{"took":183,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13164966","_score":27.089025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \nXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX  - This inquiry was not authorized - Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nBankruptcy - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX XXXX XXXX  - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-04-24T16:41:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"13164966","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-24T16:40:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[27.089025,"13164966"]},{"_index":"complaint-public-v1","_id":"13160050","_score":27.085026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \nXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX  - This inquiry was not authorized - Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nBankruptcy - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX XXXX XXXX  - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-04-24T16:41:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"13160050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-24T16:37:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[27.085026,"13160050"]},{"_index":"complaint-public-v1","_id":"13155957","_score":27.04945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \nXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX  - This inquiry was not authorized - Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please remove. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nBankruptcy - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \n\nXXXX XXXX XXXX XXXX  - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-04-24T16:41:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"13155957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-24T16:40:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[27.04945,"13155957"]},{"_index":"complaint-public-v1","_id":"15921137","_score":25.716715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nBankruptcy - XXXX - This XXXX XXXX bankruptcy entry is factually inaccurate and must be removed immediately. The record reflects incorrect information, including an incomplete or improperly stated court name, city, and statedetails that are required under the Fair Credit Reporting Act ( FCRA ) for any public record reporting.Additionally, the bankruptcy in question has been dismissed, not discharged. This is a critical legal distinction, and your failure to reflect this accurately constitutes misleading and false reporting.Under FCRA Sections 1681b ( 2 ) and 1681s- 2 ( b ), you are legally obligated to report information with maximum possible accuracy and to promptly investigate and correct disputed data. Your failure to do so is a direct violation of federal law.I am formally demanding the immediate deletion of this inaccurate public record from my consumer credit report. Continued reporting of this incorrect information may result in legal action to protect my rights under the FCRA. \nXXXX XXXX - XX/XX/year> - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/year> - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-09-13T10:30:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33460","tags":null,"has_narrative":true,"complaint_id":"15921137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-13T10:30:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[25.716715,"15921137"]},{"_index":"complaint-public-v1","_id":"15921062","_score":25.708551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nBankruptcy - XXXX - This XXXX XXXX bankruptcy entry is factually inaccurate and must be removed immediately. The record reflects incorrect information, including an incomplete or improperly stated court name, city, and statedetails that are required under the Fair Credit Reporting Act ( FCRA ) for any public record reporting.Additionally, the bankruptcy in question has been dismissed, not discharged. This is a critical legal distinction, and your failure to reflect this accurately constitutes misleading and false reporting.Under FCRA Sections 1681b ( 2 ) and 1681s- 2 ( b ), you are legally obligated to report information with maximum possible accuracy and to promptly investigate and correct disputed data. Your failure to do so is a direct violation of federal law.I am formally demanding the immediate deletion of this inaccurate public record from my consumer credit report. Continued reporting of this incorrect information may result in legal action to protect my rights under the FCRA. \nXXXX XXXX - XX/XX/year> - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/year> - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-09-13T10:30:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33460","tags":null,"has_narrative":true,"complaint_id":"15921062","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T10:25:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[25.708551,"15921062"]},{"_index":"complaint-public-v1","_id":"15921138","_score":25.690508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nBankruptcy - XXXX - This XXXX XXXX bankruptcy entry is factually inaccurate and must be removed immediately. The record reflects incorrect information, including an incomplete or improperly stated court name, city, and statedetails that are required under the Fair Credit Reporting Act ( FCRA ) for any public record reporting.Additionally, the bankruptcy in question has been dismissed, not discharged. This is a critical legal distinction, and your failure to reflect this accurately constitutes misleading and false reporting.Under FCRA Sections 1681b ( 2 ) and 1681s- 2 ( b ), you are legally obligated to report information with maximum possible accuracy and to promptly investigate and correct disputed data. Your failure to do so is a direct violation of federal law.I am formally demanding the immediate deletion of this inaccurate public record from my consumer credit report. Continued reporting of this incorrect information may result in legal action to protect my rights under the FCRA. \nXXXX XXXX - XX/XX/year> - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/year> - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-09-13T10:30:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33460","tags":null,"has_narrative":true,"complaint_id":"15921138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-13T10:30:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[25.690508,"15921138"]},{"_index":"complaint-public-v1","_id":"15318539","_score":23.694288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.\n\nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. \nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute 1 of 4 within 30 days now this account in violation. \nXXXX  - XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nXXXX - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-08-15T10:42:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"15318539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-15T10:41:32.000Z","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":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.694288,"15318539"]},{"_index":"complaint-public-v1","_id":"15318538","_score":23.675238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.\n\nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. \nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute 1 of 4 within 30 days now this account in violation. \nXXXX  - XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nXXXX - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-08-15T10:41:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"15318538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T10:41:32.000Z","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":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.675238,"15318538"]},{"_index":"complaint-public-v1","_id":"15317969","_score":23.675238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nDisputed Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.\n\nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. \nYour improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. \nXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute 1 of 4 within 30 days now this account in violation. \nXXXX  - XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. \nXXXX - XXXX - This account is inaccurate because you have incorrectly stated the court'sname. You are required to include the court 's name, city, and state in your reporting, which youhave failed to do. I demand that you remove this inaccurate public record from my consumerreport based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. \nXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.","date_sent_to_company":"2025-08-15T10:41:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"15317969","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T10:38:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.675238,"15317969"]},{"_index":"complaint-public-v1","_id":"13127856","_score":23.18601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13127856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T20:33:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.18601,"13127856"]},{"_index":"complaint-public-v1","_id":"13104557","_score":23.17598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13104557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.17598,"13104557"]},{"_index":"complaint-public-v1","_id":"13111738","_score":23.161062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13111738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act was created to ensure that laws and procedures are in place to protect consumers from abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> by <em>debt</em> collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits <em>debt</em> collectors from using <em>unfair</em> or unconscionable means to collect a <em>debt</em>. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law."]},"sort":[23.161062,"13111738"]},{"_index":"complaint-public-v1","_id":"5950396","_score":18.115658,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Violations Refer to 15 U.S.C. 1681a ( 3abc. It states in ( 3 ) restriction on sharing of medical information. Exception for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is- A ) medical information ; B ) an individual list or description based on the payment transactions of the consumer for medical products or services ; or C ) aggregate list of identified consumers based on payment transactions for medical products or services. Equifax allowed for a third party debt collector XXXX XXXX reported medical information on the consumer report which violates HIPAA-Law, violation 15 U.S.C 1681a ( 3abc ), violation of 15 U.S.C. 1681b ( a ) ( 1 ) ( 2 ) -permissible purposes of consumer reports in which there was no court order or written instructions by the consumer, violation of 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, violation of 15 U.S.C 1581a ( 3 ) Identity theft-the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the bureau may prescribe, by regulation, violation of 15 U.S.C. 1681a ( 4abc ) - ( 4 ) Identity theft, report- the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report- ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the bureau; and ( c ) the filling of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. Identity theft also violates The Fair Credit Reporting Act : Identity theft rules in subsection 681.1 Duties regarding the detection, prevention and mitigation of identity theft ( a ) scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the Fair Credit Reporting Act by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ) and IV. Preventing and Mitigating Identity Theft. The consumer report was deleted was disputed which is admission that both the third party debt collectors and the consumer reporting agency violated Fair Debt Collection Practices Act pursuant to Unfair and Deceptive Practices under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act. Other violations includes 15 U.S.C. 1611-criminal liability for willful and knowing, 15 U.S.C. 1640-civil liability, 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1681s-2- responsibilities furnishers of information to consumer reporting agencies, 15 U.S.C. 1681 ( a ) ( 4 ) -Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S.C . 1602 ( p ) - unauthorized use means a use of a credit card by a person other than the cardholder and 15 U.S.C. 1644 ( a ) - Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce- whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one year period has a value aggregating {$1000.00} or more ; pursuant to ( b ) ( c ) ( d ) ( e ) ( f ). Failure to resolve such matters constitutes violations against 15 U.S.C. 1681n-civil willful noncompliance and 15 U.S.C. 1681o-Civil liability for negligent noncompliance and result in a complaint with XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-05T23:35:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"5950396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-05T23:17:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer report was deleted was disputed which is admission that both the third party <em>debt</em> collectors and the consumer reporting agency violated Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act pursuant to <em>Unfair</em> and <em>Deceptive</em> <em>Practices</em> under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act."]},"sort":[18.115658,"5950396"]},{"_index":"complaint-public-v1","_id":"5950397","_score":18.108595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Violations Refer to 15 U.S.C. 1681a ( 3abc. It states in ( 3 ) restriction on sharing of medical information. Exception for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is- A ) medical information ; B ) an individual list or description based on the payment transactions of the consumer for medical products or services ; or C ) aggregate list of identified consumers based on payment transactions for medical products or services. XXXX allowed for a third party debt collector XXXX XXXX reported medical information on the consumer report which violates HIPAA-Law, violation 15 U.S.C 1681a ( 3abc ), violation of 15 U.S.C. 1681b ( a ) ( 1 ) ( 2 ) -permissible purposes of consumer reports in which there was no court order or written instructions by the consumer, violation of 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, violation of 15 U.S.C 1581a ( 3 ) Identity theft-the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the bureau may prescribe, by regulation, violation of 15 U.S.C. 1681a ( 4abc ) - ( 4 ) Identity theft, report- the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report- ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the bureau; and ( c ) the filling of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. Identity theft also violates The Fair Credit Reporting Act : Identity theft rules in subsection 681.1 Duties regarding the detection, prevention and mitigation of identity theft ( a ) scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the Fair Credit Reporting Act by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ) and IV. Preventing and Mitigating Identity Theft. The consumer report was deleted was disputed which is admission that both the third party debt collectors and the consumer reporting agency violated Fair Debt Collection Practices Act pursuant to Unfair and Deceptive Practices under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act. Other violations includes 15 U.S.C. 1611-criminal liability for willful and knowing, 15 U.S.C. 1640-civil liability, 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1681s-2- responsibilities furnishers of information to consumer reporting agencies, 15 U.S.C. 1681 ( a ) ( 4 ) -Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S.C . 1602 ( p ) - unauthorized use means a use of a credit card by a person other than the cardholder and 15 U.S.C. 1644 ( a ) - Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce- whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one year period has a value aggregating {$1000.00} or more ; pursuant to ( b ) ( c ) ( d ) ( e ) ( f ). Failure to resolve such matters constitutes violations against 15 U.S.C. 1681n-civil willful noncompliance and 15 U.S.C. 1681o-Civil liability for negligent noncompliance and result in a complaint with XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-05T23:35:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"5950397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-05T23:35:40.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer report was deleted was disputed which is admission that both the third party <em>debt</em> collectors and the consumer reporting agency violated Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act pursuant to <em>Unfair</em> and <em>Deceptive</em> <em>Practices</em> under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act."]},"sort":[18.108595,"5950397"]},{"_index":"complaint-public-v1","_id":"5950398","_score":18.095621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Violations Refer to 15 U.S.C. 1681a ( 3abc. It states in ( 3 ) restriction on sharing of medical information. Exception for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is- A ) medical information ; B ) an individual list or description based on the payment transactions of the consumer for medical products or services ; or C ) aggregate list of identified consumers based on payment transactions for medical products or services. XXXX allowed for a third party debt collector XXXX XXXX reported medical information on the consumer report which violates XXXXw, violation 15 U.S.C 1681a ( 3abc ), violation of 15 U.S.C. 1681b ( a ) ( 1 ) ( 2 ) -permissible purposes of consumer reports in which there was no court order or written instructions by the consumer, violation of 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, violation of 15 U.S.C 1581a ( 3 ) Identity theft-the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the bureau may prescribe, by regulation, violation of 15 U.S.C. 1681a ( 4abc ) - ( 4 ) Identity theft, report- the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report- ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the bureau; and ( c ) the filling of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. Identity theft also violates The Fair Credit Reporting Act : Identity theft rules in subsection 681.1 Duties regarding the detection, prevention and mitigation of identity theft ( a ) scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the Fair Credit Reporting Act by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ) and IV. Preventing and Mitigating Identity Theft. The consumer report was deleted was disputed which is admission that both the third party debt collectors and the consumer reporting agency violated Fair Debt Collection Practices Act pursuant to Unfair and Deceptive Practices under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act. Other violations includes 15 U.S.C. 1611-criminal liability for willful and knowing, 15 U.S.C. 1640-civil liability, 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1681s-2- responsibilities furnishers of information to consumer reporting agencies, 15 U.S.C. 1681 ( a ) ( 4 ) -Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S.C . 1602 ( p ) - unauthorized use means a use of a credit card by a person other than the cardholder and 15 U.S.C. 1644 ( a ) - Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce- whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one year period has a value aggregating {$1000.00} or more ; pursuant to ( b ) ( c ) ( d ) ( e ) ( f ). Failure to resolve such matters constitutes violations against 15 U.S.C. 1681n-civil willful noncompliance and 15 U.S.C. 1681o-Civil liability for negligent noncompliance and result in a complaint with XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-05T23:35:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"5950398","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-05T23:35:40.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The consumer report was deleted was disputed which is admission that both the third party <em>debt</em> collectors and the consumer reporting agency violated Fair <em>Debt</em> <em>Collection</em> <em>Practices</em> Act pursuant to <em>Unfair</em> and <em>Deceptive</em> <em>Practices</em> under XXXX XXXX XXXX XXXX and Fair Credit Reporting Act."]},"sort":[18.095621,"5950398"]},{"_index":"complaint-public-v1","_id":"8566203","_score":17.430962,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX ACCOUNT NUMBER XXXX TOTAL AMOUNT {$610.00} CREDENCE RESOURCE MANAGEMENT LLC  ACCOUNT NUMBER XXXX TOTAL AMOUNT {$610.00} DATE OPENED XX/XX/XXXX - CLOSED XX/XX/XXXX AMOUNT BEING REPORTED TO COLLECTIONS PER REPORTS {$610.00} Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANAGEMENTXXXX XXXX, written, unwritten, verbal, and non-verbal per 15 U.S. Code 6802. XXXX XXXX XXXX XXXX, CREDENCE RESOURCE MANAGEMENT have violated my rights and after contacting this company about a strange and unauthorized collection account on my consumer credit report. Especially since the strange account was originally created at XXXX XXXX XXXX XXXX I believed I would be able to gain awareness about this matter. Contacting XXXX XXXX XXXX XXXX customer service line gained me no ground. I was directed to the XXXX XXXX XXXX XXXX XXXX XXXX line twice! An in short, if they were successful in helping me solve this matter, I wouldn't creating this complaint. I asked for details about the account on each call. I get nowhere but everyone seems to have enough of my non-public personal information to commit and be a party to fraud in my name though. I am given advice to contact the illegitimate collection company by the NAME of CREDENCE RESOURCE MANAGEMENT whom are labelled as an Attorney entity on my consumer credit report! Are they really though? Wow, I'm starting to think I may need to get the attorney clock going. \n\nWhen I contacted Credence Resource Management some few days later, I spoke with XXXX XXXX with their Concern Team. I was not able to do so right away because I am a XXXX veteran with some certain conditions. Through XXXX XXXX I was able to attain more than the amount {$610.00} and my name on the account. XXXX XXXX with great service made me aware that this XXXX XXXX XXXX  account was a CELL PHONE service, the XXXX XXXX XXXX account number XXXX, the account 's date of opening XXXX of XX/XX/XXXX, the account closing date XXXX of XX/XX/XXXX, the Credence Resource Management account number XXXX. While we were on the phone I was made aware that my call of inquiry was a possibly legal attempt to collect on the debt. I let XXXX XXXX know that this account was strange and foreign to me and XXXX XXXX XXXX did not give much help to me inquiring on the strange and unauthorized account. I doubled back to XXXX XXXX XXXX, give them the information and they said it was sent to the fraud department. I have received no relief nor remedy! This account is still in collection status currently on all of my consumer credit reports. I demand that what is done is what to be done and I be made whole. Civil liability and Enforcement to the fullest including monetary relief, and the best route to heal my reports in a way that I properly gain in credit confidence and score. I am also exercising my right to Opt-out of all authorizations I have given XXXX during any and all periods. \n\nThese willfully negligent, deceptive, and abusive practices on behalf of XXXX XXXX XXXX XXXX, CREDENCE RESOURCE MANAGEMENT, XXXX, XXXX, XXXX consumer reporting agencies must be stopped. To keep in a accessible manner for my records, I print my consumer credit reports. On the XXXX of XX/XX/XXXX I acquired my XXXX, XXXX, AND XXXX reports through XXXX. Concerning the collection account there was only one credit reporting agency reporting the CREDENCE RESOURFCE MANAGEMENT account XXXX, that was the XXXX credit reporting agency. The other XXXX companies are reporting no collections at all! That is an error! I have the proof. The next time I acquire my consumer credit report on the XXXX of XX/XX/XXXX, all three credit reporting agencies are now reporting a collection that does not belong to me, this is not the ordinary course of business, I have not received any disclosures, there was no equal consideration, I did not initiate this consumer credit transaction, XXXX XXXX XXXX XXXX has yet to respond with care to their duties and responsibilities nor the laws that regulate its business! Its fraud! I expect the Federal Trade Commission and the CFPB to perform to its fullest authority! My expectations are that all of my complaint is read responsibly, that the companies be held liable for their abhorrent violations, undermining, alienation, and serious harm of my named estate, my state consumer rights, federal protected consumer rights, and for involving me in bad business practices! Must I pursue Action in this matter, per se or by Attorney-at-Law and in the correct jurisdiction respectively, I will as I am Living. How can Justice and its Law not be in my favor, I have my hands clean and in Good Faith I can express that I did not authorize the account with the original creditor. Civil Action and Enforcement is due! I do expect monetary and non-monetary relief for the serious harm that has been done. Thank you for your diligence. \nAs the law describes in Title XXXX, Chapter XXXX of United States Code, XXXX XXXX XXXX, Credence Resource Management are in violation of the following law when my nonpublic personal information was shared infringing upon my rights as a protected consumer. 15 U.S. Code 6801- Protection of nonpublic personal information The violating party ( s ) is not in accordance with any and all laws regulating disclosures in these protected consumer/investor events. These actions have caused serious harm in the midst of my financial reeducation and addressing the negatives of my consumer credit report. I believe my experience is indistinguishable from identity theft and negligence of the XXXX consumer reporting agencies. Due to my current credit status being XXXX  by the harmful violations of XXXX XXXX XXXX, XXXX, XXXX, and XXXX, I have not been able to enjoy my rights to do business nor enjoy products or service acquired by my credits held in trust, by way of applying with my social security card. I am suppose to sign a lease this coming week and I had to apply for a credit card beforehand but my credit report is not right! If I were given due notice of an account being created from my likeness and with my nonpublic personal information. There may have been adequate enough time to put a halt to these fraudulent activities by allowing me to opt-out. That opportunity was never given to my detriment, causing serious harm and offensive lingering obstacles. There must be a remedy for these violations and the regulators do need to perform their duties! \n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 6803 - Disclosure of institution privacy policy, 15 U.S. Code 1631 - Disclosure requirements, 15 U.S. Code 6805 - Enforcement How did Credence Resource Management come into possession of my public and nonpublic personal information and create a collection account with XXXX, XXXX, and XXXX to collect? Is this not made way by false pretenses! Violation! \n15 U.S. Code 6821 - Privacy protection for customer information of financial institutions, 15 U.S. Code 6822 - Administrative enforcement, 15 U.S. Code 6823 - Criminal penalty ( a ) In general Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. \nWhere are my disclosures? Oh, that's right! There are no disclosures for an account opened under false pretenses, then sold to third party collection corporations posing as legal/attorney entities! \n15 U.S. Code 1667a - Consumer lease disclosures Each lessor shall give a lessee prior to the consummation of the lease a dated written statement on which the lessor and lessee are identified setting out accurately and in a clear and conspicuous manner the following information with respect to that lease, as applicable : 15 U.S. Code 1667d - Civil liability of lessors, 15 U.S. Code 1637 - Open end consumer credit plans, 15 U.S. Code 1635 - Right of rescission as to certain transactions : ( a ) Disclosure of obligors right to rescind, 15 U.S. Code 1640 - Civil liability, 15 U.S. Code 1681- Congressional findings and statement of purpose, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance, 15 U.S. Code 1681q - Obtaining information under false pretenses, 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. \n( B ) Determining penalty amount In determining the amount of a civil penalty under subparagraph ( A ), the court shall take into account the degree of culpability, any history of such prior conduct, ability to pay, effect on ability to continue to do business, and such other matters as justice may require. \n( c ) State action for violations ( 1 ) Authority of States ( A ) ( B ) ( i ), ( ii ), ( iii ) damages of not more than {$1000.00} for each willful or negligent violation ; and ( C ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt... \n15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt... \n15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. \n15 U.S. Code 1692k - Civil liability 15 U.S. Code 1692l - Administrative enforcement","date_sent_to_company":"2024-03-17T21:15:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"46202","tags":"Servicemember","has_narrative":true,"complaint_id":"8566203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-03-17T18:33:57.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Code 1681s2 - <em>Responsibilities</em> of <em>furnishers</em> of information to consumer reporting agencies 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive <em>practices</em> There is abundant evidence of the use of abusive, <em>deceptive</em>, and <em>unfair</em> <em>debt</em> <em>collection</em> <em>practices</em> by many <em>debt</em> collectors. Abusive <em>debt</em> <em>collection</em> <em>practices</em> contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n15 U.S."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.430962,"8566203"]},{"_index":"complaint-public-v1","_id":"12020458","_score":16.538418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX and noticed many inaccuracies and violations. My rights have been violated under the Privacy Act of 1974 which states in short that Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a \" There is a need to ensure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CREDIT CORP SOLUTIONS as debt buyer and collection agency has purchased account XXXX ( {$560.00} ) from XXXX XXXX. These are both financial institutions by definition under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that, In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. CREDIT CORP SOLUTIONS and XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, CREDIT CORP SOLUTIONS and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CREDIT CORP SOLUTIONS and XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts contain adverse items they are reporting without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) A, states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e, states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 15 USC 1666b states that, A creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose. Also, 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please Note : 15 USC 1681n ( a ) Civil liability for willful noncompliance states that In general, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 15 U.S. Code 6805a Enforcement states that, In general, Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. A charge off is considered a certificate of indebtedness, so therefore, a certificate of indebtedness is considered income per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report per IRS Publication 4681. Also, Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL. CREDIT CORP SOLUTIONS on behalf of XXXX XXXX  is reporting inaccurate information on my credit reports and XXXX, XXXX and XXXX keep verifying this account when its clearly inaccurate. CREDIT CORP SOLUTIONS on behalf of XXXX XXXX  is a debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so, they didn't follow the proper 5 step validation procedure which make these unfair practices. This letter serves as a DEMAND to validate these accounts : Please provide me with the following : Full accounting for this account, copy of assignment of purchase from the Original Creditor XXXX XXXX every charge and what was purchased, fee, payment and credit interest, how you calculated what you claim I owe CREDIT CORP SOLUTIONS. Full chain of assignments from debt purchase, charge off to present. Proof that you owe the debt with full clear title. Proof that you were on the original contract between XXXX XXXX XXXX and XXXX XXXX. If you can not provide me with ALL the proof requested above, then you must Delete all violations from all three credit reports ASAP that fall under the laws stated in this complaint and update these accounts to PAYED AS AGREED as you are in direct violation of many laws under The Fair Credit Reporting Act and FDCPA. Let me remind you of the law : According to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify these inaccuracies as accurate with the credit bureaus without providing me with all of the items requested, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions. I am also entitled to compensation according to the FDCPA and per 15 USC 1681n ( a ) per violation.","date_sent_to_company":"2025-02-10T18:52:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"139XX","tags":null,"has_narrative":true,"complaint_id":"12020458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Corp Solutions Inc.","date_received":"2025-02-10T18:37:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CREDIT CORP SOLUTIONS on behalf of XXXX XXXX  is a <em>debt</em> collector engaged in abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> of the FDCPA which it prohibits. More so, they didn't follow the proper 5 step validation procedure which make these <em>unfair</em> <em>practices</em>."]},"sort":[16.538418,"12020458"]},{"_index":"complaint-public-v1","_id":"12018601","_score":15.752953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX and noticed many inaccuracies and violations. My rights have been violated under the Privacy Act of XXXX which states in short that Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a \" There is a need to ensure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' PENN CREDIT CORPORATION as debt buyer and collection agency has purchased account XXXX ( {$3900.00} ) from XXXX XXXX XXXX XXXXXXXX XXXX. These are both financial institutions by definition under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that, In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. PENN CREDIT CORPORATION and XXXX XXXX XXXX XXXXXXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, PENN CREDIT CORPORATION and XXXX XXXX XXXX XXXXXXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PENN CREDIT CORPORATION and XXXX XXXX XXXXXXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts contain adverse items they are reporting without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) A, states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e, states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 15 USC 1666b states that, A creditor may not treat a payment on a credit card account under an open end XXXX XXXX plan as late for any purpose. Also, 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please Note : 15 USC 1681n ( a ) Civil liability for willful noncompliance states that In general, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 15 U.S. Code 6805a Enforcement states that, In general, Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. A charge off is considered a certificate of indebtedness, so therefore, a certificate of indebtedness is considered income per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report per IRS Publication XXXX. Also, Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL. PENN CREDIT CORPORATION on behalf of XXXX XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit reports and XXXX, XXXX and XXXX keep verifying this account when its clearly inaccurate. PENN CREDIT CORPORATION on behalf of XXXX XXXX XXXXXXXX XXXX XXXX is a debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so, they didn't follow the proper XXXX step validation procedure which make these unfair practices. This letter serves as a DEMAND to validate these accounts : Please provide me with the following : Full accounting for this account, copy of assignment of purchase from the Original Creditor XXXX XXXX XXXX XXXX XXXX, every charge and what was purchased, fee, payment and credit interest, how you calculated what you claim I owe PENN CREDIT CORPORATION. Full chain of assignments from debt purchase, charge off to present. Proof that you owe the debt with full clear title. Proof that you were on the original contract between XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. If you can not provide me with ALL the proof requested above, then you must Delete all violations from all three credit reports ASAP that fall under the laws stated in this complaint and update these accounts to PAYED AS AGREED as you are in direct violation of many laws under The Fair Credit Reporting Act and FDCPA. Let me remind you of the law : According to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify these inaccuracies as accurate with the credit bureaus without providing me with all of the items requested, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions. I am also entitled to compensation according to the FDCPA and per 15 USC 1681n ( a ) per violation.","date_sent_to_company":"2025-02-10T19:47:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"139XX","tags":null,"has_narrative":true,"complaint_id":"12018601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Penn Credit Corporation","date_received":"2025-02-10T19:37:53.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PENN CREDIT CORPORATION on behalf of XXXX XXXX XXXXXXXX XXXX XXXX is a <em>debt</em> collector engaged in abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> of the FDCPA which it prohibits. More so, they didn't follow the proper XXXX step validation procedure which make these <em>unfair</em> <em>practices</em>."]},"sort":[15.752953,"12018601"]},{"_index":"complaint-public-v1","_id":"12019693","_score":15.744642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX and noticed many inaccuracies and violations. My rights have been violated under the Privacy Act of XXXX which states in short that Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a \" There is a need to ensure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' NATIONAL CREDIT SYSTEM as debt buyer and collection agency has purchased account XXXX ( {$9800.00} ) from XXXX XXXX XXXX XXXX XXXX. These are both financial institutions by definition under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that, In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts contain adverse items they are reporting without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) A, states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e, states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 15 USC 1666b states that, A creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose. Also, 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please Note : 15 USC 1681n ( a ) Civil liability for willful noncompliance states that In general, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 15 U.S. Code 6805a Enforcement states that, In general, Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. A charge off is considered a certificate of indebtedness, so therefore, a certificate of indebtedness is considered income per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report per IRS Publication 4681. Also, Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL. NATIONAL CREDIT SYSTEM on behalf of XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit reports and XXXX, XXXX and XXXX keep verifying this account when its clearly inaccurate. NATIONAL CREDIT SYSTEM on behalf of XXXX XXXX XXXX XXXX XXXX is a debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so, they didn't follow the proper 5 step validation procedure which make these unfair practices. This letter serves as a DEMAND to validate these accounts : Please provide me with the following : Full accounting for this account, copy of assignment of purchase from the Original Creditor XXXX XXXX XXXX XXXX XXXX, every charge and what was purchased, fee, payment and credit interest, how you calculated what you claim I owe NATIONAL CREDIT SYSTEM. Full chain of assignments from debt purchase, charge off to present. Proof that you owe the debt with full clear title. Proof that you were on the original contract between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. If you can not provide me with ALL the proof requested above, then you must Delete all violations from all three credit reports ASAP that fall under the laws stated in this complaint and update these accounts to PAYED AS AGREED as you are in direct violation of many laws under The Fair Credit Reporting Act and FDCPA. Let me remind you of the law : According to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify these inaccuracies as accurate with the credit bureaus without providing me with all of the items requested, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions. I am also entitled to compensation according to the FDCPA and per 15 USC 1681n ( a ) per violation.","date_sent_to_company":"2025-02-10T19:37:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"139XX","tags":null,"has_narrative":true,"complaint_id":"12019693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-02-10T18:54:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NATIONAL CREDIT SYSTEM on behalf of XXXX XXXX XXXX XXXX XXXX is a <em>debt</em> collector engaged in abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> of the FDCPA which it prohibits. More so, they didn't follow the proper 5 step validation procedure which make these <em>unfair</em> <em>practices</em>."]},"sort":[15.744642,"12019693"]},{"_index":"complaint-public-v1","_id":"11343386","_score":15.7377615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX and noticed many inaccuracies and violations. My rights have been violated under the Privacy Act of 1974 which states in short that Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a \" There is a need to ensure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SECURITY CREDIT SERV as debt buyer and collection agency has purchased account XXXX ( {$14000.00} ) from XXXX XXXX XXXX XXXX. These are both financial institutions by definition under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that, In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and XXXX, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX, XXXX, SECURITY CREDIT SERV and XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. SECURITY CREDIT SERV and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts contain adverse items they are reporting without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) A, states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e, states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX  and XXXX are not maintaining reasonable procedures. 15 USC 1666b states that, A creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose. Also, 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please Note : 15 USC 1681n ( a ) Civil liability for willful noncompliance states that In general, Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 15 U.S. Code 6805a Enforcement states that, In general, Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. A charge off is considered a certificate of indebtedness, so therefore, a certificate of indebtedness is considered income per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report per IRS Publication 4681. Also, Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL. SECURITY CREDIT SERV on behalf of XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit reports and XXXX, XXXX and XXXX keep verifying this account when its clearly inaccurate. SECURITY CREDIT SERV on behalf of XXXX XXXX XXXX XXXX is a debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so, they didn't follow the proper XXXX step validation procedure which make these unfair practices. This letter serves as a DEMAND to validate these accounts : Please provide me with the following : Full accounting for this account, copy of assignment of purchase from the Original Creditor XXXX XXXX XXXX XXXX, every charge and what was purchased, fee, payment and credit interest, how you calculated what you claim I owe SECURITY CREDIT SERV. Full chain of assignments from debt purchase, charge off to present. Proof that you owe the debt with full clear title. Proof that you were on the original contract between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. If you can not provide me with ALL the proof requested above, then you must Delete all violations from all three credit reports ASAP that fall under the laws stated in this complaint and update these accounts to PAYED AS AGREED as you are in direct violation of many laws under The Fair Credit Reporting Act and FDCPA. Let me remind you of the law : According to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify these inaccuracies as accurate with the credit bureaus without providing me with all of the items requested, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions. I am also entitled to compensation according to the FDCPA and per 15 USC 1681n ( a ) per violation. Please send payment Via Check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-01T19:49:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"137XX","tags":null,"has_narrative":true,"complaint_id":"11343386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-01-01T19:42:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["SECURITY CREDIT SERV on behalf of XXXX XXXX XXXX XXXX is a <em>debt</em> collector engaged in abusive, <em>deceptive</em>, and <em>unfair</em> <em>practices</em> of the FDCPA which it prohibits. More so, they didn't follow the proper XXXX step validation procedure which make these <em>unfair</em> <em>practices</em>."]},"sort":[15.7377615,"11343386"]},{"_index":"complaint-public-v1","_id":"8402845","_score":11.243872,"_source":{"product":"Debt collection","complaint_what_happened":"PLEASE REMOVE THIS COLLECTION AND DELETE THIS COLLECTION FROM MY CONSUMER REPORT DUE TO ALL THE VIOLATIONS. \nXXXX, : house of XXXX, a woman\nhereinafter claimant, for:\nXXXX  XXXX  hereinafter Alleged Debtor,\nI advise you to read this ENTIRE LETTER. Disregarding information in this letter means \nthat you can be subject to a XXXX fine and/or litigation for not reserving my rights under \nU.C.C. 1-308.4 (I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform \nunder any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC.) Claimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection activities and removal of adverse information on my consumer report; in commerce; (3) An unrebutted affidavit stands as judgment in commerce; (4) A matter must be expressed to be resolved; (5) A claim can be satisfied only through (a) a rebuttal by counter affidavit point by point; (b) resolution by a jury; or (c) payment (payment means discharging this debt and cease and desist all collection activities) Claim: claimant's offer to perform (pay with Federal Reserve Notes) upon PROPER AND COMPLETE DEBT VALIDATION; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE STATEMENT; PURSUANT TO TITLE 15 U.S. CODE 1692g; Claimant requesting documentation showing where I signed an agreement or contract where I was given FULL DISCLOSURE; Claimant requesting documentation disclosing EQUAL CONSIDERATION; Claimant requesting documentation where COMPANY/CORPORATION has my WET INK SIGNATURE, including where COMPANY/CORPORATION signed agreement/contract and not a third-party representative; NOTICE: THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS; Silence is Acquiescence, Agreement, and Dishonor; Estoppel conditions apply upon default; Notice to Respondeat Inferior is Notice to Respondeat Superior Notice to Respondeat Superior is Notice to Respondeat Inferior XXXX XXXX XXXX: XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nDate: XXXX\nFrom: XXXX XXXX XXXX, a living woman\nc/o XXXX XXXX XXXX XXXX XXXX, on FL near XXXX  \nNon-Domestic\nTo: Current CEO of DISCOVER BANK  c/o DISCOVER  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nCease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-\n308.4\nAlleged Creditor: DISCOVER BANK \nAlleged Account: XXXX\nAlleged Amount:$5500.00\nThis letter is meant for the CEO and no other person is permitted to answer to this matter. Any \neffort to do so will be considered mail fraud and tampering with the mail which also holds \npossible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 \nU.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than \nthe CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. \nTreasury.\nDear CEO of DISCOVER BANK\nIt has recently come to my attention that contracts were created without my KNOWLEDGE \nwhen the alleged ID number and alleged bank account was established with a DISCOVER \nBANK which may invalidate and violate my rights pursuant to U.C.C. 1-308.4\nCollection Agency has not provided validation Information under 12 CFR 1006.34(b)(5) \nbut yet they placed a collection on your consumer\nYou have not been given a chance to dispute account according to 22 CFR 1006.34(c)(4)()\nCollection agency is violating your consumer rights by using false misleading,\nmisrepresentation and deceptive means.\nCollection agency has no authority to furnish any account to a consumer reporting \nagencies without providing any and all disclosures required by law and they are in clear\nviolation of\n12 CFR 1006.34(d) and 15 USC 1681-S\n2(A)\nXXXX XXXX XXXX: XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nI, XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections \nPractices Act 15 USC 1692g, to inform you that I protest the alleged debt and alleged \naccount/account/negative activity/ statement associated with (reference accounts above) with \nDISCOVER BANK do not believe that the Natural Person XXXX XXXX signed a \ncontract with your private corporation stating I allegedly lawfully owe a debt operating under the \nname DISCOVER BANK or I do not believe there has been an established KNOWN agreement \nand believe nothing exists.\nFor The Record and Let This Record Reflect,\n So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT \nAND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such \nAlleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following \ninformation; until this protest of this alleged debt owed can be proven that this alleged so-called \nvalidated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 \nstatues. If you refused to answer back in the allotted XXXX (XXXX) days of the FDCPA rules and \nregulations, if unrebutted a Tacit Acquiescence will commence against you and give rise to a \ncivil action against you for several violations of consumer protection and securities laws for \nfraud.\nWhereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and \nonly most high of creation only, whoever that may be, and I depose the following facts, so be it, \nnow present: \nIf you disagree with my determination, I will expect you to document your position and authority \nwith a counter affidavit point by point to the following expressed truths below: \nPLAIN STATEMENT OF FACTS\nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, I am a federally \nprotected consumer, holder in due course, attorney, for any and all derivatives thereof for the \nsurname/given name and I have been appointed and accept being the executor both public and \nprivate for all matters proceeding, and I hereby claim that I will autograph for my given name, \nXXXX XXXX and as the agent and administrator in fact. \nNotice, it is fact, unless DISCOVER BANK can provide a policy or state law which shows that \nthe aforementioned policy or state law supersedes federal law, I hereby invoke the law of \npresumption and invoke federal law in to address the subject matter in the affidavit herein. XXXX XXXX XXXX: XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nNotice, it is a fact that, I, agent for principal DISCOVER BANK am aware that DISCOVER \nBANK is a debt collector here is the legal definition. Pursuant to 15 U.S. Code  1692(a)(6), a \ndebt collector is any person who uses instrumentality of interstate commerce or the mails in any \nbusiness the principal purpose of which is the collection of any debts, or who regularly collects \nor attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due \nanother. See Exhibit (A) \nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, has received a \nstatement including the subject matter of an attempt to collect an alleged debt for the Account \nnumber ending in  XXXX Notice, it is a fact that, I, agent for principal XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such \nalleged debt(s).\nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing \nthis alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S. Code  \n1692c(c)(2) and pursuant to 15 U.S. Code  1692c(c) I demand you to cease any \ncommunications and collection activity of this alleged debt until you can provide me with the \nrequested information in this affidavit herein. \nNotice, it is a fact, that, I, agent for principal XXXX XXXX  and affiant, has reason to \nbelieve and do so believes, in order to assess your proof of claim in association with this alleged \ndebt all documents requested in this affidavit must be given to I the affiant in order to establish \nproof of claim that an alleged debt is owed. intro/introduction law of presumption/ federal law \nsupersedes state law owes no debt cease and desist proof of claim, return all documents.\nNotice, it is a fact, that, I, agent for principal XXXX XXXX  demand a full file disclosure \nin pursuant to 15 U.S. Code  1681g and all other documentary evidence, including books of \naccount, both journal and ledger in accordance with 15 U.S. Code  44 and IRS publication 583 \nincluding any and all accounts made using my intellectual property, my signature, associated \nwith this account, so be it. Without this I cannot verify any valid claims of alleged debts in the \nname of the principal obligor. See Exhibit (A) \nNotice, it is a fact, that, I, agent for principal XXXX XXXX demand a statement under \npenalty of perjury stating that the bank in fact loaned the associated debt money from their own \nassets in order to verify there is in fact a proof of claim of this debt. Without this I cannot verify \nany valid claims of alleged debts in the name of my principal obligor. \nNotice, it is a fact, that, I, agent for principal XXXX XXXX  and affiant, has reason to \nbelieve and do so believes, without all requested documents in the affidavit herein there can be \nno proof of claim by DISCOVER BANK and DISCOVER BANK would be liable for creating a \nfalse and deceptive form under 15 U.S. Code  1692j. See Exhibit (A) Notice, it is a fact, without \nan affidavit response with rebuttal, point for point, then I am conditionally accepting your nonreasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I \nthe consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit\nstands a truth in commerce.\nXXXX XXXX XXXX XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nFact 1: I have not seen or been presented with admissible evidence which demonstrates that XXXX XXXX owes an alleged debt in the state in which the company itself resides \nand it is not required to adhere to Title 15 U.S. Code 1692b(2) and Title 18 U.S. Code 241 , and \nI believe that none exists. \nFact 2: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT practiced abusive, deceptive, unfair debt collection practices and \nis not required to adhere to Title 15 U.S. Code 1692(a), and I believe that none exists. \nFact 3: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK was given prior consent to communicate with me (communication means \nany medium including credit reporting agency), HAS NOT communicated with me at hours and \ntimes not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c(1) and Title \n15 U.S. Code 1692c(a)(1), and I believe that none exists. \nFact 4: I have not seen or been presented with admissible evidence which demonstrates that DISCOVER BANK HAS NOT used the profane language This Is Communication From A Debt Collector or the like/similar on mailed communications with me, HAS NOT put their logo on mailed communications with me that cause me mental anguish and not required to adhere to\nTitle 15 U.S. Code 1692d(2), and I believe none exists. \nFact 5: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK has sent me, the consumer, initial written communication of the alleged debt, \nthat the alleged debt will be reporting on my credit report and not required to adhere to Title 15 \nU.S. Code 1692e(11), and I believe none exists.\nFact 6: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK is not required to adhere to Title 18 U.S. Code 241, and I believe that none \nexists.\nFact 7: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK is not required to adhere to Title 15 U.S. Code 1681o, and I believe that \nnone exists.\nFact 8: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK has properly validated this alleged debt by providing copies of actual \naccounting, providing a signed INVOICE, a copy of a contract binding both parties (me and you) \nwith wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe \nthat none exists. \nFact 9: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK WILL NOT be harmed in any way by ceasing and desisting collection \nactivities, and believe none exists. \nFact 10: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT caused me financial injuries, damages, mental anguish, and \nXXXX XXXX XXXX XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nlosses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND \nSTATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. \nUNDISPUTED CONCLUSIONS\nTitle 15 USC Chapter 41  Consumer Credit Protection  Subchapter III  Credit Reporting \nAgencies   1681 is an act of Congress designed to protect natural persons (1692a says that \nthe term consumer means any natural person obligated or allegedly obligated to pay \nany debt.) from abusive collection agency practices.\nNOTICE\nNotice to the Agent is notice to the principle. \nNotification of legal responsibility is the first essential of due process of law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nYour silence stands as consent and tacit approval to this regard. If no rebutted reply point by \npoint is delivered within XXXX  days you are agreeing to the foregoing and are legally estopped \npursuant to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, silence activities estopped.\nI hereby reserve the right to make amendments to this document as necessary in order that the \ntruth may be ascertained and justly determined.\nIf any living body has information that will controvert and overcome this Declaration please \nadvise me in writing by counter Declaration in affidavit form within XXXX  days form receipt thereof \nproving that this Affidavit is substantially false.\nI, the undersigned, do herewith declare, state and say that I am competent by stating the \nmatters set forth herein and that the contents are true, correct, complete, and admissible as \nevidence, and not misleading by my best knowledge and belief.\nXXXX XXXX XXXX XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nThis document may be recorded and may be used at the discretion of its issuer under Rule 902 \nof the Federal Rules of Evidence including the jurisdiction of the State of FLORIDA and the \nUnited States of America \nReminder: This letter is meant for the CEO and no other person is permitted to answer this \nmatter. Any effort to do so will be considered mail fraud and tampering with the mail which also \nholds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, \nTitle 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail \nother than the CEO or acting CEO of this corporation will also personally be named in the lien \nwith the U.S. Treasury.\nMy authority for making this demand for verification of your authority has been well established \nas follows: \"Whatever the form in which the Government functions, anyone entering into an \narrangement with the Government takes the risk of having accurately ascertained that he who \npurports to act for the Government stays within the bounds of his authority... and this is so even \nthough, as here, the agent(s) may have been unaware of the limitations upon their authority.\"\nFederal Crop Insurance Corporation v. Merrill, 332 U.S. 380 at 384 (1947).\nShould you consider my position in error, please respond within the next XXXX  days with your \nreasons why. You have XXXX days to respond to the correspondence or you and your company \nwill commit fraud. \nA claim can be satisfied only through (a) a rebuttal by counter affidavit point by point; (b) \nresolution by a jury; or (c) payment (payment means the amount on the tender that was \nsent to your company)\nThank you for your cooperation and attention to this matter.\n \nIn My Honor in Good Faith for the Record, \nAutograph: _____________________________ Date: _________________________\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C.1-103.6\nATTESTATION\nThe facts stated above are true, correct and complete.\nSigned by: _______________________ Subscribed and Sworn before me this______ \n Day of______________________, 2______ .\n The State of________________________\n County of___________________________\n________________________________ _____________________________________\nPrint Name & Title Signature of Notary \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\n(Notary Seal) \nHear Ye, Hear, Ye, Hear Ye:\nthis is a binding, self-executing contract between claimant and RESPONDEAT INFERIOR\nUnderwriter/Surety Notice: this instrument is non-negotiable unrebuttably instant claim for claimant's lawful lien, seizure, and liquidation (as required) of full penal value of all RESPONDEAT INFERIORs bonds and other security assets, to be escrowed, by and for the resulting breach of trust by RESPONDEAT INFERIOR; UPU Treaty Notice: This instrument constitutes Official Mail under regulations and jurisdiction of Universal Postal Union including the duties, obligations and penalties of Private Mail Carriers.","date_sent_to_company":"2024-02-22T19:27:05.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32703","tags":null,"has_narrative":true,"complaint_id":"8402845","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-02-22T19:20:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Fact 2: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT practiced abusive, <em>deceptive</em>, <em>unfair</em> <em>debt</em> <em>collection</em> <em>practices</em> and \nis not required to adhere to Title 15 U.S. Code 1692(a), and I believe that none exists."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[11.243872,"8402845"]},{"_index":"complaint-public-v1","_id":"8376869","_score":11.070045,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, : XXXX XXXX XXXXXXXX, a woman\nhereinafter claimant, for: XXXX XXXX  hereinafter Alleged Debtor,\nI advise you to read this ENTIRE LETTER. Disregarding information in this letter means \nthat you can be subject to a XXXX fine and/or litigation for not reserving my rights under U.C.C. 1-308.4 (I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform \nunder any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, \nAND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or \nany unrevealed contact or commercial agreement. I have a right to sue you under the Common \nLaw for violating my rights under the UCC.)\nClaimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection \nactivities and removal of adverse information on my consumer report; in commerce; (3) \nAn unrebutted affidavit stands as judgment in commerce; (4) A matter must be \nexpressed to be resolved; (5) A claim can be satisfied only through (a) a rebuttal by \ncounter affidavit point by point; (b) resolution by a jury; or (c) payment (payment means \ndischarging this debt and cease and desist all collection activities)\nClaim: claimant's offer to perform (pay with Federal Reserve Notes) upon PROPER AND \nCOMPLETE DEBT VALIDATION; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE \nSTATEMENT; PURSUANT TO TITLE 15 U.S. CODE 1692g; Claimant requesting \ndocumentation showing where I signed an agreement or contract where I was given FULL \nDISCLOSURE; Claimant requesting documentation disclosing EQUAL CONSIDERATION; \nClaimant requesting documentation where COMPANY/CORPORATION has my WET INK \nSIGNATURE, including where COMPANY/CORPORATION signed agreement/contract and not \na third-party representative;\nNOTICE: THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS \nPRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING \nLAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER \nOR OBSTRUCT ANY LAWFUL OPERATIONS;\nSilence is Acquiescence, Agreement, and Dishonor; Estoppel conditions apply upon default;\nNotice to Respondeat Inferior is Notice to Respondeat Superior\nNotice to Respondeat Superior is Notice to Respondeat Inferior\nXXXX Envelope ID: XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6 Date: XXXX\nFrom: XXXX XXXX XXXX, a living woman\nc/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX near XXXX  \nNon-Domestic\nTo: Current CEO of DISCOVER BANK c/o DISCOVER BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX\nCease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1- 308.4 Alleged Creditor: DISCOVER BANK Alleged Account: XXXX  Alleged Amount:$XXXX\nThis letter is meant for the CEO and no other person is permitted to answer to this matter. Any \neffort to do so will be considered mail fraud and tampering with the mail which also holds \npossible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 \nU.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than \nthe CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. \nTreasury.\nDear CEO of DISCOVER BANK It has recently come to my attention that contracts were created without my KNOWLEDGE \nwhen the alleged ID number and alleged bank account was established with a DISCOVER \nBANK which may invalidate and violate my rights pursuant to U.C.C. 1-308.4\nCollection Agency has not provided validation Information under 12 CFR 1006.34(b)(5) \nbut yet they placed a collection on your consumer\nYou have not been given a chance to dispute account according to 22 CFR 1006.34(c)(4)()\nCollection agency is violating your consumer rights by using false misleading,\nmisrepresentation and deceptive means.\nCollection agency has no authority to furnish any account to a consumer reporting \nagencies without providing any and all disclosures required by law and they are in clear\nviolation of\n12 CFR 1006.34(d) and 15 USC 1681-S\n2(A)\nXXXX Envelope ID: XXXXXXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nI, XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections \nPractices Act 15 USC 1692g, to inform you that I protest the alleged debt and alleged \naccount/account/negative activity/ statement associated with (reference accounts above) with \nDISCOVER BANK do not believe that the Natural Person XXXX XXXX  signed a \ncontract with your private corporation stating I allegedly lawfully owe a debt operating under the \nname DISCOVER BANK or I do not believe there has been an established KNOWN agreement \nand believe nothing exists.\nFor The Record and Let This Record Reflect,\n So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT \nAND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such \nAlleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following \ninformation; until this protest of this alleged debt owed can be proven that this alleged so-called \nvalidated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 \nstatues. If you refused to answer back in the allotted Thirty (30) days of the FDCPA rules and \nregulations, if unrebutted a Tacit Acquiescence will commence against you and give rise to a \ncivil action against you for several violations of consumer protection and securities laws for \nfraud.\nWhereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and \nonly most high of creation only, whoever that may be, and I depose the following facts, so be it, \nnow present: \nIf you disagree with my determination, I will expect you to document your position and authority \nwith a counter affidavit point by point to the following expressed truths below: \nPLAIN STATEMENT OF FACTS\nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, I am a federally \nprotected consumer, holder in due course, attorney, for any and all derivatives thereof for the \nsurname/given name and I have been appointed and accept being the executor both public and \nprivate for all matters proceeding, and I hereby claim that I will autograph for my given name, \nXXXX XXXX and as the agent and administrator in fact. \nNotice, it is fact, unless DISCOVER BANK can provide a policy or state law which shows that \nthe aforementioned policy or state law supersedes federal law, I hereby invoke the law of \npresumption and invoke federal law in to address the subject matter in the affidavit herein. \nXXXX Envelope ID: XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nNotice, it is a fact that, I, agent for principal DISCOVER BANK am aware that DISCOVER \nBANK is a debt collector here is the legal definition. Pursuant to 15 U.S. Code  1692(a)(6), a \ndebt collector is any person who uses instrumentality of interstate commerce or the mails in any \nbusiness the principal purpose of which is the collection of any debts, or who regularly collects \nor attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due \nanother. See Exhibit (A) \nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, has received a \nstatement including the subject matter of an attempt to collect an alleged debt for the Account \nnumber ending in  XXXX  Notice, it is a fact that, I, agent for principal XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such \nalleged debt(s).\nNotice, it is a Fact, that, I, agent for principal XXXX XXXX and affiant, am disputing \nthis alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S. Code  \n1692c(c)(2) and pursuant to 15 U.S. Code  1692c(c) I demand you to cease any \ncommunications and collection activity of this alleged debt until you can provide me with the \nrequested information in this affidavit herein. \nNotice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to \nbelieve and do so believes, in order to assess your proof of claim in association with this alleged \ndebt all documents requested in this affidavit must be given to I the affiant in order to establish \nproof of claim that an alleged debt is owed. intro/introduction law of presumption/ federal law \nsupersedes state law owes no debt cease and desist proof of claim, return all documents.\nNotice, it is a fact, that, I, agent for principal XXXX XXXX  demand a full file disclosure \nin pursuant to 15 U.S. Code  1681g and all other documentary evidence, including books of \naccount, both journal and ledger in accordance with 15 U.S. Code  44 and IRS publication 583 \nincluding any and all accounts made using my intellectual property, my signature, associated \nwith this account, so be it. Without this I cannot verify any valid claims of alleged debts in the \nname of the principal obligor. See Exhibit (A) \nNotice, it is a fact, that, I, agent for principal XXXX XXXX demand a statement under \npenalty of perjury stating that the bank in fact loaned the associated debt money from their own \nassets in order to verify there is in fact a proof of claim of this debt. Without this I cannot verify \nany valid claims of alleged debts in the name of my principal obligor. \nNotice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to \nbelieve and do so believes, without all requested documents in the affidavit herein there can be \nno proof of claim by DISCOVER BANK and DISCOVER BANK would be liable for creating a \nfalse and deceptive form under 15 U.S. Code  1692j. See Exhibit (A) Notice, it is a fact, without \nan affidavit response with rebuttal, point for point, then I am conditionally accepting your nonreasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I \nthe consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit\nstands a truth in commerce.\nXXXX Envelope ID: XXXXXXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nFact 1: I have not seen or been presented with admissible evidence which demonstrates that \nXXXX XXXX owes an alleged debt in the state in which the company itself resides \nand it is not required to adhere to Title 15 U.S. Code 1692b(2) and Title 18 U.S. Code 241 , and \nI believe that none exists. \nFact 2: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT practiced abusive, deceptive, unfair debt collection practices and \nis not required to adhere to Title 15 U.S. Code 1692(a), and I believe that none exists. \nFact 3: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK was given prior consent to communicate with me (communication means \nany medium including credit reporting agency), HAS NOT communicated with me at hours and \ntimes not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c(1) and Title \n15 U.S. Code 1692c(a)(1), and I believe that none exists. \nFact 4: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT used the profane language This Is Communication From A \nDebt Collector or the like/similar on mailed communications with me, HAS NOT put their logo \non mailed communications with me that cause me mental anguish and not required to adhere to\nTitle 15 U.S. Code 1692d(2), and I believe none exists. \nFact 5: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK has sent me, the consumer, initial written communication of the alleged debt, \nthat the alleged debt will be reporting on my credit report and not required to adhere to Title 15 \nU.S. Code 1692e(11), and I believe none exists.\nFact 6: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK is not required to adhere to Title 18 U.S. Code 241, and I believe that none \nexists.\nFact 7: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK is not required to adhere to Title 15 U.S. Code 1681o, and I believe that \nnone exists.\nFact 8: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK has properly validated this alleged debt by providing copies of actual \naccounting, providing a signed INVOICE, a copy of a contract binding both parties (me and you) \nwith wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe \nthat none exists. \nFact 9: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK WILL NOT be harmed in any way by ceasing and desisting collection \nactivities, and believe none exists. \nFact 10: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT caused me financial injuries, damages, mental anguish, and \nXXXX Envelope ID: XXXX  Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nlosses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND \nSTATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. \nUNDISPUTED CONCLUSIONS\nTitle 15 USC Chapter 41  Consumer Credit Protection  Subchapter III  Credit Reporting \nAgencies   1681 is an act of Congress designed to protect natural persons (1692a says that \nthe term consumer means any natural person obligated or allegedly obligated to pay \nany debt.) from abusive collection agency practices.\nNOTICE\nNotice to the Agent is notice to the principle. \nNotification of legal responsibility is the first essential of due process of law.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nYour silence stands as consent and tacit approval to this regard. If no rebutted reply point by \npoint is delivered within 30 days you are agreeing to the foregoing and are legally estopped \npursuant to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, silence activities estopped.\nI hereby reserve the right to make amendments to this document as necessary in order that the \ntruth may be ascertained and justly determined.\nIf any living body has information that will controvert and overcome this Declaration please \nadvise me in writing by counter Declaration in affidavit form within 30 days form receipt thereof \nproving that this Affidavit is substantially false.\nI, the undersigned, do herewith declare, state and say that I am competent by stating the \nmatters set forth herein and that the contents are true, correct, complete, and admissible as \nevidence, and not misleading by my best knowledge and belief. XXXX Envelope ID: XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\nThis document may be recorded and may be used at the discretion of its issuer under Rule 902 \nof the Federal Rules of Evidence including the jurisdiction of the State of FLORIDA and the \nUnited States of America \nReminder: This letter is meant for the CEO and no other person is permitted to answer this \nmatter. Any effort to do so will be considered mail fraud and tampering with the mail which also \nholds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, \nTitle 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail \nother than the CEO or acting CEO of this corporation will also personally be named in the lien \nwith the U.S. Treasury.\nMy authority for making this demand for verification of your authority has been well established \nas follows: \"Whatever the form in which the Government functions, anyone entering into an \narrangement with the Government takes the risk of having accurately ascertained that he who \npurports to act for the Government stays within the bounds of his authority... and this is so even \nthough, as here, the agent(s) may have been unaware of the limitations upon their authority.\"\nFederal Crop Insurance Corporation v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX).\nShould you consider my position in error, please respond within the next 30 days with your \nreasons why. You have 30 days to respond to the correspondence or you and your company \nwill commit fraud. \nA claim can be satisfied only through (a) a rebuttal by counter affidavit point by point; (b) \nresolution by a jury; or (c) payment (payment means the amount on the tender that was \nsent to your company)\nThank you for your cooperation and attention to this matter.\n \nIn My Honor in Good Faith for the Record, \nAutograph: _____________________________ Date: _________________________\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C.1-103.6\nATTESTATION\nThe facts stated above are true, correct and complete.\nSigned by: _______________________ Subscribed and Sworn before me this______ \n Day of______________________, 2______ .\n The State of________________________\n County of___________________________\n________________________________ _____________________________________\nPrint Name & Title Signature of Notary \nXXXX Envelope ID: XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nWithout Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6\n(Notary Seal) \nHear Ye, Hear, Ye, Hear Ye:\nthis is a binding, self-executing contract between claimant and RESPONDEAT INFERIOR\nUnderwriter/Surety Notice: this instrument is non-negotiable unrebuttably instant claim for claimant's lawful lien, \nseizure, and liquidation (as required) of full penal value of all RESPONDEAT INFERIORs bonds and other security \nassets, to be escrowed, by and for the resulting breach of trust by RESPONDEAT INFERIOR; \nUPU Treaty Notice: This instrument constitutes Official Mail under regulations and jurisdiction of Universal Postal \nUnion including the duties, obligations and penalties of Private Mail Carriers.","date_sent_to_company":"2024-02-20T02:42:38.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32703","tags":null,"has_narrative":true,"complaint_id":"8376869","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-02-20T02:26:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Fact 2: I have not seen or been presented with admissible evidence which demonstrates that \nDISCOVER BANK HAS NOT practiced abusive, <em>deceptive</em>, <em>unfair</em> <em>debt</em> <em>collection</em> <em>practices</em> and \nis not required to adhere to Title 15 U.S. Code 1692(a), and I believe that none exists."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[11.070045,"8376869"]},{"_index":"complaint-public-v1","_id":"8282235","_score":10.65472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has violated me as a consumer via 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the XXXX period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.\n\n( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.\n\n( 2 ) Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.\n\n( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.\n\n( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.\n\n( c ) Reasonable procedures to assure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.\n\n( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.\n\n( 2 ) Disclosure of address and telephone number ; format A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 1681b ( e ) of this title ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission , the Federal banking agencies, and the National Credit Union Administration .\n\n( 3 ) Maintaining criteria on file A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the XXXX period beginning on the date on which the offer is made to the consumer. \n\n( 4 ) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.\n\n( e ) Red flag guidelines and regulations required ( 1 ) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the XXXX XXXX days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ).\n\n( 2 ) Criteria ( A ) In general In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.\n\n( B ) Inactive accounts In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than XXXX years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account. \n\n( 3 ) Consistency with verification requirements Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31.\n\n( 4 ) Definitions As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 1681s2 of this title, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.\n\n( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.\n\n( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).\n\n( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.\n\n( g ) Debt collector communications concerning identity theft If a person acting as a debt collector ( as that term is defined in subchapter V ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.\n\n( h ) Duties of users in certain credit transactions ( 1 ) In general Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.\n\n( 2 ) Timing The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ).\n\n( 3 ) Exceptions No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction.\n\n( 4 ) Other notice not sufficient A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection.\n\n( 5 ) Content and delivery of notice A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a ( p ) of this title ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title, used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title.\n\n( 6 ) Rulemaking ( A ) Rules required The Bureau shall prescribe rules to carry out this subsection.\n\n( B ) Content Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.\n\n( 7 ) Compliance A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapte","date_sent_to_company":"2024-02-04T13:20:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32526","tags":null,"has_narrative":true,"complaint_id":"8282235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-04T13:06:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["( 4 ) Authority of Federal agencies regarding <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em> not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em>, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer."]},"sort":[10.65472,"8282235"]},{"_index":"complaint-public-v1","_id":"8282203","_score":10.65472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has violated me as a consumer via 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the XXXX period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.\n\n( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.\n\n( 2 ) Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.\n\n( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.\n\n( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.\n\n( c ) Reasonable procedures to assure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.\n\n( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.\n\n( 2 ) Disclosure of address and telephone number ; format A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 1681b ( e ) of this title ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission , the Federal banking agencies, and the National Credit Union Administration .\n\n( 3 ) Maintaining criteria on file A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the XXXX period beginning on the date on which the offer is made to the consumer. \n\n( 4 ) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.\n\n( e ) Red flag guidelines and regulations required ( 1 ) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the first 30 days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ).\n\n( 2 ) Criteria ( A ) In general In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.\n\n( B ) Inactive accounts In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.\n\n( 3 ) Consistency with verification requirements Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31.\n\n( 4 ) Definitions As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 1681s2 of this title, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.\n\n( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.\n\n( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).\n\n( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.\n\n( g ) Debt collector communications concerning identity theft If a person acting as a debt collector ( as that term is defined in subchapter V ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.\n\n( h ) Duties of users in certain credit transactions ( 1 ) In general Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.\n\n( 2 ) Timing The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ).\n\n( 3 ) Exceptions No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction.\n\n( 4 ) Other notice not sufficient A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection.\n\n( 5 ) Content and delivery of notice A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a ( p ) of this title ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title, used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title.\n\n( 6 ) Rulemaking ( A ) Rules required The Bureau shall prescribe rules to carry out this subsection.\n\n( B ) Content Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.\n\n( 7 ) Compliance A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapte","date_sent_to_company":"2024-02-04T13:20:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32526","tags":null,"has_narrative":true,"complaint_id":"8282203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-04T13:20:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["( 4 ) Authority of Federal agencies regarding <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em> not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em>, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer."]},"sort":[10.65472,"8282203"]},{"_index":"complaint-public-v1","_id":"8282201","_score":10.65472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has violated me as a consumer via 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the XXXX period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.\n\n( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.\n\n( 2 ) Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.\n\n( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.\n\n( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.\n\n( c ) Reasonable procedures to assure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.\n\n( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.\n\n( 2 ) Disclosure of address and telephone number ; format A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 1681b ( e ) of this title ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission , the Federal banking agencies, and the National Credit Union Administration .\n\n( 3 ) Maintaining criteria on file A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the XXXX period beginning on the date on which the offer is made to the consumer. \n\n( 4 ) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.\n\n( e ) Red flag guidelines and regulations required ( 1 ) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the first XXXX days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ).\n\n( 2 ) Criteria ( A ) In general In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.\n\n( B ) Inactive accounts In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.\n\n( 3 ) Consistency with verification requirements Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31.\n\n( 4 ) Definitions As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 1681s2 of this title, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.\n\n( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.\n\n( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).\n\n( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.\n\n( g ) Debt collector communications concerning identity theft If a person acting as a debt collector ( as that term is defined in subchapter V ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.\n\n( h ) Duties of users in certain credit transactions ( 1 ) In general Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.\n\n( 2 ) Timing The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ).\n\n( 3 ) Exceptions No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction.\n\n( 4 ) Other notice not sufficient A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection.\n\n( 5 ) Content and delivery of notice A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a ( p ) of this title ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title, used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title.\n\n( 6 ) Rulemaking ( A ) Rules required The Bureau shall prescribe rules to carry out this subsection.\n\n( B ) Content Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.\n\n( 7 ) Compliance A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapte","date_sent_to_company":"2024-02-04T13:20:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32526","tags":null,"has_narrative":true,"complaint_id":"8282201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-04T13:20:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["( 4 ) Authority of Federal agencies regarding <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em> not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against <em>unfair</em> or <em>deceptive</em> acts or <em>practices</em>, 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