells Fargo executives consistently declare no wrongdoing despite overwhelming evidence of federal law violations. This institutional denial of responsibility represents exactly the type of predatory lending practice that consumer protection laws were designed to prevent. \nWe have laws and regulations specifically designed to protect consumers from this type of predatory mortgage loan servicing. Wells Fargos attempt to characterize their violations as charitable giving demonstrates a fundamental disrespect for federal consumer protection regulations. \nLegal Notice : This correspondence serves as formal notice that we reject Wells Fargos inadequate resolution attempts and will pursue all available legal remedies, including : Federal regulatory complaints and enforcement actions Private legal action for damages and federal law violations Public awareness campaigns regarding Wells Fargos predatory practices Conclusion Our family continues to heal from this Wells Fargo loan nightmare. The emotional and financial trauma of XXXX years of predatory lending practices can not be resolved with insulting settlement offers and continued denial of responsibility.\n\nWells Fargos pattern of misconduct in our case mirrors the systematic issues that have resulted in multiple class action lawsuits and regulatory sanctions. We are committed to ensuring that Wells Fargo is held accountable for their violations of federal housing laws and consumer protection regulations. \n\nThe American dream of homeownership should not be manipulated by financial institutions seeking to capitalize on borrower distress through predatory lending practices. \nWe demand : 1. Immediate payment of the {$10000.00} XXXX  relocation assistance 2. Appropriate compensation for XXXX years of predatory lending practices 3. Full documentation of all fees and charges applied to our account 4. Written acknowledgment of Wells Fargos federal law violations This matter will not be resolved until Wells Fargo provides appropriate accountability and compensation commensurate with their documented violations of federal consumer protection laws. \n\nSincerely, XXXX LEGAL COUNSEL NOTICE : This matter is being referred to legal counsel for pursuit of all available remedies under federal consumer protection laws. \n\nATTACHMENTS : Lease agreement for XXXX XXXX property ( XX/XX/XXXX ) Realtor possession documentation ( XX/XX/XXXX ) Proof of funds transfer ( XXXX XXXX, XXXX ) XXXX XXXX title search documentation XXXX  subordination payment records ( {$80000.00} ) Utility payment records for post-move period","date_sent_to_company":"2025-07-29T00:50:10.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"14917944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-29T00:37:43.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Violations</em> - Failure to provide {$10000.00} relocation assistance XXXX. RESPA <em>Violations</em> - Inadequate record-keeping and disclosure failures XXXX. Truth in Lending Act <em>Violations</em> - Failure to properly disclose fee structures XXXX. Fair Debt <em>Collection</em> <em>Practices</em> Act <em>Violations</em> - Excessive and improperly applied fees XXXX."]},"sort":[16.867252,"14917944"]},{"_index":"complaint-public-v1","_id":"18701276","_score":16.69444,"_source":{"product":"Debt collection","complaint_what_happened":"[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Third-Party Debt Collector [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws To the CFPB : I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX XXXX and the third-party debt collection agency, [ Credence Resource Management , LLC ] ( the Collector ) XXXX for systematic violations of my rights under multiple federal consumer protection laws. This complaint involves the unlawful sale of a consumer contract and subsequent attempted collection without validation or proof of a valid chain of title.\n\n1. Factual Background & Summary of Violations : I entered into a service contract with XXXX for wireless communications services. A dispute arose regarding the final bill. Without my knowledge, consent, or any contractual agreement on my part, XXXX sold or assigned this alleged debt to a third-party debt collector, [ Credence Resource Management , LLC ] . I have never signed any agreement with this Collector. \n\nThe Collector has now contacted me seeking payment. I have requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, and central to this complaint, I have demanded that the Collector provide me with the Purchase Agreement or assignment documentation that proves they have the legal right to collect this debt, as the original contract was solely between myself and XXXX. They have failed to provide this critical proof of ownership/chain of title. \n\nXXXX sale of my contract under these circumstances, and the Collectors attempts to collect without validating the debt and proving legal standing, constitute a deceptive and abusive practice.\n\n2. Specific Legal Violations : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : The Collector is violating the FDCPA by ( 1 ) potentially failing to provide proper written validation under 1692g, and ( 2 ) engaging in deceptive practices by attempting to collect a debt without possessing and, upon request, furnishing documentation proving they are the lawful assignee with the right to collect. Collection without proof of assignment is a violation of the FDCPAs prohibition on false or misleading representations ( 1692e ) and unfair practices ( 1692f ).\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 : Both XXXX and the Collector have engaged in UDAAPs. It is deceptive to sell and attempt to collect on a debt without the ability to document the chain of title to the consumer upon request. It is unfair to subject me to collection activities when the Collector can not prove it owns the specific debt it is trying to collect. It is abusive to take advantage of my lack of understanding regarding the validity of the assignment.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : If either XXXX or the Collector has furnished inaccurate information regarding this invalid or unverified debt to any consumer reporting agency, they have violated their duty to provide accurate information under the FCRA. An unreported or unverified assignment/sale renders the debt information inaccurate. \nUnfair or Deceptive Acts or Practices ( UDAP ) Laws & State Consumer Protection Acts : XXXX actions likely violate state UDAP statutes, which prohibit unfair and deceptive business practices in commerce, including the sale of a contract without clear disclosure and a valid underlying claim.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While primarily for credit, these laws underscore the principle of accurate billing and the right to dispute. XXXX failure to resolve the underlying billing dispute properly before selling the alleged debt compounds the unfairness.\n\nUniform Commercial Code ( UCC ) Article 9 : The sale/assignment of an account ( the debt ) is governed by the UCC. A subsequent purchaser ( the Collector ) must be able to prove the chain of title. Requesting the Purchase Agreement is a request for proof that a valid assignment under the UCC took place.\n\nFederal Trade Commission Act & General Federal Consumer Law Principles : The actions described violate long-standing federal policy against deceptive and unfair trade practices in commerce.\n\n3. Consumer Relief Requested : I request that the CFPB investigate XXXX and the debt collector, [ Credence Resource Management , LLC ]. I specifically demand that the CFPB order : 1. The immediate cessation of all collection activities by the Collector until they provide full and proper validation of the debt as required by the FDCPA.\n\n2. That the Collector be required to produce to me and the CFPB the complete Purchase Agreement or assignment documentation that establishes their legal ownership of my specific debt from XXXX. Without this, they have no enforceable legal standing. \nXXXX. That XXXX be required to provide a full accounting of the sale and justify how it comports with UDAAP principles and its original contract with me.\n\n4. That all inaccurate information related to this invalidated debt be deleted from my consumer reports in compliance with the FCRA.\n\n5. Any other remedies the CFPB deems appropriate, including holding both parties accountable for violations of federal consumer financial laws.\n\nEnclosed/Attached Documents : Copies of any communications from XXXX regarding the final bill or debt sale.\n\nCopies of all letters and notices from the debt collector.\n\nCopies of my written requests for debt validation and the Purchase Agreement.\n\nA copy of my final XXXX bill/statement ( if available ).\n\nProof of my identity and the account in question.\n\nThis matter is causing significant distress and is a clear violation of my rights as a consumer. I trust the CFPB will take appropriate action. Please acknowledge receipt of this complaint and keep me informed of your investigation.\n\nSincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ] [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws File # [ XXXX ] To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and the third-party debt collection agency, [ Name of Debt Collector, if known ] ( the Collector ), for multiple, serious violations of federal consumer protection laws. The core issues are : ( 1 ) the unlawful sale/assignment of my consumer contract without my consent, and ( 2 ) subsequent attempted collection activities based on invalid, unverified, and inaccurate information, including the use of an incorrect address.\n\n1. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I never agreed to, nor signed any contract permitting, the sale or assignment of my account or any alleged debt to any third party. \n\nDespite this, XXXX sold or assigned this disputed account to the Collector. The Collector has now attempted to contact me, but has done so using an incorrect address, demonstrating they lack basic, accurate information about the account they are purporting to own. Upon receipt of their communication, I immediately sent a written request demanding two specific items : 1. Full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ; and 2. The complete Purchase Agreement or assignment documentation proving a valid chain of title from XXXX to the Collector, establishing their legal standing to collect.\n\nTo date, the Collector has failed to provide either, yet may continue collection efforts. This entire process is rife with illegality.\n\n2. Specific Legal Violations by Both Entities : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : The Collector is obligated to provide verification/validation of the debt upon my written request. Failure to do so and continuing collection activity is a violation.\n\n1692e : It is a false, deceptive, or misleading representation to imply a right to collect, or the legal status of a debt, when the Collector can not produce the Purchase Agreement proving ownership. Using an incorrect address further demonstrates a lack of reasonable procedures to ensure accuracy, a violation under this section.\n\n1692f : It is an unfair practice to attempt to collect a debt where the validity of the debt and the collector 's ownership of it are actively disputed and unproven.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : Deceptive : XXXX deceived me by selling a disputed account under terms not present in our original contract. The Collector deceives by asserting a right to collect it can not document. \nUnfair : This practice causes substantial injury ( financial harassment, credit damage ) that I can not reasonably avoid, and which is not outweighed by any countervailing benefit. The injury is not hypothetical given the Collectors use of an incorrect address, risking improper disclosure and harm.\n\nAbusive : The Collector is taking advantage of my inability to protect my interests by demanding payment without proving it has the legal right to do so.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : If XXXX or the Collector has furnished information about this invalid, disputed, and unverified debt to any consumer reporting agency ( CRA ), they have violated their duty to provide accurate information and to conduct a reasonable investigation upon dispute. An account sold without a verifiable chain of title is inherently inaccurate.\n\nUniform Commercial Code ( UCC ) Article 9 ( as adopted by state law ) : The sale of an account ( the debt ) is governed by UCC Article 9. My request for the Purchase Agreement is a demand for proof that a perfected, valid assignment occurred, establishing the Collector as the secured party with enforceable rights. Without this, their claim is legally deficient.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While my contract was for services, the principles of accurate billing and the right to a good faith investigation of a billing dispute are foundational federal consumer protections. XXXX  sale of a disputed balance without resolution sidesteps these core rights. \nFederal Trade Commission Act ( FTC Act ) 5 & State UDAP Laws : The conduct described constitutes unfair and deceptive acts or practices in commerce under the broadest federal and state consumer protection statutes.\n\n3. Consumer Relief Requested : I request that the CFPB immediately investigate XXXX and [ Credence Resource Management , LLC ]. I demand the following actions : 1. Cease Collection : An order for the Collector to immediately and permanently cease all collection activities related to this account.\n\n2. Produce Documents : A CFPB order compelling the Collector to provide to me and the CFPB : Complete, legally sufficient validation of the debt per FDCPA 1692g.\n\nThe complete, executed Purchase Agreement or assignment documentation proving chain of title.\n\n3. Correct Information : An order requiring both XXXX and the Collector to correct all inaccurate information, including my address, and to delete all tradelines related to this account from any and all consumer reports, per the FCRA. \nXXXX. Investigate XXXX : A full investigation into XXXX practice of selling disputed consumer contracts without explicit contractual consent and its compliance with UDAAP principles. \nXXXX. Remedies : Any other penalties, fines, or consumer redress the CFPB deems appropriate for these violations of federal consumer financial laws. \n\nEnclosed/Attached Documents : Copies of my XXXX contract and final billing statements. \nCopies of all communications from the debt collector ( showing incorrect address ). \nA copy of my written request to the Collector for validation and the Purchase Agreement.\n\nProof of my current, correct address.\n\n[ Any other relevant correspondence ].\n\nThis matter is causing significant distress and represents a fundamental breach of consumer trust and law. I appreciate your prompt attention and action. \n\nXXXX. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I attempted to resolve this balance by tendering a valid form of legal payment, which XXXX wrongfully refused to accept. Subsequently, and without any contractual authority or my consent, XXXX sold/assigned this disputed account to the Collector. \n\nI have never had any agreement with this Collector. Their initial contact used an incorrect address, proving they lack fundamental, accurate data. My services with XXXX have been terminated since [ Last Year ], causing ongoing injury. Upon learning of the collection, I sent a written request demanding : 1 ) Full validation of the alleged debt under the FDCPA ; and 2 ) The complete PURCHASE AGREEMENT proving a valid chain of title. The Collector has failed to comply, yet continues its unlawful collection efforts.\n\n2. Specific Legal Violations & Demands for Remedies : The actions of XXXX  and the Collector constitute a cascade of violations under the following frameworks, for which I demand the CFPB seek the maximum available penalties and consumer redress : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : Failure to provide validation upon written request.\n\n1692e : Making false, deceptive, or misleading representations by implying a right to collect without proof of ownership ( the Purchase Agreement ) and using an incorrect address.\n\n1692f : Engaging in unfair and unconscionable practices by collecting a debt that is disputed and unverified, and where the original creditor refused valid payment.\n\n1692k : I seek statutory damages of up to {$1000.00} per violation, actual damages for emotional distress, and costs/fees for these willful and knowing violations.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : XXXX refusal of legal tender and subsequent sale of the disputed account is abusive and unfair. The Collectors attempt to collect without proof of standing is deceptive.\n\nThese practices have caused substantial monetary and non-monetary injury, including loss of service, credit damage, and significant distress.\n\nI demand restitution for all injuries and disgorgement of any ill-gotten gains from this practice, which I quantify as a minimum of {$10000.00} for the severe and compounding harm caused.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681s-2 ( a ) : If XXXX furnished inaccurate information about a disputed debt arising from its own refusal of payment, it violated its duty of accuracy.\n\n1681s-2 ( b ) : Both parties must conduct a reasonable investigation upon dispute. Failure to produce the Purchase Agreement demonstrates a willful failure to investigate.\n\nI seek damages for any willful ( 1681n ) or negligent ( 1681o ) noncompliance, including punitive damages.\n\nUniform Commercial Code ( UCC ) Article 3 & 4 ( Negotiable Instruments ) : XXXX refusal of a valid form of legal tender ( UCC 3-104 ) as payment for a settled amount may constitute a waiver of the debt and is a violation of commercial law principles underpinning federal consumer protection.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : The principles of accurate billing, good faith resolution of disputes, and proper credit for payments under the FCBA were blatantly violated by XXXX actions leading to the sale. \nFederal Trade Commission Act 5 & State UDAP Laws : This pattern of conduct is the definition of unfair and deceptive acts or practices in commerce.\n\n3. Comprehensive Relief Sought : I demand that the CFPB investigate and secure the following resolutions : 1. Immediate Cease & Desist : A permanent injunction barring the Collector from any further collection activity and requiring recall of the debt from any secondary markets.\n\n2. Document Production : A CFPB order compelling the production of the complete debt validation and the executed PURCHASE AGREEMENT.\n\n3. Credit Repair : Permanent deletion of all tradelines related to this account from all consumer reporting agencies.\n\n4. Substantial Monetary Remedies : Restitution for the wrongful refusal of payment, loss of service, and damages suffered, quantified at a minimum of {$10000.00}.\n\nStatutory Damages under the FDCPA and FCRA.\n\nCivil Penalties levied against XXXX and the Collector for their UDAAP violations, with a portion directed to me as victim compensation.\n\nPunitive Damages for the willful, oppressive, and malicious nature of these acts.\n\n5. Account Correction : Formal correction of my account records with XXXX and the Collector to reflect my accurate address and the true disputed status.\n\nThe cumulative harm, including the refusal of payment, unlawful sale, invasive collection attempts based on wrong data, and loss of essential communication services, warrants a significant financial resolution in the range of {$10000.00} or more to make me whole and deter this predatory behavior.","date_sent_to_company":"2026-01-14T00:40:29.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"11233","tags":null,"has_narrative":true,"complaint_id":"18701276","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-01-14T00:02:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Resource Management , LLC ] ( the 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