{"took":266,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":41,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7506650","_score":30.289034,"_source":{"product":"Debt collection","complaint_what_happened":"I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits","date_sent_to_company":"2023-09-06T11:41:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"628XX","tags":null,"has_narrative":true,"complaint_id":"7506650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-09-06T11:17:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I received an letter from the resurgent capital services company that was supposed to verify <em>debt</em> but the letters do not include An end date for a 30-day period when you can <em>dispute</em> the <em>debt</em> it <em>also</em> <em>doesnt</em> <em>mention</em> That you can <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid they <em>also</em> <em>dont</em> have the full account number only the last four digits"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[30.289034,"7506650"]},{"_index":"complaint-public-v1","_id":"8150706","_score":13.388147,"_source":{"product":"Student loan","complaint_what_happened":"I have 2 student loans that are currently with Nelnet. They have been mishandled since their inception in XXXX. They are both consolidation loans. I believe one is subsidized and one is unsubsidized. The debt balance is incorrect. According to my records, the balance should be at least {$20000.00} lower. According to my promissory note for the origination of the consolidation of these two loans, which I signed in XXXX XXXX XXXX my beginning balance should have been {$50000.00}. According to Nelnet, my previous lenders, and the FSAID website, my original disbursement on XXXX  was supposedly {$53000.00}. Then, when looking at the payment history that I printed from Navients website ( the company that had my loans before Covid ), my original disbursement/balance on XX/XX/XXXX was {$58000.00}. Then, after paying more than {$25000.00}, over the course of years, on these loans, my balance only continued to go up. While making active payments monthly, my balance only increased. This was NOT during a forbearance or deferment, and I have never had an income-based repayment or any other weird repayment process. The payment history that I mentioned earlier doesnt show a loan balance after each payment. There is no way for me to monitor what happened with the loan or make sense of the numbers. It is incredibly shady and none of the numbers add up. I have been trying to fight this since XXXX. \nOriginally, I was refusing to pay and trying to get Navient to validate the debt. They just kept sending me the promissory note. The promissory note actually proves the debt is inaccurate! It proves the beginning balance to be wrong. They have never sent me any documents that tell what I agreed to pay and for how long. I have no actual loan papers. They just continually told me the loan was accurate and mine, while continuing to bill me. While trying to communicate my concerns, all anybody wanted to do was put me on a plan to get me out of delinquency. I filed a complaint with the FSAID Ombudsman and she eventually, after months, came back and told me that Navient told her the debt was valid! Thats it. No proof or explanation. She clearly didnt investigate anything. Very soon after that, my loans were taken over by the Department of Education because of the Cares Act for Covid. \nLast XXXX my loans came back. Nelnet is now servicing them. The payment has now increased by {$270.00} each month. My payments went from {$410.00} per month to {$680.00} per month! With Navient, my final payment was scheduled for XXXX. Nelnet clearly restructured my loan without any communication with me and without my consent. My newly structured loan was written to have 118 payments and a final payment in XXXX. This cant be legal. The beginning balance for the newly written loan is completely wrong. I am essentially restarting my repayment for my loans with a balance of {$62000.00}. This is {$12000.00} higher than what my original loan balance should have been and I have already paid more than {$25000.00} for it. They are literally billing me for money that I dont owe. To top it off, on the FSAID website, the section that shows how much I have paid to repay my loans, is only showing payments from XX/XX/XXXX to present. As of now, that is only showing 4 payments. It does not show ANY payments between XXXX XXXX XXXX XXXX! This is not a valid debt! \nChoosing not to pay my loans while I disputed them only seemed to make things harder. Nobody listened to me. All anybody would say was that my loans were delinquent and they wanted to get me into a program to get them out of delinquency. It also got my loans passed around and made it impossible to handle. So, I have chosen to continue to put a hardship on my family and make the payments on these fraudulent loans until somebody helps me. This is not how it should be. When a loan is disputed, it should be placed on an administrative forbearance until the dispute is completed. However, I have been informed that they wont do that. Unfortunately, I also havent been able to get anybody to help me. In XXXX I sent Nelnet a dispute letter and I filed a complaint with the Ombudsman with the FSAID again. It has been almost 3 months and I have heard nothing from either of them. Right after filing with the Ombudsman I received an email informing me that I have filed a complaint and telling me my case number. There has been no communication since. After Nelnet received my dispute letter, they also sent me an email. The email said to continue making payments and that I would receive further communication within 15 to 20 days. I have received no further communication. Before my XXXX payment, I called their customer service department. I was on hold for 2.5 hours before I finally talked to somebody. One of the people I spoke to, named XXXX, confirmed that the dispute was still being worked on and that it would take 10 to 12 weeks. She encouraged me to apply for an income-based repayment. She said that even though my loans are FFELP loans, they qualify for all the IBR programs because the Cares Act made them belong to the Department of Education. I gave her an estimate of my income and she said I qualified and encouraged me to apply through the website. The website application process told me I qualified for an IDR and that my payments would be reduced by about {$250.00} per month. Within about a week, I received a letter telling me that I dont qualify, and it didnt say why! \nI am completely at the mercy of these corrupt school loan servicing companies. At this point, if I could sue, I would. Originally, all I wanted was for somebody to figure out the legitimate balance of my loans and rework a payment plan that would actually pay things down. That answer is no longer good enough for me. These companies need to be held accountable! \nIn the past, I also tried to get the Credit Bureaus in on it. I asked them to remove the debt from my credit reports until they could validate the debt. They always just wrote back saying that the debt is valid. They clearly did no investigation work either. They also should be held accountable.","date_sent_to_company":"2024-01-12T00:45:59.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80020","tags":null,"has_narrative":true,"complaint_id":"8150706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-01-12T00:06:17.000Z","state":"CO","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["In the past, I <em>also</em> tried to get the Credit Bureaus in on it. I asked them to remove the <em>debt</em> from my credit reports until they could validate the <em>debt</em>. They always just wrote back saying that the <em>debt</em> is valid. They clearly did no investigation work either. They <em>also</em> should be held accountable."]},"sort":[13.388147,"8150706"]},{"_index":"complaint-public-v1","_id":"6170136","_score":12.743458,"_source":{"product":"Debt collection","complaint_what_happened":"Thank You for looking at my efforts to resolve this situation with Credit Corp Solutions , Inc. I sent two debt validation letters, but Credit Corp Solutions , Inc failed to respond and send me ANY information to validate this debt. The company sent me papers in XX/XX/XXXX suing me in Court. Recently, I received a letter that I have a court date on XX/XX/XXXX. I believe that Credit Corp Solutions , Inc is in direct violation the FDCA and I wish to resolve this issue expedidoustly by them validating this debt. Look, I do not think you can trust this company. They have over a 163 complaints in your database. Here is the letter I sent to them. \n\nDebt Validation/Requesting Authorization & Validation of Any Debt You Say I Owe AFFIDAVIT OF TRUTH AND FACTS XX/XX/XXXX Credit Corp Solutions , Inc. needs to establish Validation/Ownership of Debt, establish your legal right to collect my information, & demand payment since youre reporting this debt on my Consumer Report. \n\nCredit Corp Solutions , Inc. needs to establish Validation/Ownership of the alleged debt you say I owe along with your legal right to collect this alleged debt and demand payment since youre reporting this debt on my Consumer Report. \n\nCredit Corp Solutions , Inc. understands all the laws regarding the FDCPA in accordance with 15 US 1692, the Fair Credit Billing Act, my states Fair Debt Collection Practice Act, the Fair Credit Reporting Act Section 623, Section 617, Box Section 605, 605A, and 608.\n\nCredit Corp Solutions , Inc. admits they have FIRSTHAND KNOWLEDGE that is in question the Original Creditors name and all general accepting account procedures and policies that require to COLLECT this debt. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Corp Solutions , Inc. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Document : XXXX XXXX XXXX : XXXX XXXX Dated Filed : XX/XX/XXXXXXXX XXXX XXXX Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Credit Corp Solutions , Inc., I have never heard of you or your company. As a matter of fact, I have no idea who you are. Im not playing No Games! So let me get straight to the point and set the expectations up front because Ive never done any business with you, ( Credit Corp Solutions , Inc. ) Who are You! I dispute ANY DEBT you say I owe your company, any of your clients, customers, or whoever youre collecting for! Furthermore, I Dispute owing any Debt associated with you! Please note that this is not a refusal to pay off the amount, but a notice sent as per the Fair Debt Collection Practice Act ( FDCPA ) ,15 USC 1692 ( G ) Section 809 ( B ). This notice is NOT a request for verification of the account or proof of any mailing address, but a request for VALIDATION made pursuant to the FDCPA laws. I humbly request that your agency/office send me valid proof of the claim that I am legally obligated to pay you. As you know already, failure to comply with the FDCPA will put your company in a bad position with the FTC. \n\nPlease provide me with the below mentioned items : *The amount of the debt. \n*The name of the creditor to whom the debt is owed. \n*A statement that unless the consumer, within thirty days after receipt of notice, disputes the Validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. \n*A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification of judgment will be mailed to the consumer by debt collector ; and *A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different, from the current creditor. \n*An explanation showing me how you have computed the amount *Copies of any documents that prove I agreed to pay the alleged amount *The identity of all the original creditor *Copies of all letters sent to me from you and from the original creditor *How much did you buy the debt for *Copy of the application for credit as I need to see exactly what debt you are trying to collect *Copy of the cardholder agreement ( the contract ) and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me *Monthly statements from when I had a XXXX balance up to the final statement because I need to see all the charges, payments, credits, etc. to compare this with the cardholder agreement and see if the amount you are claiming is correct. \n*What is your authority to collect this debt as I have never done business with you. If you claim to any debt, you claim I owe, give me the full purchase agreement so I can see if you really own this debt. \n*Every charge and what was purchased, fee, payment, credit, & interest *What fees/interest was tacked onto the debt *How were the fees determined/How you calculated what you claim I owe *Complete payment history ; the requirement of which has been establish by Spears v Brennan, 745 N.E.2d 862 ( XXXX ) XXXX XXXX. XXXX XXXX. Please provide verification by line item ( with the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. \n*Date of Last Activity *My full, complete and correct social number that may help to identify me as the correct person you are trying to collect from. \n*Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. \n*The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. \nProof of photo identification ( i. e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. \nProof that this debt has not been written off as tax liability. \nAny other intimate knowledge of the creation of the debt by you, the collection agency. \n*Was this Debt Purchased or Assigned?\n\n*Date of Original Delinquency ( You should have this ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. Please notify me of a time and place so both you and I for the above referenced inspection or you can send it in the mail. Please not a remnant of a Bill of Itemized Document DOESNT Constitute Validation and please provide proper documentation bearing my signature showing that I have a Legal Binding Contractual obligation to pay this alleged account. Also, send me a copy of the Letter of sale and Assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect this alleged debt ). Coppola v. Arrow Financial Service, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) -Information relating to the purchase of a bad debt is not proprietary or burdensome. \n\nIn as much as this letter is in respond to a protractive claim on your part, any failure to satisfy this request within 30 days will be construed as your absolute Waive of any all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Section 623 ( a ) ( l ( A ) of the FCRA requires that a furnisher shall not furnish any information relating to a consumer to any CRA ( Consumer Reporting Agency ) if the furnisher knows or has reasonable course to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors when the information doesnt reflect whats in their system. I hope that doesnt speak of your character. \n\nLast, I will accept ONLY your written communication. Do not call me, my neighbors, family members, my job, etc. Your failure to honor this request may constitute a violation of 15 U. S. Code 1666 and may result in legal action against you. You may want to consult with a competent legal advisor before your next communication with me. You know & I know you dont have the right to Collect a debt from me! As a Third Party, Ive had No Contractual Agreement with you. Sending me anything otherwise is unacceptable. Also, where is the authorization from your company to act on behalf of the original creditor. The form is notarized and would be supplied by the original creditor ( XXXXXXXX XXXX XXXX stating they transferred the debt to your company along with all rights being transferred to you XXXX Credit Corp Solutions , Inc. ). I need the Notarized Statement! Now since you have reported this Invalidated Account Information to XXXX, then I believe its regarded as a fraudulent action under both federal and state statues. Therefore, if you have reported this debt without Validation, and now I have a negative item reported on my consumer report, then I will be compelled to take legal steps against you for the below mentioned reasons if you have violated this law : *Violation of the Fair Credit Reporting Act ( FCRA ) *Violation of the FDCPA *Defamation of Character FDCPA Violations Falsely representing the debt is valid without verification, amount, and saying balance is due immediately when its not! \nFailing to Validate the debt in question while continuing further collection activity. Each violation carries a fine of {$1000.00} per violation! \n\nDisputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector as per the Fair Debt Collection Practice Act ( FDCPA ) ,15 USC { 1692 ( G ) Section 809 ( B ). Moreover, the way I see it, you, ( Credit Corp Solutions , Inc. ) can give me all the items especially the contract Im asking for, delete this debt of my CRA, and we can go about our business. By the way, if ( Credit Corp Solutions , Inc. ) informs the consumer reporting agency that the alleged debt was verified when it wasnt, Im letting you know there will be consequences and I will speak with a consumer protection lawyer since youre clearly doing business in my state. \n\nIm sure you know under FDCPA Section 809 ( b ), you are NOT allowed to pursue collection activity until this debt is validated. You should be made aware that in Beatley v Diem Corporation. No. XXXX XXXXXXXX XXXX  ( XXXX XXXX XX/XX/XXXX ) the court ruled that reporting a collection account is indeed considered collection activity. You should also note that this is not a request for Partial Validation but rather, a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. \n\nWhile I prefer to not litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to an uneventful resolution of this matter. Since Ive never had a contract with you, then prove to me you own the debt. \nMoreover, I am REQUESTING a copy of a contract or the original account level documents/purchase agreement. The Contract or Purchase Agreement must between you, the original creditor, and signed by all parties involving. I also promptly request that Deletion of any and all reporting that was made to all consumer reporting agencies. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. CFPB is authorized to investigate this matter and receive any and all information pertaining to this matter. If you choose not to comply with my demand letter, I may turn this over to my state attorney generals office and a consumer protection lawyer. Please forward back the Affidavit notarized as it shouldnt be a problem for you to do so since you have Firsthand Knowledge of this debt. \n\nRespectfully, XXXX XXXXXXXX XXXX XXXX  CFPB XXXX XXXX Communicated this dispute with the CFPB to follow up with ( Credit Corp Solutions , Inc ) dispute process to make ( Credit Corp Solutions , Inc. ) complies with my request since youre acting as a debt collector. Please note that ( Credit Corp Solutions , Inc. ) is currently in Violation of the FDCPA. \n\nSWORN/AFFIRMED BEFORE ME at ( city ) ___________________________________, XXXX  on XXXX ___________________________________, _________________________________ Signature _________________________________ _______________________________ ( Seal ) A COMMISSIONER FOR OATHS IN AND FOR THE Collection Agency STATE of XXXX My XXXX XXXX XXXX _________________________________________","date_sent_to_company":"2022-11-05T15:33:17.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"6170136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Corp Solutions Inc.","date_received":"2022-11-05T15:13:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Please provide me with the below <em>mentioned</em> items : *The amount of the <em>debt</em>. \n*The name of the creditor to whom the <em>debt</em> is owed. \n*A statement that unless the consumer, <em>within</em> thirty <em>days</em> after receipt of notice, <em>disputes</em> the Validity of the <em>debt</em>, or any portion thereof, the <em>debt</em> will be assumed to be valid by the <em>debt</em> collector."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[12.743458,"6170136"]},{"_index":"complaint-public-v1","_id":"3367113","_score":12.013892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts and inaccurate information that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The XXXX XXXX XXXX XXXX, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX   XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( XXXX ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1.  Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3.  Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX day of XXXX, XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX XXXX schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER XXXX XXXX. Disputing the Debt, Dated this XXXX  day of XXXX, XXXX. By : XXXX XXXX. \nINACCURATE INVALID INFORMATION ACCOUNTS : 1. U.S. BANKRUPTCY COURT 2.  REMOVE THE CLOSED THE ACCOUNTS, THIS IS INFORMATION THAT I NO LONGER HAVE AND IS STILL REPORTING AND I DON'T KNOW WHY. I WANT IT REMOVED IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX  XXXX 4. XXXX XX/XX/XXXX INCORRECT INFORMATION THAT DOESN'T BELONG TO ME. 5. XXXX XXXX ACCOUNT INFO. \nINACCURATE INQUIRIES : XXXX 1. XXXX XXXX 2. XXXX XXXX EQUIFAX : 1. XXXX XXXX.","date_sent_to_company":"2019-09-08T08:07:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"3367113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-09-08T06:05:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am only allowing 3 business <em>days</em> to attempt an internal investigation on this <em>dispute</em>."]},"sort":[12.013892,"3367113"]},{"_index":"complaint-public-v1","_id":"3367182","_score":12.009097,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts and inaccurate information that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and  PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these  material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following  amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and  attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is  Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10.  Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX. \nINACCURATE INVALID INFORMATION ACCOUNTS : 1. U.S. BANKRUPTCY COURT 2. REMOVE THE CLOSED THE ACCOUNTS, THIS IS INFORMATION THAT I NO LONGER HAVE AND IS STILL REPORTING AND I DON'T KNOW WHY. I WANT IT REMOVED  IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX   XXXX 4. XXXX XX/XX/XXXX INCORRECT INFORMATION THAT DOESN'T BELONG TO ME. 5. CREDIT FACTOR ACCOUNT INFO. \nINACCURATE INQUIRIES : TRANSUNION 1. XXXX XXXX 2. XXXX XXXX XXXX : 1. XXXX XXXX.","date_sent_to_company":"2019-09-08T08:07:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"3367182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-08T08:07:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am only allowing 3 business <em>days</em> to attempt an internal investigation on this <em>dispute</em>."]},"sort":[12.009097,"3367182"]},{"_index":"complaint-public-v1","_id":"3366685","_score":12.007749,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts and inaccurate information that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, Experian and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days  of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2.  Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8.  Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10.  Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX. \nINACCURATE INVALID INFORMATION ACCOUNTS : 1. U.S. BANKRUPTCY COURT 2. REMOVE THE CLOSED THE ACCOUNTS, THIS IS INFORMATION THAT I NO LONGER HAVE AND IS STILL REPORTING AND I DON'T KNOW WHY. I WANT IT REMOVED IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX   XXXX 4. XXXX XX/XX/XXXX INCORRECT INFORMATION THAT DOESN'T BELONG TO ME. 5. CREDIT FACTOR ACCOUNT INFO. \nINACCURATE INQUIRIES : XXXX 1. XXXX XXXX 2. XXXX XXXX XXXX : 1. XXXX XXXX.","date_sent_to_company":"2019-09-08T08:07:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"3366685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-09-08T08:07:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am only allowing 3 business <em>days</em> to attempt an internal investigation on this <em>dispute</em>."]},"sort":[12.007749,"3366685"]},{"_index":"complaint-public-v1","_id":"3876330","_score":10.919169,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a new complaint, although it will address prior complaints and mention facts about the results of those complaints. This complaint is based on contradictory information I was given regarding whether or not an investigation was ever initiated. In the latest letter I received from Wells Fargo Bank regarding the fraud claim I reported way back in XX/XX/2019, they claim that they could find no claim to research. They touch on a couple things mentioned in my complaints, but fail to provide me with any real reassurance that they in fact tried to help me. I will address their statement of not being able to find a claim to research first, because now that they have stated this more than once, I will point out that I have informed WF in person, by telephone, in writing, and by the complaint process that there was fraud on my account. They have asked me for applicable claim numbers in past letters from them to me, and I have answered that I was never given any claim number by any of the numerous WF personnel I discussed this matter with. I called the CFPB last week and spoke with a woman who agrees with me that if I called fruad and reported an error, and WF then froze my online account access, then there certainly would be a record of such an event. \n\nThat is the first reason that I don't believe them when they say they couldn't find a claim. WF is either deliberately lying to me, or they are simply incompetent. Either way, that excuse obscures the magnitude or pervasiveness of this unfair treatment that I have had to endure from them since the onset of this nightmare. Their discriminatory behavior sort of detracts from the transparency it has promised regarding this process of resolution in what I can only imagine is their effort to blur the facts the from the CFPB investigating their deficiencies regarding Regulation E.I 'm sorry, but I'm done with being treated like this. \n\nIf WF thinks I'm mistaken, let me explain why this is proof of discrimination and unfair business practices ; after all, they take this very seriously and want to know what happened. \n\nI called into WF with questions regarding this situation after receiving notice that my account was in overdraft and instructing me to call them. So I did. When I made the call, I explained who I was and that I had questions and wanted to address issues related to it. I mentioned to the rep who answered that I had been in touch with XXXX XXXX in the executive offices. To my surprise, he acknowledged my correspondence with her. Odd though, because apparently he was only given information that my claim had been \" re-opened '', and couldn't provide me any other information whatsoever. He was very rude, and since WF continuously mentions that my account was closed due to prolonged overdraft and how they sent me letters telling me about it, and told me to contact them, I will now mention that if they are going to instruct customers to call in with questions they might have, or to discuss matters regarding their overdraft issues during a pending investigation ( which I believe would be the correct status of it, given the information that the rep on the phone just informed me of ), they should provide the person who will be answering the phone the pertinent information needed when the consumer complies and calls in. \n\nThat being stated, I am confused as to whether or not the investigation had actually been \" re-opened, '' or not? Which is it? This is very deceptive and misleading. I mean, unless the rep I spoke to was lying to me, then an investigation did commence at some point, and then was closed at another point. That likely being the situation, then how is it that no claim can now be found? More confusing is why was I not informed of any such closure or \" re-opening '' in writing as Regulation E states must be done? \n\nI'll address other statements made in the companies response to my last complaint now. as well. This latest response from WF also mentions that they contacted the XXXX branch in XXXX where I hand-delivered the proof of my allegation, yet the manager there doesn't remember me or working with me on my complaint. I'd like to know if they also asked Ms. XXXX if she remembered me? After all, I have mentioned her name simultaneously when mentioning the branch manager as the experiences I have had with both of them are connected. So, did WF ask Ms. XXXX whether or not she remembers me? If not, why? As for the branch manager, my response is that if I can remember that a pregnant   banker was wearing a XXXX top, and was leaving for maternity leave on a Saturday, it is grossly offensive that I am expected to believe that a bank manager wouldn't remember a customer who came into branch WITH A WITNESS, I might add, to discuss a fraud that also involved the XXXX of his customer, which he was shown graphic photographs to substantiate the XXXX, and which he commented on ( referring the matter as similar to a robbery, and informing me that I would have no rights in the matter )!!! If he truly can't remember me then perhaps he was given his position through means other than qualifying traits or experience. It is convenient that he would have XXXX now that I have continued to allege his discriminatory behavior and factual information regarding our meeting which certainly doesn't help WF 's attempts at trying to seem as though they've acted in good faith. Of course this manager doesn't remember me, he can't admit that he confirmed to me that he forwarded an SD card that had not only audio and video and photographic PROOF of the fraud, but also a declaration of facts contained in it ; but guess who can? My witness, that's who. I certainly hope the CFPB is paying close attention to this matter and the words I am writing now, because clearly there is something wrong here on WF 's error resolution procedures and the way they have treated me throughout this ordeal. The manager is lying. It's just more XXXX, but for the record, he is XXXX XXXX XXXX maybe, full head of XXXX hair. He was dressed in a suit and we sat at the first table to the left of the door. It took a while to get his full attention with his incessant waving of his hands to someone behind the counter mouthing for them to turn the cameras on ; like I was about to rob the bank or something. I can't express how insulting it is that he now claims he can't remember me. I'm not even going to say anymore about him. Like I said, he is lying. If anyone wants to know, Ms. XXXX is a beautiful woman with light XXXX XXXX skin and XXXX XXXX XXXX XXXXXXXX hair. She was wearing a dress that had brown and white and flowers on it, I think, but I might be wrong about that. She was very helpful, actually. He was not. \n\nSince I'm discussing that meeting, let me mention how unspeakably frustrating it is that WF now claims that the same documentation that went through two separate hands at that branch, first Ms. XXXX 's, and then the manager 's, can now not be located! \n\nAnother surprise! \n\nMs. XXXX obviously distributed it as promised to the branch manager, whom then assured me that he forwarded it to fraud. That is another level of incompetence that has now altered my opinion of the manager at the branch and the procedures in place for this type of documentation retention. If WF lost the proof of the fraud, then they should be liable regardless. I can't get that documentation back. More proof of unfair and deceptive treatment, given that in front of a witness, I was assured that it was sent off to fraud. Where does that leave me? \n\nOh, I know, out in the cold. \n\nThis is what else I would like WF to address : why I am being treated unfairly by denying me my rights outlined under Regulation E? According to what I have read, my situation in particular indicates that this particular error resolution matter appears as unsafe and unsound banking practices that violates the law or regulations and seems to me that I am now on the other end of a company engaged in abusive and deceptive practices and I would like the CFPB to take note of this and investigate. Among the failures I believe were made in this situation, the following would apply : First : Notice of the error was given in person, by telephone and in writing. \n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number ; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.\n\nI complied totally with this. The bank manager printed out my statement and we went over the  transactions together in branch. Again, he promised this information would be given to fraud. His XXXX XXXX  is not my responsibility. \n\nIf there was an investigation, and I was told there was, and then I was told there wasn't, but either way, this is what it says should have happened, but didn't : Reasonable investigation. A creditor must conduct a reasonable investigation before it determines that no billing error occurred or that a different billing error occurred from that asserted. \nAlso ... it states : 13 ( c ) Time for Resolution ; General Procedures 1. Temporary or provisional corrections. A creditor may temporarily correct the consumer 's account in response to a billing error notice, but is not excused from complying with the remaining error resolution procedures within the time limits for resolution. \nLets see ... it's been well over a year. I should be given interest when if my rights are ever enforced and my money returned to me. \n\n2. Finality of error resolution procedure. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). \n??? \n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\nPerhaps two might apply, but 3 certainly does. My account was closed in what should have been the middle of an investigation and I was harassed about the balance and given no information when I called in as instructed. Also, I shouldn't have been in overdraft to begin with as I have mentioned several times in previous correspondence because ... \n( i ) Relation to Electronic Fund Transfer Act and Regulation E. If an extension of credit is incident to an electronic fund transfer, under an agreement between a consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account, the creditor shall comply with the requirements of Regulation E.\n\nFinally, I want to point out that : Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. \n\nWells Fargo has consistently sent me the \" need more information '' letter, when they should have been following the law. I demand that my money be returned to me at once, given that I have just outlined the deficiencies they have demonstrated in handling my dispute. It is completely unfair and discriminatory. I don't want another \" need more information '' letter from them. I have already given them all of this. The facts are that I provided WF with documentation that proved that someone other than me stole my money. That documentation was recorded evidence using the exact amounts and terms which clearly proved that I was victimized. The statements, \" we already got XXXX dollars of his Social Security money '', and \" we got XXXX as soon as he got it '', and \" did he bring the money? Yeah, it's in the glove box, but there's XXXX missing. There was supposed to be XXXX! We think XXXX took it. \", and \" I just want my XXXX that he owes me and I'm going to Utah ''. I have went over transactions with the bank manager in XXXX. He pointed out a few of these transactions from the statement he printed out at the branch. The dates were from XX/XX/2019 through the end of XXXX. Also recorded in those documents was a statement made by one of the perpetrators of my victimization which he claims that he prevented me from checking my balances from  the time I got my account set up, until the middle of XXXX. Given I have none of the original recordings anymore, or account access to be sure, maybe WF can use that info to assist with it's determination. For the record, this victimization is ongoing as I've mentioned several times. I just was awarded XXXX XXXX dollars in a civil verdict against two of the people who originally began this insane crusade of harm against me. I wouldn't trust WF with one penny of it, and even with this judgement, I want my money back. I REFUSE to sit back and allow the people who have done unspeakable things to me to be given MY OWN MONEY FOR XXXX ME ... even if WF is willing to do so. \nIf I am not given my money back, I am contacting the CFPB Ombudsman with the information provided herein. I WILL be hiring an attorney and I WILL be suing WF for this situation. This is certainly something worth fighting for. I will be waiting for my next \" more information letter '', WF. If that is what I receive instead of a check, then I will cease communication until I am represented by an attorney. \n\nYours Faithfully, XXXX XXXX Account Number XXXX PS I am attaching a letter from the OCC stating this is RegE and a letter I received from WF which I think proves that they knew of a claim? \nDebit Card Ending in XXXX","date_sent_to_company":"2020-10-01T10:57:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95336","tags":null,"has_narrative":true,"complaint_id":"3876330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-10-01T09:04:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This latest response from WF <em>also</em> <em>mentions</em> that they contacted the XXXX branch in XXXX where I hand-delivered the proof of my allegation, yet the manager there <em>doesn't</em> remember me or working with me on my complaint. I'd like to know if they <em>also</em> asked Ms. XXXX if she remembered me? After all, I have <em>mentioned</em> her name simultaneously when <em>mentioning</em> the branch manager as the experiences I have had with both of them are connected. So, did WF ask Ms. XXXX whether or not she remembers me?"]},"sort":[10.919169,"3876330"]},{"_index":"complaint-public-v1","_id":"2844603","_score":10.651755,"_source":{"product":"Debt collection","complaint_what_happened":"Blitt and Gaines is harassing me for a debt that is not mine. I have disputed this with them and they sent a response back filled with lies. \nI am rejecting their response because it contains lies and does not contain 100 % truth. \n\nThank you for responding XXXX. Your company did send me 3 letters for 3 different alleged accounts dated : XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. The importance of these will come into play shortly. 2 of your dates are correct, 1 is not. I have all the original letters. \n\nThe original letter I received addressed me as, \" Dear Sir or Madam ''. Your company threatened to sue and get a judgement against me. I disputed these 3 accounts with your company within the first 30 days of receipt. In my first letter I sent to your company I stated \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this debt if it turns out to be mine. '' Your client XXXX XXXX XXXX has been known to sue the wrong people. ( XXXX XXXX vs XXXX ). XXXX won a six figure judgement from XXXX XXXX for not properly investigating her disputes. She had to hire a lawyer who discovered the account belong to someone with a similar name. Because XXXX has a history of not investigating consumer disputes, The Consumer Financial Protection Bureau signed a consent order against them in XXXX, requiring them to provide a Authentic Bill of Sale, with a specific reference to the alleged consumers account. The one I have been provided is generic and contains no specific reference. \n\nYou claim your company has provided me verification. I have never received any proof your company or XXXX XXXX owns this debt and that this debt is mine. I have requested a Chain of Title, Assignment, Consideration for the assignment, A signed Contract, Bill of sale which references me. I have received zero of  these items. If I was claiming you owed me money, and you had no knowledge of the debt, wouldn't you want proof as well? These items are required in the court of law and in the Illinois Collection Agency Act. You call this a laundry list?? Please explain. \n\nI did receive a handful of photo copied statements and terms to a contract with no signature on it. Who do the terms belong to? For the statements I requested signed merchant receipts or proof I used this card or had any knowledge of these accounts. I have received nothing. \n\nAfter I sent my first Letter to your company, the 2nd letter  you sent back on XX/XX/XXXX says, \" Dear Sir or Madam ''. That right there lets me know that know one has looked into my disputes. \n\nFor your opening remarks on your response to this complaint. You state \" As support XXXX XXXX alleges that XXXX  XXXX is not reporting the accounts on his credit report and that XXXX XXXX has an internal policy which only allows for 2 credit cards per consumer. '' You are correct. XXXX XXXX is not listing these 3 alleged accounts on my credit report. If they were on there, you would have provided proof of such. Negative information stays on one 's credit for 7 years. That is a fact. And XXXX XXXX does have a policy of limiting consumers to 2 directly issued cards. They have had that policy since XXXX. Which I sent you proof of that claim. You never mention if you called XXXX XXXX and verified or disproved me?? You never mention if these alleged 3 accounts are on my credit reports by XXXX XXXX? I have proof they are not. Can you provide proof of your claims? \n\nI have no records of these accounts, nor do the 3 major Credit Bureau 's. Your company hasn't provided me any proper documentation on your alleged claims. \n\nAs far as your licensing requirements, you are not acting as a Law Firm in XXXX County, IL. Many other markets as well. Please provide me 1 case your firm as taken in this county that doesn't involve debt collection. I have documented evidence your company turns down jobs here if they are not debt collection related. And your web site states you practice that area of law. You are a 100 % a debt collection agency. \n\nYou state that the letter you received from me on XX/XX/XXXX, was now stating I was alleging identity theft. You are being dishonest XXXX. My first letter and 2nd letter both state that I have no knowledge of these accounts and \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. My 2nd letter also states that I will conditionally agree to pay this debt, if it turns out to be mine. \nYou did send me a fraud investigation form. And in my 3rd letter to you I told your company, \" until you provide me with documentation of your claims. I would have no way of knowing if this is an error, similar name issue, or identity theft. I would be more than happy to fill out any forms you need. But I need proof these are my accounts, that XXXX owns this alleged debt, and I need to see if someone has forged my signature. Or if you have the wrong person etc. I don't appreciate the picture you are trying to paint of this matter. \nI have everything documented and can back up 100 % of what I say. \nYour company and XXXX XXXX do have multiple violations against you. That is a true statement. \nYou stated that I wrote to your company saying the alleged accounts are invalid for collection. I have never once said that. I have never used the word rendered, rendering, or stated invalid for collection. Please provide me proof of this letter? I have copies of what I sent your company, and emailed Identical copies the same day. So if a situation like this presented itself, I would be able to show the truth. \nYou further state, I am now claiming Identity theft. Read my first letter. It states that exact same thing as my 2nd and 3rd letter. Nothing has changed. Please provide me proof of your claims on this statement? \nFinally you state this account is on hold pending a resolution of the allegations. If you have already verified theses alleged accounts like you claim, why would this lawsuit be put on hold?? That does not make sense. \nMy 4th and final written letter to your company and to XXXX XXXX states '' I would like you to move forward with your threats of a lawsuit/judgement. I request that you file suit on or before XX/XX/XXXX. Otherwise I will conclude that you have threatened a lawsuit and you weren't capable of following thru. And if you do file suit and it is dismissed by you after my request for Production and subpoena 's. Or it is dismissed for failure to adhere to the Illinois Collection Agency Act. I will conclude you had no intention to prove this debt if I contested it. '' I  never said this debt was un-collectable, I never changed my statement to later add Identity theft. Your company has violated the FDCPA laws. That is a fact. XXXX XXXX has violated a consent order from the CFPB. That is a fact. \nYour company and XXXX XXXX have been notified of your harassment abuse towards me. After my 4th and final written letter to both companies, I received letters from XXXX XXXX from XXXX XXXX thru XX/XX/XXXX. Over a course of 4 days. I received 21 letters from them. With many of them duplicates of each other and all of them generic responses that I have already received in the past. Out of the 21 letters there was not 1 unique letter or new piece of evidence provided to me. ( I previously stated it was 19 letters, I found 2 other letters in between a folder. I have probably around 80 total letters, and I apologize for stating 19. It is 21 letters from  XXXX XXXX over a course of 4 days. \nAnd XXXX, your company did send me a letter on my birthday, XXXX XXXX threatening to sue and get a judgement against me. \nI realize they were sent with the intent to annoy, abuse, and harass me. You have destroyed my credit, given me intentional infliction of emotional XXXX, defamation of character, slander, economic loss, panic attacks, XXXX XXXX XXXX, inability to sleep well at night, reduced work performance, and I have suffered humiliation. \nI want your company to move forward with your threats of a lawsuit. You do not have the option of putting this on hold. You can't just now begin to investigate my disputes. It is too late for that. Too much damage has been done. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-03-16T04:51:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"616XX","tags":null,"has_narrative":true,"complaint_id":"2844603","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Blitt and Gaines, P.C.","date_received":"2018-03-16T00:45:27.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>disputed</em> these 3 accounts with your company <em>within</em> the first 30 <em>days</em> of receipt. In my first letter I sent to your company I stated \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this <em>debt</em> if it turns out to be mine. '' Your client XXXX XXXX XXXX has been known to sue the wrong people. ( XXXX XXXX vs XXXX )."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[10.651755,"2844603"]},{"_index":"complaint-public-v1","_id":"2844605","_score":10.642015,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX and XXXX is harassing me for a debt that is not mine. I have disputed this with them and they sent a response back filled with lies. \nI am rejecting their response because it contains lies and does not contain 100 % truth. \n\nThank you for responding XXXX. Your company did send me 3 letters for 3 different alleged accounts dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The importance of these will come into play shortly. 2 of your dates are correct, 1 is not. I have all the original letters. \n\nThe original letter I received addressed me as, \" Dear Sir or Madam ''. Your company threatened to sue and get a judgement against me. I disputed these 3 accounts with your company within the first 30 days of receipt. In my first letter I sent to your company I stated \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this debt if it turns out to be mine. '' Your client Portfolio Recovery Associates has been known to sue the wrong people. ( XXXX XXXX vs Portfolio ). XXXX won a six figure  judgement from Portfolio Recovery for not properly investigating her disputes. She had to hire a lawyer who discovered the account belong to someone with a similar name. Because Portfolio has a history of not investigating consumer disputes, The Consumer Financial Protection Bureau signed a consent order against them in XX/XX/XXXX, requiring them to provide a Authentic Bill of Sale, with a specific reference to the alleged consumers account. The one I have been provided is generic and contains no specific reference. \n\nYou claim your company has provided me verification. I have never received any proof your company or Portfolio Recovery owns this debt and that this debt is mine. I have requested a Chain of Title, Assignment, Consideration for the assignment, A signed Contract, Bill of sale which references me. I have received zero of these items. If I was claiming you owed me money, and you had no knowledge of the debt, wouldn't you want proof as well? These items are required in the court of law and in the Illinois Collection Agency Act. You call this a laundry list?? Please explain. \n\nI did receive a handful of photo copied statements and terms to a contract with no signature on it. Who do the terms belong to? For the statements I requested signed merchant receipts or proof I used this card or had any knowledge of these accounts. I have received nothing. \n\nAfter I sent my first Letter to your company, the 2nd letter you sent back on XX/XX/XXXX says, \" Dear Sir or Madam ''. That right there lets me know that know one has looked into my disputes. \n\nFor your opening remarks on your response to this complaint. You state \" As support XXXX XXXX alleges that XXXX  XXXX is not reporting the accounts on his credit report and that XXXX XXXX has an internal policy which only allows for 2 credit cards per consumer. '' You are correct. XXXX XXXX is not listing these 3 alleged accounts on my credit report. If they were on there, you would have provided proof of such. Negative information stays on one 's credit for 7 years. That is a fact. And XXXX XXXX does have a policy of limiting consumers to 2 directly issued cards. They have had that policy since XX/XX/XXXX. Which I sent you proof of that claim. You never mention if you called XXXX XXXX and verified or disproved me?? You never mention if these alleged 3 accounts are on my credit reports by XXXX XXXX? I have proof they are not. Can you provide proof of your claims? \n\nI have no records of these accounts, nor do the 3 major Credit Bureau 's. Your company hasn't provided me any proper documentation on your alleged claims. \n\nAs far as your licensing requirements, you are not acting as a Law Firm in XXXX County, IL. Many other markets as well. Please provide me 1 case your firm as taken in this county that doesn't involve debt collection. I have documented evidence your company turns down jobs here if they are not debt collection related. And your web site states you practice that area of law. You are a 100 % a debt collection agency. \n\nYou state that the letter you received from me on XX/XX/XXXX, was now stating I was alleging identity theft. You are being dishonest XXXX. My first letter and 2nd letter both state that I have no knowledge of these accounts and \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. My 2nd letter also states that I will conditionally agree to pay this debt, if it turns out to be mine. \nYou did send me a fraud investigation form. And in my 3rd letter to you I told your company, \" until you provide me with documentation of your claims. I would have no way of knowing if this is an error, similar name issue, or identity theft. I would be more than happy to fill out any forms you need. But I need proof these are my accounts, that Portfolio owns this alleged debt, and I need to see if someone has forged my signature. Or if you have the wrong person etc. I don't appreciate the picture you are trying to paint of this matter. \nI have everything documented and can back up 100 % of what I say. \nYour company and Portfolio Recovery do have multiple violations against you. That is a true statement. \nYou stated that I wrote to your company saying the alleged accounts are invalid for collection. I have never once said that. I have never used the word rendered, rendering, or stated invalid for collection. Please provide me proof of this letter? I have copies of what I sent your company, and emailed Identical copies the same day. So if a situation like this presented itself, I would be able to show the truth. \nYou further state, I am now claiming Identity theft. Read my first letter. It states that exact same thing as my 2nd and 3rd letter. Nothing has changed. Please provide me proof of your claims on this statement? \nFinally you state this account is on hold pending a resolution of the allegations. If you have already verified theses alleged accounts like you claim, why would this lawsuit be put on hold?? That does not make sense. \nMy 4th and final written letter to your company and to Portfolio Recovery states '' I would like you to move forward with your threats of a lawsuit/judgement. I request that you file suit on or before XX/XX/XXXX. Otherwise I will conclude that you have threatened a lawsuit and you weren't capable of following thru. And if you do file suit and it is dismissed by you after my request for Production and subpoena 's. Or it is dismissed for failure to adhere to the Illinois Collection Agency Act. I will conclude you had no intention to prove this debt if I contested it. '' I never said this debt was un-collectable, I never changed my statement to later add Identity theft. Your company has violated the FDCPA laws. That is a fact. Portfolio Recovery has violated a consent order from the CFPB. That is a fact. \nYour company and Portfolio Recovery have been notified of your harassment abuse towards me. After my 4th and final written letter to both companies, I received letters from Portfolio Recovery from XX/XX/XXXXt thru XX/XX/XXXX. Over a course of 4 days. I received 21 letters from them. With many of them duplicates of each other and all of them generic responses that I have already received in the past. Out of the 21 letters there was not 1 unique letter or new piece of evidence provided to me. ( I previously stated it was 19 letters, I found 2 other letters in between a folder. I have probably around 80 total letters, and I apologize for stating 19. It is 21 letters from Portfolio Recovery over a course of 4 days. \nAnd XXXX, your company did send me a letter on my birthday, XX/XX/XXXX threatening to sue and get a judgement against me. \nI realize they were sent with the intent to annoy, abuse, and harass me. You have destroyed my credit, given me intentional infliction of XXXX XXXX, defamation of character, slander, economic loss, XXXX XXXX, XXXX XXXX XXXX, inability to sleep well at night, reduced work performance, and I have suffered humiliation. \nI want your company to move forward with your threats of a lawsuit. You do not have the option of putting this on hold. You can't just now begin to investigate my disputes. It is too late for that. Too much damage has been done. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-03-16T04:51:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"616XX","tags":null,"has_narrative":true,"complaint_id":"2844605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2018-03-16T00:51:35.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>disputed</em> these 3 accounts with your company <em>within</em> the first 30 <em>days</em> of receipt. In my first letter I sent to your company I stated \" I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this <em>debt</em> if it turns out to be mine. '' Your client Portfolio Recovery Associates has been known to sue the wrong people. ( XXXX XXXX vs Portfolio )."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[10.642015,"2844605"]},{"_index":"complaint-public-v1","_id":"7162754","_score":9.882039,"_source":{"product":"Debt collection","complaint_what_happened":"Cavalry portfolio Services LLC put a collections item on my report. Its an item thats been coming up on my report for about nine years now under different collection agencies. After 7 years that item shouldve been removed by now because it doesnt belong to me They failed to validate or verify it when I ask for it to be as required by law Its past the statute of limitationa. More about the item : Its an item that originally was coming up on my report for about {$420.00} when it originally appeared. {$300.00} original price and appeared as about {$420.00} with interests and fees, and that was about 9 years ago. \n\nb. At that time I did not understand credit well and I had a large purchase to make. I believed having credit puts people in a bad financial state so I did not own any kind of credit. at the time I thought it was financially responsible to only use debit card and not get into debt that can have a monthly 30 % interest rate applied. \n\nc. I was planning a big purchase so I made sure I did not have any type of credit card. So when it showed up on my report I disputed it. At the time the collections agency that had it refused to remove it and I did not know any legal avenues to take, so I made my purchase regardless. After my big purchase I still had the same belief that credit cards are not financially responsible. And I still never opened a credit card. \n\nd. I never made any payments on the collection because after my big purchase my bank closed my account with no explanation. And no matter who I called they wouldn't give me back my money. It was never affordable for me to make payments after having all my phones taken away. I spent the next few year rebuilding my financial safety net and getting on my feet again. \n\ne. The next couple of years has been a lot of struggle financially. But after XXXX I lost my job which left me with a lot of time to research credit. It made me change my mind about credit, I now have some credit cards but they are all secured cards. \n\nf. Now about 9 years later cavalry portfolio services llc are reporting the collections account as {$820.00}. I think it is past the statute of limitation. But when I told cavalry portfolio services that, they told me somebody made a payment on the debt back in 2019. \n\ng. I know it wasnt me because I was recovering from a motorcycle accident early in that year. And later after I partially recovered my mom was in XXXX XXXX XXXX. I know it wasnt me that made that payment. I know it wasnt my dad or my mom either. And aside from them, I do not have the type of people in my life that would do that kind of thing for me. Whoever did it is someone I dont know and someone that had malicious intent. \n\nh. The large purchase I made was a home. And with having my bank account closed right after the purchase, the nest egg I had ripped out from under me unexpectedly I had to rent out to make ends meet. A lot of the people I rented ended up getting access to my personal information. I've been trying to backtrack and figure out who has been responsible for the unexplained financial turmoil I've been going through. I want to know who made that payment. I want to know what the amount the collections agency at the time claimed I owed in 2019 before the payment was made. so I can figure out how much the payment was made for ( for example if the collection amount was {$1000.00} and the 2019 payment was for {$700.00}. It would mean that the balance that remained in 2019 was {$320.00} and that would mean Cavalry portfolio added {$500.00} of interests and fees. I want to make sure your fees and interest are legal to begin with ) I want to know who the payment was made to in 2019. I want to know how that payment was applied in 2019. For example if they applied 100 % of it towards interest and 0 % of it towards principal.Do you know why I want to know these things, because there are still a lot of bad actors in my life that I'm trying to cut out and having that information would help me understand what's going on, it would help me figure out if you falsely saying that a payment was made so that you can continue to illegally reported, or it will legitimize your claims and I can pay you the money that I owe you. \n\ni. I want to know how they arrived at the amount that was owed because Im confused about how this debt is getting verified. And confused why you did not respond to my verification and validation request with any document within the 30 days. Dead all I got in the mail was a paper that was an affidavit of identity theft. \nI want to know that what steps were taken so I'm sure that the right person is being charged for the debt if it belongs to someone else and not me. And lastly I want to know what was purchased on the credit card and where the purchases were made. \n\n\nResolution : -Delete my social security from your records. \n-I want information about who sold you the account and for how much. \n-I want to know who paid on the account in 2019 and exactly when, how much and how the money was applied to the amount it was before the payment. I also want to know how much went towards fees and how much went towards principal. \n-I want to know if the debt was assigned to you, and who assigned it. The representative I spoke to mentioned it was purchased, if that is the case I want to know who the debt was purchased from. Also include how much it was purchased for and for how much.","date_sent_to_company":"2023-06-24T18:57:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"196XX","tags":null,"has_narrative":true,"complaint_id":"7162754","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2023-06-24T18:48:24.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>also</em> want to know how much went towards fees and how much went towards principal. \n-I want to know if the <em>debt</em> was assigned to you, and who assigned it. The representative I spoke to <em>mentioned</em> it was purchased, if that is the case I want to know who the <em>debt</em> was purchased from. <em>Also</em> include how much it was purchased for and for how much."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[9.882039,"7162754"]},{"_index":"complaint-public-v1","_id":"6569892","_score":9.880764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. XXXX  XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n2. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n3. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n4. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n5. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n6. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CXXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-14T16:58:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"801XX","tags":null,"has_narrative":true,"complaint_id":"6569892","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-14T16:51:47.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[9.880764,"6569892"]},{"_index":"complaint-public-v1","_id":"6796526","_score":9.788379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hi CFPB, The purpose of this letter is to get clarity about Equifax. I have sent correspondence to Equifax 3 times within the las month. I have also attempted to call Equifax today. The call was pointless because Equifax claimed that I needed to send the correspondence again because they didn't have a record of receiving anything from me. \n\nMy initial first attempt to reach Equifax was sent at the beginning of XXXX. I attempted to dispute items and request verification of the items. The letter was mailed with signature confirmation which it shows that a representative signed for the package XX/XX/2023 at XXXXXXXX XXXX. XXXX  XXXX  signed for this package on this date. USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX I received a card from Equifax stating that Equifax could not locate a credit file for me. I sent a letter again to Equifax questioning the findings. Equifax received this package and signed for it XX/XX/XXXX. XXXX  at XXXX XXXX. Signed by XXXX XXXX USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX The same information was sent to XXXX and XXXX. I have received correspondence from both credit bureaus, and both disputed items were deleted. \n\nBelow you will find all correspondence sent to Equifax. Equifax does not have a record of packages sent and signed for by XXXX XXXX. Equifax also does not have any record of the document that i received from them. Please inform me of any documents that I may need to scan, email, or fax. \n\nEquifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hi, As mentioned in a letter sent previously these items should be deleted. \n\nI recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number. \n\nHowever, these items remain on my report after being deleted from XXXX and after you sent documentation stating Equifax was not able to locate a credit file. Documentation provided within this letter. All letters sent to your agency can be found within this envelope as well : ( Initial dispute ) Let me be clear, this is NOT a disputeso DO NOT \" auto-verify '' my request. I recently disputed the validity of an account that was being incorrectly reported on my credit profile. It was no surprise that the other credit bureaus deleted the account due to their inability to properly verify it, but you have these accounts as on my credit report. This is confusing to me.\n\nIf the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then you should be able to provide me with the information that you used to verify the account. The information obviously doesnt exist, and Im sure you used e-Oscar to verify the account and update the info, but I want to remind you that in this is what the bureaus got in trouble for in the cases for Cushman v TransUnion , Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax XXXX \n\nAgain, I encourage you to send proper documentation and avoid e-Oscar/auto-verify during your investigation of the below accounts. This is a reminder that 30 days expired, and these should be removed from my credit report. In addition, XXXX has deleted this false account from my report. The report can be found inside the envelope. \n\nSincerely, XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number. \nSomehow there are several items on my credit report that are not correct. I received the following response stating that you were unable to locate a credit file. These items should be deleted. The disputed items are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used?\n\nAs you know, in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet ( Equifax ), the courts ruled each and every time that the CRA couldn't merely \" parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. \n\nThank you and I sincerely look forward to your response. \n\nSincerely, XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hello, This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. \n\nEvery step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. \n\nI want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. \n\nPlease delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. \n\nUnder federal law, you have 30 days to complete your investigation. \n\nThank you and I sincerely look forward to your response. \n\nSincerely, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX","date_sent_to_company":"2023-04-06T00:46:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32025","tags":null,"has_narrative":true,"complaint_id":"6796526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-05T23:43:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have sent correspondence to Equifax 3 times <em>within</em> the las month. I have <em>also</em> attempted to call Equifax today. The call was pointless because Equifax claimed that I needed to send the correspondence again because they didn't have a record of receiving anything from me. \n\nMy initial first attempt to reach Equifax was sent at the beginning of XXXX. I attempted to <em>dispute</em> items and request verification of the items."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[9.788379,"6796526"]},{"_index":"complaint-public-v1","_id":"6644096","_score":9.664633,"_source":{"product":"Debt collection","complaint_what_happened":"First and foremost, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), and its client LVNV Funding LLC ( Plaintiff ), are pursuing the wrong party ; I am not the person that owes the debt and have unimpeachable proof. \n\nOn XX/XX/XXXX, I received a letter from XXXX XXXX with included information about the subject debt, followed by a 100 % false statement : Despite our previous request for payment in the above-referenced matter, there remains a balance due, and you have not established an acceptable payment plan with us. \n\nThe implication was that Plaintiff or XXXX XXXX had previously requested payment for the debt from me, which is false. Aside from the fact that the debt is not mine, the fact I was never contacted previously about this debt negates the possibility that I would have established a payment plan especially because its not my debt. Because I had never previously had any contact with XXXX XXXX or Plaintiff, the entire letter was a total fabrication. To this day, I have no idea why Plaintiff picked me out of the hundreds of similar names in existence ; its not an unusual name. \n\nI suspected this was a scam. Using the Fair Debt Collection Practices Act ( FDCPA ) as a guide, I responded in a letter dated XX/XX/XXXX, via Certified Mail, requesting five documents of proof knowing that Plaintiff could not ( without fraudulent activities ) prove I am the debtor because, as I said, I am not the debtor. \n\nThose five items were : 1. The name and address of the original creditor, the account number, and the amount owed.\n\n2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.\n\n3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.\n\n4. Proof that collection of this debt is within the statute of limitations and how that was determined.\n\n5. Details about XXXX XXXX authority to collect this debt : whether they are licensed in my state and if so, provide the date of the license, name on the license and the license number, and the name, address and telephone number of the state agency issuing the license. If XXXX XXXX is contacting me from outside my state, provide the licensing information from XXXX XXXX state as well. \n\nAnd of those five, the only document and the only other contact with XXXX XXXX or Plaintiff prior to being served a summons was the name and address of the original creditor, the account number, and the amount owed, and proved to be highly exculpatory, demonstrating Plaintiff and XXXX XXXX were not pursuing the correct person. It came neither from the XXXX XXXX nor the Plaintiff, but from Resurgent Capital Services ( Servicer ), an apparent servicing company working for the Plaintiff. That letter, dated XX/XX/XXXX, included a document created entirely by Servicer naming me the debtor on one page ; the other document provided was a copy of a XXXX XXXX Bank charge card ( Bank Card ) statement for the period ending XX/XX/XXXX, Account Number XXXX XXXX XXXX in the name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. That is not how I spell my name and that address is 120 miles from where I live. \n\nI received none of the other documents requested in my XX/XX/XXXX letter prior to being served the summons. Much has still not been provided. Servicer has sent me the same document ( s ) three times. Importantly, I never received any verification that there is a valid basis for claiming that I, XXXX XXXX of XXXX, Illinois, is required to pay this debt. In the entire history of this case, I had received three contacts from the XXXX XXXX : the original XX/XX/XXXX letter, the summons which was personally served to me XX/XX/XXXX, and an email response stating they do nothing by email after I had emailed them for more information. No phone calls, no emails, no verification, nothing, ever. I never received anything at all from Bank Card because we never had a Bank Card account. They would have had zero reason to contact me. \n\nAs I understand the requirements of the FDCPA, the Plaintiff was required to provide me all of the documents requested in my XX/XX/XXXX letter prior to taking court action. Because nothing besides the exculpatory document was provided prior to filing suit, it seems Plaintiff and XXXX XXXX are therefore in violation of that act. \n\nAside from violation of the FDCPA, the most pertinent issue is, as I have previously stated, I am not, nor is my wife, the person that owes this debt. Neither my wife nor I have lived in XXXX XXXX, nor have we been employed in that area. In fact, after finding it on an Illinois map, we do not think we have ever set foot in or even driven through XXXX XXXX. We have lived and owned homes in XXXX, IL for the past 48 years our entire adult lives- with no break in residency. XX/XX/XXXX marked my familys fortieth anniversary living in our current house at XXXX XXXXXXXX XXXX XXXX, Illinois. I have proof. ( Copies of the original real estate transaction, real estate tax payments, utility bills, drivers licenses, passports, credit card bills and other documents ). \n\nAnd once again, I have never received any verification that I am somehow liable for the debtor with the similar name as mine from XXXX XXXX, Illinois. \n\nWith a credit score of over 800, I have reports from the three major credit bureaus as proof of my honesty, integrity, reliability, and creditworthiness. Most importantly there is a total absence of a Bank Card account listing or any mention of a past due Bank Card account on those credit bureau reports because we never had a Bank Card account. \nI dont spell my name the same way as in this charge. I have never used the spelling of the debtor who owes this debt. Therefore, I do not have an AKA as XXXX as the plaintiff claims. \n\nAt this time, I must note that in the complaint, the attached exhibit of the Bank Card statement in which the original name and address of the correct debtor should be listed, that information has mysteriously been deleted or covered upon copying. The complaint was signed by a XXXX XXXX attorney under penalty of perjury and stated that the attached bank statement displayed my name and address, a falsehood. Any reasonable person would interpret this falsehood as improper at the very least ; some might say its even fraudulent. The reason it was covered up obviously is because the name and address on the original un-doctored document is exculpatory and doesnt fit the plaintiffs narrative. \n\nNote that I originally asked XXXX XXXX for verification XX/XX/XXXX, twice more in XXXX and nothing was ever provided in the one year since the original request. Absent verification that I am the one liable for this debt, there seemed to be no reason the case should continue but it took three hearings and nearly five months before the plaintiff motioned for dismissal of the case in XX/XX/XXXX. \n\nFurthermore, in the complaint the Plaintiff attaches undue importance to the fact I did not respond to my receipt of the exculpatory Bank Card statement provided by Resurgent. There were four very important reasons why I had not yet responded : 1 ) the proof they provided was simply the name and address of the original debtor, 2 ) there was no verification that I owed the debt on behalf of the original debtor, 3 ) I had already previously denied I personally owed the debt ( how many times do I need to state that fact? ), and 4 ) I was waiting on the remainder of the requested documents to see if they looked as illegitimate as the statement with someone elses name and address on it. \nThe FDCPA addresses this issue specifically. Neither the XX/XX/XXXX letter from XXXX XXXX nor the XX/XX/XXXX mailing from Servicer had the required FDCPA language, a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Furthermore, the FDCPA also states, The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n\nAs previously stated, nothing else was provided prior to the filing of the complaint and there are still documents that have not been provided. \n\nFinally, using consumer background tools on the internet I was easily able to find that the original name and address of the debtor still exists. \n\nI suspect, however, that the plaintiff knows full well that I am not the correct person that owes this debt and was simply hoping I wasnt paying attention because they are having trouble finding and or collecting from the real debtor from XXXX XXXX. \nPlaintiff and XXXX XXXX represent their seedy industry well. Incompetence, deviousness or maliciousness cost me money and significant time. I ask for {$1200.00} for compensation. \n\nI also request that XXXX XXXX make a motion to the XXXX XXXX Circuit Court, XXXX, IL to amend its dismissal of this case from without prejudice to with prejudice.","date_sent_to_company":"2023-03-03T17:17:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"617XX","tags":"Older American","has_narrative":true,"complaint_id":"6644096","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-03-03T17:17:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Neither the XX/XX/XXXX letter from XXXX XXXX nor the XX/XX/XXXX mailing from Servicer had the required FDCPA language, a statement that unless the consumer, <em>within</em> 30 <em>days</em>, after receipt of the notice, <em>disputes</em> the validity of the <em>debt</em>, or any portion thereof, the <em>debt</em> will be assumed to be valid by the <em>debt</em> collector."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[9.664633,"6644096"]},{"_index":"complaint-public-v1","_id":"6644110","_score":9.637331,"_source":{"product":"Debt collection","complaint_what_happened":"First and foremost, Kohn Law Firm S.C. ( Law Firm ), and its client XXXX XXXX XXXX ( Plaintiff ), are pursuing the wrong party ; I am not the person that owes the debt and have unimpeachable proof. \n\nOn XX/XX/XXXX, I received a letter from Law Firm with included information about the subject debt, followed by a 100 % false statement : Despite our previous request for payment in the above-referenced matter, there remains a balance due, and you have not established an acceptable payment plan with us. \n\nThe implication was that Plaintiff or Law Firm had previously requested payment for the debt from me, which is false. Aside from the fact that the debt is not mine, the fact I was never contacted previously about this debt negates the possibility that I would have established a payment plan especially because its not my debt. Because I had never previously had any contact with Law Firm or Plaintiff, the entire letter was a total fabrication. To this day, I have no idea why Plaintiff picked me out of the hundreds of similar names in existence ; its not an unusual name. \n\nI suspected this was a scam. Using the Fair Debt Collection Practices Act ( FDCPA ) as a guide, I responded in a letter dated XX/XX/XXXX, via Certified Mail, requesting five documents of proof knowing that Plaintiff could not ( without fraudulent activities ) prove I am the debtor because, as I said, I am not the debtor. \n\nThose five items were : 1. The name and address of the original creditor, the account number, and the amount owed. \n\n2. Verification that there is a valid basis for claiming I am required to pay the current amount owed. \n\n3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. \n\n4. Proof that collection of this debt is within the statute of limitations and how that was determined. \n\n5. Details about Law Firms authority to collect this debt : whether they are licensed in my state and if so, provide the date of the license, name on the license and the license number, and the name, address and telephone number of the state agency issuing the license. If Law Firm is contacting me from outside my state, provide the licensing information from Law Firm state as well. \n\nAnd of those five, the only document and the only other contact with Law Firm or Plaintiff prior to being served a summons was the name and address of the original creditor, the account number, and the amount owed, and proved to be highly exculpatory, demonstrating Plaintiff and Law Firm were not pursuing the correct person. It came neither from the Law Firm nor the Plaintiff, but from XXXX XXXX XXXX ( Servicer ), an apparent servicing company working for the Plaintiff. That letter, dated XX/XX/XXXX, included a document created entirely by Servicer naming me the debtor on one page ; the other document provided was a copy of a XXXX XXXX XXXX charge card ( Bank Card ) statement for the period ending XX/XX/XXXX, Account Number XXXX XXXX XXXX in the name of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. That is not how I spell my name and that address is 120 miles from where I live. \n\nI received none of the other documents requested in my XX/XX/XXXX letter prior to being served the summons. Much has still not been provided. Servicer has sent me the same document ( s ) three times. Importantly, I never received any verification that there is a valid basis for claiming that I, XXXX XXXX of XXXX, Illinois, is required to pay this debt. In the entire history of this case, I had received three contacts from the Law Firm : the original XX/XX/XXXX letter, the summons which was personally served to me XX/XX/XXXX, and an email response stating they do nothing by email after I had emailed them for more information. No phone calls, no emails, no verification, nothing, ever. I never received anything at all from Bank Card because we never had a Bank Card account. They would have had zero reason to contact me. \n\nAs I understand the requirements of the FDCPA, the Plaintiff was required to provide me all of the documents requested in my XX/XX/XXXX letter prior to taking court action. Because nothing besides the exculpatory document was provided prior to filing suit, it seems Plaintiff and Law Firm are therefore in violation of that act. \n\nAside from violation of the FDCPA, the most pertinent issue is, as I have previously stated, I am not, nor is my wife, the person that owes this debt. Neither my wife nor I have lived in XXXX XXXX, nor have we been employed in that area. In fact, after finding it on an Illinois map, we do not think we have ever set foot in or even driven through XXXX XXXX. We have lived and owned homes in XXXX, IL for the past 48 years our entire adult lives- with no break in residency. XX/XX/XXXX marked my familys fortieth anniversary living in our current house at XXXX XXXX Ct, XXXX, Illinois. I have proof. ( Copies of the original real estate transaction, real estate tax payments, utility bills, drivers licenses, passports, credit card bills and other documents ). \n\nAnd once again, I have never received any verification that I am somehow liable for the debtor with the similar name as mine from XXXX XXXX, Illinois. \n\nWith a credit score of over 800, I have reports from the three major credit bureaus as proof of my honesty, integrity, reliability, and creditworthiness. Most importantly there is a total absence of a Bank Card account listing or any mention of a past due Bank Card account on those credit bureau reports because we never had a Bank Card account. \nI dont spell my name the same way as in this charge. I have never used the spelling of the debtor who owes this debt. Therefore, I do not have an AKA as XXXX as the plaintiff claims. \n\nAt this time, I must note that in the complaint, the attached exhibit of the Bank Card statement in which the original name and address of the correct debtor should be listed, that information has mysteriously been deleted or covered upon copying. The complaint was signed by a Law Firm attorney under penalty of perjury and stated that the attached bank statement displayed my name and address, a falsehood. Any reasonable person would interpret this falsehood as improper at the very least ; some might say its even fraudulent. The reason it was covered up obviously is because the name and address on the original un-doctored document is exculpatory and doesnt fit the plaintiffs narrative. \n\nNote that I originally asked Law Firm for verification XX/XX/XXXX, twice more in XXXX and nothing was ever provided in the one year since the original request. Absent verification that I am the one liable for this debt, there seemed to be no reason the case should continue but it took three hearings and nearly five months before the plaintiff motioned for dismissal of the case in XX/XX/XXXX. \n\nFurthermore, in the complaint the Plaintiff attaches undue importance to the fact I did not respond to my receipt of the exculpatory Bank Card statement provided by XXXX. There were four very important reasons why I had not yet responded : 1 ) the proof they provided was simply the name and address of the original debtor, 2 ) there was no verification that I owed the debt on behalf of the original debtor, 3 ) I had already previously denied I personally owed the debt ( how many times do I need to state that fact? ), and 4 ) I was waiting on the remainder of the requested documents to see if they looked as illegitimate as the statement with someone elses name and address on it. \nThe FDCPA addresses this issue specifically. Neither the XX/XX/XXXX letter from Law Firm nor the XX/XX/XXXX mailing from Servicer had the required FDCPA language, a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Furthermore, the FDCPA also states, The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n\nAs previously stated, nothing else was provided prior to the filing of the complaint and there are still documents that have not been provided. \n\nFinally, using consumer background tools on the internet I was easily able to find that the original name and address of the debtor still exists. \n\nI suspect, however, that the plaintiff knows full well that I am not the correct person that owes this debt and was simply hoping I wasnt paying attention because they are having trouble finding and or collecting from the real debtor from XXXX XXXX. \nPlaintiff and Law Firm represent their seedy industry well. Incompetence, deviousness or maliciousness cost me money and significant time. I ask for {$1200.00} for compensation. \n\nI also request that Law Firm make a motion to the XXXX XXXX XXXX XXXX, XXXX, IL to amend its dismissal of this case from without prejudice to with prejudice.","date_sent_to_company":"2023-03-03T17:17:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"617XX","tags":"Older American","has_narrative":true,"complaint_id":"6644110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kohn Law Firm S.C.","date_received":"2023-03-03T16:17:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Neither the XX/XX/XXXX letter from Law Firm nor the XX/XX/XXXX mailing from Servicer had the required FDCPA language, a statement that unless the consumer, <em>within</em> 30 <em>days</em>, after receipt of the notice, <em>disputes</em> the validity of the <em>debt</em>, or any portion thereof, the <em>debt</em> will be assumed to be valid by the <em>debt</em> collector."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[9.637331,"6644110"]},{"_index":"complaint-public-v1","_id":"17023110","_score":9.570768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion Dispute of Inaccurate Negative Accounts TransUnion is reporting several negative items on my credit file that are inaccurate, inconsistent with other bureaus, or otherwise unverifiable. I have contested these over the last few years without proper resolution. This letter serves as my detailed dispute and demand for deletion of the following accounts from my TransUnion report under FCRA and Metro 2 compliance standards : XXXX XXXX XXXX Account # XXXX ( Credit Card Charge-Off, Opened XX/XX/XXXX ) : TransUnion lists this account with a balance of {$5400.00}, and likely marks it as a charge-off ( TransUnions terminology might show Charged off as bad debt ). XXXX  shows the same balance and status, while XXXX  shows nothing ( account not present ). The absence on XXXX  indicates that when I disputed it there, it was removed ( unverified ). XXXX continued reporting thus raises concern : if XXXX  couldnt verify it, can TransUnion? So far, apparently not because my disputes with TransUnion have resulted in no changes. Additionally, XXXX record for this XXXX account shows None Reported under worst delinquency ( perhaps an error in the report ) even while its clearly a charge-off account. This could be a Metro 2 coding issue where the worst delinquency field wasnt properly populated on TU. Thats yet another inaccuracy. The net result is TransUnion is reporting a derogatory account that may not meet FCRA standards of verification and completeness. I demand TransUnion delete XXXX XXXX # XXXX entirely. Keeping a charged-off tradeline that at least one other bureau found unverifiable is a violation of FCRAs fairness and accuracy principles. If TransUnion and XXXX  rely on the same furnisher data, why did XXXX  drop it? I suspect the furnisher didnt validate in time or at all. Thus TU should have removed it as well. \n\n\nXXXX XXXX XXXX Account # XXXX ( Auto Loan Default, Closed XX/XX/XXXX ) : TransUnion reports this loan with balance ~ {$9600.00} and likely a charge-off status ( reflected by multiple CO notations in payment history ). Notably, TransUnion lists a Closed Date of XX/XX/XXXX and last activity XX/XX/XXXX, whereas XXXX  had no closure date and XXXX  had none or a much earlier last update. Also, as discussed, XXXX  shows a wildly different balance ( {$19000.00} ) for this account meaning either XXXX  data is wrong or XXXX is. Given that {$9600.00} is about half of {$19000.00}, I lean toward XXXX  being wrong. But if so, TransUnion should confirm that. Has TransUnion received proper payment and charge-off information from XXXX? The differences in last activity dates suggest the bureaus stopped receiving updates at different times, which is problematic. Additionally, TransUnion did not report a credit limit or original loan amount ( XXXX indicated a XXXX term loan ). Without that context, the tradeline is incomplete on TU. All these factors show XXXX record is not as complete or up-to-date as it should be, and one bureaus data flatly contradicts anothers. I have disputed this account with TransUnion before, including highlighting the XXXX  discrepancy. TransUnion, however, verified it without reconciling the differences. Thats unacceptable under FCRAs reasonable investigation requirement. I demand TransUnion delete the XXXX XXXX # XXXX account entirely for being inaccurate and unreliably reported. If XXXX XXXX can not provide one consistent story to all CRAs, the account does not belong on my report. \n\n\nXXXX XXXX XXXX Accounts # XXXX & # XXXX : TransUnion has records of these additional XXXX accounts ( per my credit file ). Both have been subject to past disputes. XXXX own file shows repeated comments like Consumer disputes - reinvestigation in progress, indicating these have been in continuous contention. It appears one or both of these accounts might have been finally removed from XXXX  ( and possibly XXXX  ) while still lingering on TU. If so, that implies TU is alone in keeping data that others found unverified. For instance, XXXX # XXXX and # XXXX might correspond to smaller loans or credit lines that had delinquencies. If XXXX  or XXXX deleted them after dispute, TransUnion must do the same unless it has indisputable proof of accuracy. Given the pattern weve seen ( XXXX data has not been consistently reported ), I doubt such proof exists. I request TransUnion delete any remaining XXXX XXXX accounts ( XXXX ) from my file. They have been a source of multiple errors ( possibly including duplicative reporting of the same debt or misdated delinquencies ). XXXX is enough the FCRA does not permit TransUnion to simply leave contested, possibly duplicate tradelines on a report after multiple dispute cycles. \n\n\nXXXX XXXX XXXX XXXX Credit Card # XXXX ( Closed, {$200.00} limit ) : XXXX report for this card shows it was 60 days past due at worst, and the account closed with {$0.00} balance around XXXX. XXXX  shows no delinquency, XXXX  shows only XXXX lates. So TransUnion is the only bureau listing a XXXX late for this account ( specifically, likely in XX/XX/XXXX given the timeline ). If XXXX info is correct, why did XXXX  miss a XXXX late? If XXXX info is wrong, then TU has falsely reported a more severe delinquency than actually occurred. Either scenario is concerning. I suspect perhaps XXXX XXXX initially reported a XXXX late to TU but not to XXXX ( maybe an error or delay ). That means at least one bureaus data is wrong which again violates the consistency principle. I disputed this inconsistency previously. TransUnion verified the late, but I remain skeptical. I want TransUnion to re-investigate that XXXX late payment notation. If XXXX XXXX can not provide proof that I was indeed 60 days late ( and that such reporting was meant to be on all bureaus ), then TransUnion must remove that derogatory mark. Given that the account is closed and paid, even XXXX XXXX might not care to defend a single late mark at this point. For me, however, its crucial a XXXX late is a serious negative. I therefore demand either TransUnion delete the XXXX delinquency ( and any lesser delinquencies ) from this tradeline, or if that is not feasible, delete the entire XXXX XXXX account from my TU report. As it stands, XXXX portrayal makes my payment history look worse than it does on XXXX thats misleading and unfair, failing the not misleading or incomplete accuracy standard of FCRA. \n\n\nXXXX XXXX XXXX Collection ( XXXX XXXX ) : TransUnion reports this collection with original/current balance {$1100.00}, assigned XX/XX/XXXX, tied to XXXX XXXX  XXXX XXXX XXXX  also reports it ; XXXX  does not. I have disputed this debts validity. It appears LVNVs collection is only on two bureaus, which often signals incomplete reporting or that one bureau removed it after dispute ( XXXX  likely did ). TransUnion continuing to list it suggests either XXXX didnt report to XXXX  ( meaning TU is disadvantaging me uniquely ) or that XXXX  XXXX it due to a dispute. If the latter, TransUnion should have received the same dispute and should have deleted it too but hasnt. This is extremely frustrating. TransUnion is reporting a collection that at least one major bureau found unverifiable. Unless XXXX can prove the debt with proper documentation and explain why its not on XXXX, TU should not keep it. Moreover, I noticed TransUnions entry might lack a Consumer disputes this debt remark if true, that violates FCRA 623, since I have disputed it ( your records should reflect that ). I demand TransUnion delete the XXXX XXXX collection from my report. Its damaging my credit and appears to be an unverified junk debt. Keeping it when its been challenged is a willful disregard of the FCRAs dispute process. I am fully prepared to escalate this ( CFPB complaint, etc. ) if TU doesnt eliminate this derogatory item. \n\n\nXXXX XXXX XXXX Collection ( ~ {$12000.00} ) : TransUnion lists a collection for a debt related to XXXX XXXX XXXX  with an original balance of {$12000.00} ( current balance same ), which is disputed by me ( noted in comments ). XXXX  also lists it ; XXXX  does not. This suggests the collection agency ( or XXXX itself ) reported only to TU and XXXX. I have no knowledge of owing XXXX that amount beyond maybe a contested tuition/fee, and I have disputed it vigorously. TransUnions file even says Account information disputed by consumer, yet the item remains. This is unacceptable. Its been well over the 30-day window since my disputes thus per FCRA 611, TransUnion should have deleted this by now if the collector didnt fully validate XXXX. The continued presence of this collection indicates TU did not properly follow up or the furnisher responded inadequately and TU gave them a pass. Not okay. I demand TransUnion delete the XXXX XXXX XXXX  collection immediately. It is clearly unverified ( given XXXX  non-participation and the dispute flag lingering ). If it remains, I will assume TransUnion is intentionally reporting inaccurate, disputed info to my detriment, and I will include this in complaints and potential litigation. \n\n\nXXXX XXXX XXXX XXXX ( Last Updated XX/XX/XXXX ) : TransUnion is uniquely reporting a XXXX account ( likely a point-of-sale loan ) that was charged off in early XXXX. Neither XXXX  nor XXXX  list this account. This tells me two things : ( 1 ) the furnisher might have only reported it to TransUnion ( which is odd and inherently inequitable ), or ( 2 ) I disputed it with the others and they removed it ( or never had it ). I did dispute this with TransUnion in the past, but it remained. The account is closed and over 3 years old with no updates since charge-off this suggests its effectively stale. Under Metro 2, furnishers should regularly update charge-offs ( at least to reflect if sold or if any change ) ; a last update of XX/XX/XXXX means TransUnion is showing possibly outdated info. Also, since its not on my other reports, creditors see this derogatory only on TU, skewing their decisions. This is fundamentally unfair if the debt isnt fully verified. I assert that the XXXX account is not verifiable or has been resolved. I demand TransUnion delete the XXXX tradeline completely. Its dragging down my TU score for no valid reason, when peers XXXX XXXX  ) dont even show it. If TransUnion refuses, I expect a detailed explanation of how this debt was verified and why its only on TU. Otherwise, it needs to go. \n\n\nXXXX XXXX XXXX XXXX Account # XXXX ( if applicable ) : I mention this because my TransUnion report might not list one older XXXX account that Equifax/Experian had XXXX ending XXXX, last updated XX/XX/XXXX on XXXX  ). If TransUnion does not have this account, great no issue. If TransUnion does have it, perhaps under a different entry, then it could be an oversight in my file review. In any case, any XXXX account that was closed in XXXX with no negatives should not be a problem. But if it had negatives and TU never showed it ( or deleted it earlier ), then fine. I primarily flag this to ensure Im covering all bases : if some NF account got sold or something and is hidden, I dispute any negative aspect of it too. \n\n\nTransUnions Legal Duties Reminder : As a CRA, TransUnion is bound by the same FCRA provisions mentioned earlier : Accuracy ( 15 USC 1681e ( b ) ) : TransUnion must have reasonable procedures to ensure maximal accuracy. The existence of data on TU that conflicts with data on XXXX for the same accounts suggests a procedural gap. Whether its not cross-checking updates or failing to reconcile furnisher responses, something is off. These inconsistent items are prima facie evidence that my TU report is not as accurate as possible.\n\nDispute Reinvestigation ( 15 USC 1681i ) : TransUnion is required to investigate disputes within 30 days and delete information that is inaccurate or can not be verified. Many of the above TU items have been through one or more dispute cycles already. If they are still wrong, TransUnion either didnt properly reinvestigate or didnt delete after a failed verification. Thats a direct FCRA violation. Im now providing granular details to assist TransUnion there is no excuse for not getting it right this time. The law even allows a consumer to provide additional information during disputes to help resolve them ( which I have done here ). That extends the timeline by at most 15 days, but ensures the CRA digs deeper. Use this information to fix these mistakes once and for all.\n\nMetro 2 compliance : All the furnishers involved ( banks, credit unions, debt collectors ) use Metro 2 format to send data. The discrepancies in my TU file ( compared to peers ) indicate some have not followed the standardized coding properly for all CRAs. For example, one field may not be populated on TU that was on XXXX, or a charge-off flag sent to XXXX but not TU. These Metro 2 errors result in inaccurate credit reporting. Under FCRA, as cited, this makes the info disputable and removable. TransUnion should hold furnishers accountable by rejecting inconsistent data, but since it appears on my report, TU must correct or purge it now.","date_sent_to_company":"2025-11-04T16:37:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98109","tags":"Servicemember","has_narrative":true,"complaint_id":"17023110","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-04T16:35:29.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Reinvestigation ( 15 USC 1681i ) : TransUnion is required to investigate <em>disputes</em> <em>within</em> 30 <em>days</em> and delete information that is inaccurate or can not be verified. Many of the above TU items have been through one or more <em>dispute</em> cycles already. If they are still wrong, TransUnion either didnt properly reinvestigate or didnt delete after a failed verification. Thats a direct FCRA violation."]},"sort":[9.570768,"17023110"]},{"_index":"complaint-public-v1","_id":"10131658","_score":9.010293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting a formal complaint against Equifax for willfully violating 15 U.S. Code 1681i - Compliance procedures by failing to conduct a reasonable investigation and 15 U.S. Code 1681e ( b ) - Accuracy of report for failing to assure maximum possible accuracy.\n\nI believe the evidence provided substantiates that not only was Equifax in violation of 15 U.S. Code 168o ( a ) ( 1 ) - ( 2 ) for being negligent and non-compliant in their handling this claim, but also violated 15 U.S. Code 1681n ( a ), as they clearly demonstrated willful recklessness throughout the process. This is my final attempt to request that Equifax resolve this matter, or I have no choice but to exercise my private right of action. \n\nOverview : I mailed Equifax a dispute letter via certified mail on XX/XX/XXXX, and provided 60 pages of evidence, including receipts and official documentation, asking them to investigate inaccurate information reporting on my credit file regarding an erroneous debt of {$4700.00} furnished by DFAS. ( see Exhibit I : Equifax Certified Mail Dispute XXXX ) My letter explained that not only was this debt a mistake on the part of DFAS ( with irrefutable evidence to back it up ), but in addition, I pointed out multiple other errors associated with this account which were reporting inaccurately ( causing adverse action ), and asked Equifax to investigate the errors and to correct the inaccuracies or delete the account. \n\nAs youll find in Exhibit I, I provided Equifax a detailed overview of why the account is inaccurate and started by explaining that I had already contacted DFAS directly regarding the account back in XX/XX/XXXX, and they still hadnt responded to my dispute, so I was asking for Equifax to please investigate the matter directly.\n\nI also explained that I had never received any letters or notices from DFAS regarding this debt. Instead, I discovered it while reviewing my credit report. To this day, DFAS has still not sent me any letters or correspondence regarding the reason for this alleged debt. I explained that I discovered the debt while randomly reviewing my credit report and saw that it was reporting. I explained that after reaching out to multiple departments within DFAS, I finally spoke with a representative named XXXX XXXX on XX/XX/XXXX, who said her ID Number was 24. She was able to pull up the alleged debt and said it was regarding an overpayment due to the weight of a military  household goods move from XXXX XXXX XXXX, in XX/XX/XXXX and that DFAS sent the notice of indebtedness letter to that invalid address in XXXX XXXX XXXX. \n\nI explained to Equifax that this was clearly a mistake by DFAS because I was NOT in the military in XXXX, nor did I live in XXXX  or have any association with that address in XXXX. I explained that XXXX is a one-party consent state and that I recorded the entire call with DFAS. During this call, I had the DFAS representative, XXXX XXXX, admit that the call was being recorded on her end as well ; however, when I told her the conversation was also being recorded on my end, she put me on hold and then abruptly hung up. Youll find a transcribed copy of this phone call with DFAS later in Exhibit IV. I then pointed out specific evidence to Equifax, which I included within the 60 pages of attachments, and explained there is no possible way this alleged debt could be accurate for the following reasons : 1. The XXXX XXXX XXXX XXXX documents I included, validate that I was medically separated from the military in XX/XX/XXXX, NOT in XX/XX/XXXX, and I was located in XXXX XXXX NOT in XXXX XXXX XXXX XXXX \n\n2. I also included all the documents from the military pertaining to my household goods move from when I separated in XX/XX/XXXX ( to include all the receipts from that move that were returned by mail ), clearly indicating that I relocated from XXXX XXXX  to my home of record address in XXXX XXXX. Additionally, I pointed out that block 19a of my XXXX specifically lists my XXXX  mailing address ( Mailing Address After XXXX ) as the Home of Record Address in XXXXXXXX XXXX, and Block XXXX9b ( Nearest Relative ) has the same address. \n\nAfter pointing out this evidence, I asked Equifax how it would be possible for me to owe money for an alleged military households good move that took place two years and seven months after I had already XXXX  from the military, from an address in a state where, according to their own records, they I knew didnt live? I also asked them, why would DFAS mail the notice to an address that I am not associated with, in a state they know I dont live in, when according to their own records, they have my mailing address documented as the Home of Record Address in XXXX XXXX XXXX ? Not only does this clearly indicate that the debt DFAS is alleging I owe not valid, but its down right not even possible. Therefor I asked Equifax to please delete the account.\n\nAlthough this shouldve been more than enough to substantiate my dispute, I proceeded with pointing out several additional errors regarding this account, asking Equifax to investigate and correct the following incomplete or inaccurate information : If this was for an alleged charge in XX/XX/XXXX, then why does the Date Opened say XX/XX/XXXX? Wouldnt this be considered illegally re-aging the debt? \nWhy does the date open say XX/XX/XXXX, and Delinquency First Reported say XX/XX/XXXX, but the payment history data on the bottom doesnt have anything listed for XXXX, XXXX, or XX/XX/XXXX? \nWhy does this account have a C listed for XXXX and XX/XX/XXXX, indicating its in collections, and why does the account status ( under the summary section ) say COLLECTION, but this account is listed under the Revolving Accounts section of my credit report, and the Account Type says INSTALLMENT? \nWhy does it say the Date of First Delinquency is XX/XX/XXXX, but the payment history data on the bottom is blank for XX/XX/XXXX? \nWhy is the Actual Payment Amount section blank?\n\nWhy is the Date of Last Activity blank?\n\nWhy is the Activity Designator blank?\n\nWhy is the Creditor Classification UNKNOWN?\n\nWhy is the Date Closed blank?\n\nI did my due diligence and spent a lot of time and effort to ensure I provided Equifax with all the evidence they could possibly need to conduct a reasonable investigation. I took the time to ensure everything was organized and presented so that any layperson investigating could look at the evidence and quickly determine this account was not only full of errors but that the debt itself was not valid and needed to be deleted. I then spent over {$40.00} on a mailing service to ensure Equifax properly received all 60 pages in a neat and organized manner via certified mail.\n\nResponse From Equifax : On XXXX XXXX XXXX, I received a letter in the mail from Equifax dated XX/XX/XXXX. The letter stated the following : We have received your request concerning inaccurate information on your Equifax credit file. Because the information you provided as proof of your identity does not match the information, we currently have on your credit file, we ask that you send us a copy of two different items- one from each of the two categories listed below. One item will verify your identity and the other will verify your current address ( see Exhibit II : Equifax Stall Letter for ID XXXX ) Knowing that the proof of identity I provided on XX/XX/XXXX, via certified mail DID match the information on my Equifax credit file and that this was nothing more than an unethical stall tactic that Equifax regularly uses to deter consumers from pursuing their legal right to correct inaccurate information on their credit file, I decided to call Equifax at the XXXX number they provided on the letter. I recorded the phone call, including Equifax 's permission, stating, \" All calls may be recorded. '' I also had that recording transcribed and attached it here for your review. ( see Exhibit III : Equifax Recording Transcription XXXX ) I waited on hold for over 49 minutes to speak to a representative, which any reasonable person would agree is another deceptive attempt by Equifax to deter consumers from following through with their dispute. During the wait on hold, the automated message gave me the option to listen to the results of my dispute ( see Exhibit III, page 2, timestamp XXXX ) and stated Your dispute was completed on XX/XX/XXXX. The results of your dispute are as follows : for item one. We verified that this item belongs to you. For item two, Additional information has been provided from the original source regarding this item. For item three undefined.\n\nMy conversation with the Equifax Dispute Department Representative, XXXX, started approximately 49 minutes into the call. I explained to her the reason why I was calling and pressed her on two main questions. 1. How did Equifax reasonably determine that this account was verified as accurate when I provided an abundance of evidence that clearly proved otherwise? 2. Why did Equifax mail me a letter stating the proof of identity I provided didnt match the information on my credit file when it clearly matched the data on my Equifax Credit File ( Report Confirmation XXXX ) dated XX/XX/XXXX, exactly? ( See Exhibit IV : Equifax Credit File XXXX ) Despite all the evidence I provided, XXXX stated that all Equifax did was forward my dispute to DFAS and then marked it as verified because DFAS said it was. Equifax failed to conduct any independent investigation even though I explicitly stated in my letter that the reason I was disputing through Equifax was that I had already disputed with DFAS directly in XX/XX/XXXX, and they didn't rectify the situation. I even provided Equifax with copies of that dispute with DFAS, which were attached to the 60 pages of evidence I offered them on XX/XX/XXXX via certified mail, which you can find in Exhibit I. Instead of conducting a reasonable investigation, Equifax merely parroted the information that DFAS provided and ignored all my evidence with reckless disregard. \n\nNotice of Discrepancy in Address ( 15 U.S.C. 1681c ( h ) ) As for XXXX response to the erroneous letter claiming my identity didnt match, refer to Exhibit III, pages 9 - 11, starting at time stamp XXXX to XXXX. She told me to ignore that letter from Equifax because the information I provided was in fact accurate. However, the concern is why she states it was flagged, which would also violate the FCRA. She said this sometimes happens when banks or creditors access my report and provide updates with outdated or inaccurate information, such as an old address unless I request to have that address removed from my file. This is interesting because the address where DFAS allegedly mailed the notice of this erroneous debt was a very old, inaccurate XXXX XXXX XXXX, address that I had already disputed and deleted from my Equifax, XXXX, and XXXX credit files long before this account was ever reported. ( See Exhibit V : DFAS Recorded Call Transcript XXXX ). Youll also see that XXXX, who happens to be another Credit Reporting Agency that furnishes information to the larger CRAs ( such as Equifax ), sent me a random letter dated XX/XX/XXXX, stating they updated that same inaccurate XXXX XXXXXXXX XXXX address on my credit file, even though I had an active security freeze on my XXXX file, which they acknowledged in that same letter. ( See Exhibit VI : XXXX Certified Mail Dispute XXXX ) At that point, the Equifax Representative, XXXX, told me she would process another dispute to reinvestigate the DFAS account. I asked her to mail me a copy of my Complete File Disclosure and made it clear that I was not requesting just a credit report but a Complete File Disclosure, which she acknowledged and repeated back to me. This can be found in Exhibit III. She then gave me a confirmation number of XXXX for the Request for my File Disclosure and XXXX for the Request for Reinvestigation. \n\nAbout a week later, I received the Results of the Reinvestigation, dated XX/XX/XXXX, less than two business days from when the representative submitted the request for reinvestigation ( See Exhibit VII. Equifax Reinvestigation Results XXXX ). Once again, Equifax inaccurately claimed that the account was verified. I believe it's important to mention that courts have ruled that Credit Reporting Agencies are required to do more than merely make a cursory investigation to verify disputed information and relying solely on automatic dispute systems, such as the XXXX, to verify an account is accurate, while ignoring evidence provided by the consumer is considered willful.\n\nI also received the response for my File Disclosure, which Im entitled under 15 U.S.C. 1681g, but instead, all Equifax provided was nothing more than a basic credit report, not the Full File Disclosure as requested. ( See Exhibit VIII. Equifax Response for Full File Disclosure XXXX ) It's also worth pointing out that I submitted the same dispute to XXXX, and they DELETED the account right away. ( See Enclosure IX : XXXX  DFAS Account Removed ). How is it possible that when XXXX conducted a reasonable investigation, they determined the account was inaccurate? However, Equifax claims to have reinvestigated the same account twice and \" verified it was accurate '' each time. Shouldn't they follow the same industry standard when investigating disputes for incomplete or inaccurate information? \n\nAccording to my most recent Equifax Credit File ( Report Confirmation XXXX ), pulled on XX/XX/XXXX, these inaccuracies are still reporting ( See Exhibit X. XXXX Equifax DFAS Reporting XXXX ). As you can see, Equifax is still reporting a Date Open of XX/XX/XXXX, and fails to provide a Date of Last Activity, indicating the account has been illegally re-aged, despite all the evidence Ive provided. The Account Status is reporting as a Collection, and under Comment 1, Comment 2, and Comment 3, it states this is a collection account for XXXX, XXXX, and XXXX ; however, its listed on my report as an Installment Account. As you can clearly see, the Collections section of my credit file states, You currently do not have any Collections in your file. How is that possible? Also, the Balance and the Amount Past Due both report {$4700.00}, which is higher than the High Credit, which reports {$4600.00}. How can the Balance or the past due be higher than the high credit? In addition to that, the Creditor Classification, Activity Designator, Date of Last Activity, Actual Payment Amount, Charge Off Amount, and Terms Frequency are all either blank or unknown.\n\nSummary : In summary, Equifax failed to conduct a reasonable reinvestigation, not once, but twice in a row. If Equifax is going to report information on me, its their responsibility to ensure the data is being reported with maximum possible accuracy. Had Equifax taken a few minutes to read my certified letter and review the overwhelming evidence I provided, they wouldve immediately seen that it would be virtually impossible for me to owe this debt, and even if I did ( which I do not ), they are illegally reporting inaccurate details and dates, making it appear as a new debt, when in fact even if it were legitimate ( which it is not ), it would be from XX/XX/XXXX, not XX/XX/XXXX. I have made every possible effort to resolve this amicably, yet Equifax chose to violate their congressionally mandated duties. \n\n\nMy final request is for Equifax to do the right thing : conduct a reasonable investigation, weigh the evidence I provided, and either correct the inaccuracies or delete the account. As much as I would love for Equifax to do the right thing here, it would be naive to think that they will. If this doesnt resolve the issue, I fully intend to exercise my private right of action in Federal Court .\n\nViolations : 1. Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) 2. Failure to Correct Errors ( 15 U.S.C. 1681i ) 3. Failure to Conduct Proper Reinvestigation ( 15 U.S.C. 1681i ) 4. Re-aging the Debt ( 15 U.S.C. 1681c ) 5. Notice of Discrepancy in Address ( 15 U.S.C. 1681c ( h ) ) 6. Civil Liability for Negligent Noncompliance ( 15 U.S. Code 168o ( a ) ( 1 ) - ( 2 ) ) 7. Civil Liability for Willful Noncompliance ( 15 U.S. Code 168n ) Exhibits : Exhibit I. Equifax Certified Mail Dispute XXXX Exhibit II. Equifax Stall Letter Requesting ID XXXX Exhibit III. Equifax Recording Transcription XXXX Exhibit IV. Equifax Credit File XXXX Exhibit V. DFAS Recorded Call Transcript XXXX Exhibit VI. XXXX Certified Mail Dispute XXXX Exhibit VII. Equifax Reinvestigation Results XXXX Exhibit VIII. Equifax Response for Full File Disclosure XXXX Exhibit IX. XXXX  DFAS Account Removed","date_sent_to_company":"2024-09-15T06:11:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"148XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10131658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T05:40:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>also</em> asked them, why would DFAS mail the notice to an address that I am not associated with, in a state they know I <em>dont</em> live in, when according to their own records, they have my mailing address documented as the Home of Record Address in XXXX XXXX XXXX ? Not only does this clearly indicate that the <em>debt</em> DFAS is alleging I owe not valid, but its down right not even possible. Therefor I asked Equifax to please delete the account."]},"sort":[9.010293,"10131658"]},{"_index":"complaint-public-v1","_id":"6567450","_score":8.880377,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T16:17:25.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"6567450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-13T16:14:01.000Z","state":"OK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[8.880377,"6567450"]},{"_index":"complaint-public-v1","_id":"6569934","_score":8.8759,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. XXXX  XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX  XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. CO CHILD SUP Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX  XXXX XXXX  Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-14T16:57:54.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"801XX","tags":null,"has_narrative":true,"complaint_id":"6569934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-14T16:38:02.000Z","state":"CO","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[8.8759,"6569934"]},{"_index":"complaint-public-v1","_id":"4176876","_score":8.734375,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint for Review The Fair Credit Reporting Act, 15 U.S.C. 1681, Att : Federal Trade Commission & Consumer Financial Protection Bureau This Complaint is Against the 3 major Credit reporting Agencies as well as the XXXX XXXX, and/or any entity that generates Credit Scores.\n\nFrom our research and/or looking into the ongoing matters and/or correspondences and/or informations obtained from others and/or correspondences it appears that FICO and/or Credit Scores are a way to circumvent credit protection laws in place and/or are a model thats used to manipulate the outcomes of percentage rates given to consumers. And its being communicated and/or represented appearances are itself is without any rules or regulations or oversight and/or is there any dispute processes available in relation to the same. \nThat it is adversely effecting economics and the wellbeing of all entities as well as consumers and/or is part of the economic system collapses, past and future, affecting financing, businesses, households as well as the average persons etc. \nIt appears it is controlled by the creditors & credit reporting agencies and/or others generating FICO and/or credit scores model 's and/or entities without any compliance to consumer protections laws, and dispute processes. \nFor example, being able to obtain what the 3 reporting agencies are reporting at no cost within limitations ( Currently more than one free report per year ) in references to an consumers FICO and/or credit score without being charged by the reporting agencies. You can not obtain a free copy f your credit score from any of the reporting agencies and/or or the summaries they are providing to creditors and/or amongst themselves and/or FICO and/or credit score generating entities compliances to regulations requirements in references free reports and/or by the 3 reporting agencies. \nThis pertains to their availability being provided to consumers in references to FICO and/or credit scores and/or summaries prior to and/or by the 3 reporting agencies as per known consumers protection regulations. This makes it so that requirements are being circumvented as well as a mystery with 100 's of variables. \n\nFurthermore, the credit reporting agencies and/or those generating FICO and/or credit scores claim that they dont provide credit scores to consumers and when consumers enquire are made, they are alluded to any such request in writing and/or are circumventing them. \n\n\nFor example, TransUnion ( Please note we are not picking on any one particular we are presenting this about all of them and/or those involved in what the topics we are presenting to you ). \nIt clearly States \" if you like to receive your \" TransUnion Credit Score \" please provide payment then they state \" score if applicable. '' This creates an atmosphere where consumers aren't able to know which of the 100 's of models will be used and/or are applicable to them at any time or during times they are considering financing. \nThis in turn is manipulated by creditors while forcing consumers to have, numerous hard inquiries which lower their scores. \nBecause of the classic tactic used by creditors is, that your rate payments and/or if you qualify is dependence of your FICO and/or credit score which is not free of charge and good luck on that one. The FICO score is a shame and its part of the shell game and it needs to be addressed by this agency and/or the agency needs to forward this complaint to whoever has jurisdiction and/or legislators and/or those who handle Fair Credit Act Violations. Our last complaint fell on death ears and we hope and pray that the new administration will review this complaint and take proper actions to put an end to the Credit Score Shell Game Shame. \nThe Credit Score Which is a secrete between the reporting agencies entities and/or the creditors and the circumvention is the 100 's of models used and even according to TransUnion and the other 3 Credit reporting agencies is a mystery. \nIt also eliminates any prequalification processes excused by the FICO and/or scorecard entities and/or elimination of numerous hard credits inquires instead it increases the need for hard inquiries. \nWhen in fact the same entities have the ability to do soft credit inquires without any consumers consents. All while putting consumers at a disadvantage while opening the door for manipulation of the same and/or rates, credibility and/or for the shell game to occur. The days of Soft inquiries are over and/or The Credit Score Shell Game Scam is the new norm no matter how unfair and biased it is as well as flawed. \nAccording to TransUnion response 100 's of models are used throughout the United States and there are so many variables to generate any one FICO and/or credit score so the XXXX are plentiful. \nAnd if that wasn't bad enough every hard credit inquires drops consumers scores because of the 100 's of models used predicts consumers credit unworthiness and/or that a consumer is less credible due to any given models prediction. \nAlthough some may consider it as one inquiry or lower ones scores less while other 's may not. And again, because there is 100 's of methods used one agency may not of consider it so while others may again its presented as a mystery with many variables created to circumvent any regulatory protections put in place. \nIt also allows the creditors to play the shell game all while raising the price and/or interest rates available to the average consumers and/or denying average consumers of the reserves available at such times that usurping is occurring by scrupulous individuals and/or a limited partnership. \nWhile doing so impacting the overall economy by creating a negative impact on it in the long term by forcing the Fed to drop interest rates creating usurping of scrupulous individuals of those drops which most everyone else is not eligible because of these matters we are reporting about. \nWho then are benefitting from them through a limited partnership of investors that uses high risk methods, such as investing with borrowed money, in hopes of realizing large capital gains and/or through manipulation and/or circumventing preventive measures legislated and/or put in place? \nMeanwhile its usurping the reserves and/or creating higher payments and/or restricting availability of reserves to a limited partnership of investors. Creating a situation where as themselves exclusives in possession of and/or control of the supply of and/or trade in a commodity or services and/or rates reserves etc. available at any given in any point of time. \nAll while having an overall negative impact on the economic systems creating collapses by making such reserves unavailable to consumers and just available to the scrupulous limited individuals who are usurping them. \nWhom also are profiteering from the crashing of the financial economics systems while placing the burdens or bankrupting companies, which may be for-profit, non-profit or government-owned, that sells the promise to pay for certain expenses in exchange for a regular fee, called a premium? All of which is creating the need for an act of giving financial assistance to a failing business or economy to save it from collapse. \n\nThe same situations occur when the 100 's of models used predicts one who has the capacity to enter a binding contract has and/or wants to increase the amount of merchant accounts or creditors by lowering their scores. Which is a clear violation of the Fair Credit Act it is discrimination at its best and it based on models that those who are circumventing the Fair Credit Act have willful designed with the purpose to do such. Its not based on your actual history or records it based on a model that most people dont actually fit in. A one size fits all. Its based on other people or some model that some annalist concocted. We will get into some specific situations that occurs in my instances and/or complaint. \nThis also forces and/or opens the door for consumers and/or entities go outside of the United States for financing or to scrupulous or shady characters and/or those engaged in money laundering. \nCreating a negative impact in doing so also creates jitters in the stock markets. And a domino effect of selling of stocks again it impacts the overall economy based on predictions created by a computer prediction system. \nThis is full of unknown variables, which in any given time could change. This in fact in the past has caused the markets to crash. Creating regulatory changes where human interaction is required and/or other safeguards had to be put in place. \nSo basically, it appears their circumventing credit laws that are applicable and are in cohorts with financial institutions and/or FICO and/or other such entities being without any oversight, guidance and/or standards. \nNor can consumers dispute what they are reporting in references to consumers credit scores and/ or their summaries and/or FICO and/or Credit Scores assigned by them and/or any entity. \nWhich the amount of interest rates or availability of credit and/or is the gauge of consumers credibility along with a summary as in the copy we provided to the regulatory oversight agencies and/or ones credibility is determined by and/or based on The Credit Score Shell Scam. \nOr can consumers know what the methods used were or can consumers have any FICO and/or credit scores that are incorrect fixed because there is \" hundreds '' and those methods no one can know except those using them at any given point of time and they can vary. \nSo therefore, they are correct as well as the process according to such by appearance. \nThis should be an indicator that something is wrong and/or of no consistency due to errors and/or data, predictions and/or validity and/or 100 % accuracy isnt occurring properly. \nCreating variables that can be manipulated and/or have an adverse effect on a consumers credit rating, is considered it appears, to be represented as the norm by them which concocted by some analysis based according to them what other people have done. \nAnd as they will state and/or have stated its up to the financial and credit reporting agencies and/or FICO and/or an entity to determine what that is by manipulating and/or generating the \" 100 's of scoring models used today '' Which predicts & profiles, that is discriminatory by its very nature. And uses analysis of hundreds of others prior billing payments made and/or historical data. And not by the individual themselves. \nThen they are allowed to place whomever they want however they want in any category they want without any consistency creating variables in a category whether applicable or not. \nLets look at an example of that if you pay off a Mortgage in full your credit score drops because you paid and account and closed it. ( See Attached copy of Screen Shot ) So, if you borrow and pay back, youre punished by having to pay higher rates and/or even not being able to be granted credit. Because of the Credit Score Shell Game Scam. \nIn this example I had a few different mortgages for different properties al that were paid on time. As well as at times refinanced and/or paid in full. \nLets review some of that the 1st unfair and/or inaccuracy that occurs by the analysis model is that when you refinance a mortgage to get a lower interest rate which increases your income to debt ratio your credit score drops. That is not appropriate and opposite of what should occur. People who do smart money management or lower interest rates lower the length a mortgage are put into the Credit Score Shell Game Scam. And their credit score drops instead of going up. \nNext, they also totally act as though there is no history of mortgage payments for example when you refinance to increase your income to debt ratio the prior mortgage is paid in full. Your then placed in the category which is not correct for the asset and/or the property and/or what has occurred your Credit Score Shell Scam drops. The reason explained is because 2 things one you closed an account. So, are people supposed to keep a mortgage account open that was paid off? Being paced in that category is erroneous and not correct and/or should it be allowed and/or applicable. \nLets look at another worse example. If you pay off your mortgage then own the property outright and have no more mortgage payments on that property. Once again, your wrongfully paced in the Credit Score Shell Scam. \nFor example, your mortgage that you paid off was XXXX a month and you have a duplex that is renting for XXXX a month and a property that you own ( Asset ) Worth Approximately XXXX and you just increased your income to debt ration your credit score drops again because of the Credit Score Shell Scam. \nAgain, its unfair not accurate and is erroneous and/or not based on your actual situation. And/or credit worthiness. Its based on the Unfair Credit Score Shell Scam. \nYoure also punished if you use cash to make purchase and/or pay off bills to avoid interest charges and/or fees. That again punishes and literally fines people for smart management of money and/or their credit to debt ratios. \nFor example, you got a credit card from XXXX XXXX at 0 % interest to work on another duplex so you could lower the mortgage payment and get a better rate as well as pull equity out while updating improving the property to make it so that an apartment income that was not prior could occur. Then you pay off that card because the original agreement you made with the creditor and/or XXXX XXXX was you had to pay the bill off by a certain time to avoid interest cost and be at 0 %. Afterwards your credit score drops again and why well because of the Unfair Credit Score Shell Scam. \nSo, if you have no credit cards and/or have mortgages they dont matter because you dont have credit cards. If you get a credit card for a certain reason then pay it in full and close that account you are again punished because of your good money management and/or keeping your cost down and increasing cash flow and/or savings. You score will go down because Consumer Closed Account. \nYour supposed to keep accounts open so they can charge you fees and/or membership fees and/or in hopes that you max it out and can not pay it seems be the hidden agenda and/or how it is in appearance all of which is hidden and allowed by the so-called Fair Credit Act. \nAnd its all, up to all of them, by doing such manipulative things like the % rates a consumer will be eligible for and/or is based on and/or calculated at any given point of time and/or even afterwards they dont have to correct it. \n\nThen when new data occurs and/or when the previous data predictions were incorrect and/or one of the hundreds of models used predictions was wrong and/or no ones held accountable nor is it fixed and/or adjusted.\n\nThey also dont have to show consumers nor can consumers dispute what them secrete clubs summaries are in references to the ones generated until afterwards ( you apply for credit and then you get a reason of any action and/or rates based on the credit score in that model ) and there is no process or oversight for such a dispute. \nFurthermore, conveniently they dont have to provide such to consumers because they are circumventing the laws in place to protect the consumers and/or are manipulators by proxies. Or can consumers know and/or or request what those methods are because there is hundreds \" of them. \nThis is a clear violation of consumers rights and protections laws under many areas and we are notifying you so you can fix this and/or send to those who can. \nIn the past we asked reporting agencies in writing witnesses by this consumer protection agency about this and/or their processes and they alluded time and time again and/or play a game of words that cleverly talks their way around it in writing. Lack of action made it so I have to pay a higher interest rate then what my actual rate should have been all because of the Unfair Credit Score Shell Game Scam. \nWe remind everyone of them that doesn't elevate their having to complying with the laws. Or is it an acceptable excuse in having not too. That these reporting agencies have discriminated against me and its costing me money as well as making it difficult to do anything in an ecconmy that needs stimulus packages. It also forces people to have higher payments and rates that all of whom qualify for such and again the reason being the Unfair Credit Score Shell Scam. \nFrom the beginning they played coy ; We had no choice except to file complaints that in the prior administration fell on death ears we hope and pray this will not be the case with the current administration we dont need free credit reports every moth we need an overhaul of the processes we are reporting on. \n( Those report case numbers can be provided at request you will note everything we are reporting now ). You already had them and the record of actions are very clear to anyone who wants to do the proper credit analyses.\n\nWhen inquiries were generated, they would tell us about financial agencies FICO score models or any non-pertinent information about themselves are part of the process or summarizing consumers reports. \n\nThey were also well versed on them we continued and/or are repeating that request and/or results of such investigations into those previous requests made in writing or investigations of all of which they alluded to. They also play the blame game or the loop hole well we are just reporting what the 100s of models that are used to give a credit score so therefore we are not responsible for them and/or either are they and good luck trying to dispute it and/or request accuracies. \nSo even though you may get that from them or some entity or one of the 100 's of models used and report it to anybody its not their ( The 3 credit reporting agencies ) responsibility if its wronged its theirs ( the 100s of models being used ) and/or because there are 100s of ways scores can be determined and/or models used all which can vary. When in fact they are charging for such reports? \nFor example, for vehicle purchases a different model is used then for a Mortgage the so-called credit Karma and others Credit Score Shell Scam can be different so there is no way for any consumer to get a report thats applicable to any given instance and/or accurate. You can pay for one but it may not serve the purpose of why you paid to know it because it may not be used by the lender. Lenders dont have to tell you what one they will use and you have to let them do a hard inquiry which drops your Credit Score Shell Scam.\n\nOr is it that consumers aren't allowed to know by whomever what methods were used or is there any regulatory guidelines standards and/or any way to dispute them. Because the way to circumvent and/or manipulate such protections is to scapegoat the topic by saying we just report information provided by creditors and/or or FICO Credit Scores and/or one of the hundreds of models used ''.\n\nAnd consumers can just dispute anything except FICO or credit scores which is the most important part of your credit report. \nAnd just those who produce credit scores and/or credit reports know those processes and/or the 3 credit reporting agencies just have to give consumers information on those things that they are willing to and/or they dont have to verify the validity of it? As well as address disputes related to them and/or methods used during such processes based on their reporting? Does not seem like a Fair Credit Act to me. \nSome if you do their jobs and/or give them information thats not included will boost your scores while others will charge you to do so. Experian is a perfect example of that Credit Score Shell Scam.\n\nThe scores for sale trend and good luck with that one because even if you use it the creditor can use any model they want and/or make a new one. All of it is allowed and there is no oversite and the Fair Credit Act is circumvented once again. \n\nWhen you address it, they respond by shifting the blame to FICO and/or the credit scores and/or 100s of models used. \nWhich again we ask all involved in this report we are generating. What are the processes to dispute that aspect of consumers reports ( credit scores and with whom? And/or how ) which determines what consumers interest rates will be at any given point of time and/or consumer 's credibility rating is?\n\nIts the most important part of your credit reports and its not covered in the Fair Credit Act and is a way to circumvent it.\n\nWe also became aware of another violation if you try to get pre approvals and make any statement on such requests that is supposed to be a soft inquiry that information is used to lower your Unfair Credit Score Shell Scam. \nI was discriminated during such a process and as well as became aware of an error that was put on my account as well as to how they discriminate against anyone who retires. If you retire you Credit Score Shell Scam drops. It doesnt matter what your actual status is. \nThat is discriminatory most people who retire their homes and cars are paid off they have a pension and/or social security which is a violation The Fair Credit Act. However, it is allowed to occur because of the Unfair Credit Score Shell Scam. \nAnd which we remind the reporting agencies of your purpose for generating reports are based on which your companies are profiting from. And the law is they must be accurate which they are not because of the Unfair Credit Score Shell Game Scam. \nWhat are the consumer protections requirements etc.? What are the consumers rights protection laws dispute processes or governing processes for those matter 's? Why is there no required information that must be given to consumers during such processes about it? Or is it that those requirements have been willfully circumvented? \nBe forewarned the 3 reporting agencies are directly involved in these proceedings and should be held accountable no matter how it chooses to try to scapegoat its responsibilities under the law. \n\nAnd as you are witnessing it will be addressed and/or reported too and/or by the proper authorities and us as well as legislative branches when applicable and as per our request during filing this report. \nWe also now request that an analysis of the markets be done by an independent consumers rights agency since the introduction of FICO and/or Credit Scores to determine what extent its effects are and/or what the impact is. \nWe will not tolerate such activities from anyone who is engaging in such practices as the mentioned appearances are apparent. \nAnd we will work together with anyone who wants to comply and conform and/or address any pending matters and/or shortfalls of consumer protections and rights as well as the reporting agencies and everyone else 's rights in an applicable manner. \nTogether we should all be concerned about the heartbeat of the financial economics mentioned above together we stand divided we fall. If the stability of economics crashes all will suffer including those worldwide. \nLets get to the meat and potatoes of things and review this topic. \n\nFrom our research and/or looking into the ongoing matters and/or correspondences and/or informations obtained from others and/or our correspondences it appears that FICO and/or Credit Scores is a way to circumvent credit protection laws in place and/or are a model thats used to manipulate the outcomes of percentage rates given to consumers. \n\nAnd it's being communicated and/or represented appearances are itself is without any rules or regulations or oversight and/or is there any dispute processes available in relation to the same. And its in non-compliances and/or appearances are its circumventing SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. \n\nCongressional findings and statement of purpose as it pertains to Accuracy and fairness of credit reporting and also Reasonable procedures ( b ) ( a ) 1-4 specifically in references to consideration or lack of consideration of certain factors by credit scoring systems resulting in negative or differential treatment of protected classes under the Equal Credit Opportunity Act, as well as many others. ( Note we are not going to list through all the codes and/or infractions at this time and they are very clear and obligatory. ) That it is adversely effecting economics and the wellbeing of all entities as well as consumers and/or is part of the economic system collapses, past and future, affecting financing, businesses, households as well as the average persons etc. It appears it is controlled by the creditors & credit reporting agencies and/or others generating FICO Credit Scores models and/or entities without any compliance to consumer protections laws, and dispute processes. \n\nFor example, being able to obtain what the 3 reporting agencies are reporting at no cost within limitations in references to an consumers FICO score without being charged by in this example TransUnion and/or or the summaries they are providing to creditors and/or amongst themselves and/or FICO generating entities compliances to regulations requirements in references free reports and/or by the 3 reporting agencies ( which includes the scores and/or 100s of models scores ). In references to it pertaining to the availability being provided to consumers in references to FICO scores and/or summaries prior to and/or by the 3 reporting agencies as per known consumers protection regulations.\n\nThat making it so that requirements are being circumvented as well as a mystery with 100 's of variables in 1681c1 2 Access to free reports. And it is obvious that things 15 U.S.C. 1681 et seq addresses needs to occur. Furthermore, their claims are that they dont provide credit scores to consumers yet on page 3 of their prior response ( and it appears they are trying to again elude these requests in writing and/or are circumventing them ). It clearly States if you like to receive your \" Credit Score please provide payment then it states \" score if applicable. '' Thank you for your time and reviewing this report.","date_sent_to_company":"2021-03-02T18:30:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"080XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4176876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-02T18:15:46.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They <em>also</em> <em>dont</em> have to show consumers nor can consumers <em>dispute</em> what them secrete clubs summaries are in references to the ones generated until afterwards ( you apply for credit and then you get a reason of any action and/or rates based on the credit score in that model ) and there is no process or oversight for such a <em>dispute</em>."]},"sort":[8.734375,"4176876"]},{"_index":"complaint-public-v1","_id":"6566142","_score":8.355772,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n4. The inquiry was not authorized XXXX OF Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n7. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n8. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n9. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n10. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n12. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n13. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n14. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n15. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T20:14:45.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"07055","tags":null,"has_narrative":true,"complaint_id":"6566142","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T20:09:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[8.355772,"6566142"]},{"_index":"complaint-public-v1","_id":"6567353","_score":8.299614,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. \n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\nXXXX.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\nXXXX. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nXXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, XXXX in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T16:51:31.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"6567353","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T16:37:26.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I <em>dont</em> remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A )."]},"sort":[8.299614,"6567353"]},{"_index":"complaint-public-v1","_id":"6566177","_score":8.153674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANXXXX YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND XXXX ALPHANUMERIC SOURCE CODE ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \n\n7. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n8. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n9. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\n10. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n12. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n13. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n14. XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n15. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T20:14:26.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"07055","tags":null,"has_narrative":true,"complaint_id":"6566177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-13T20:08:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[8.153674,"6566177"]},{"_index":"complaint-public-v1","_id":"2498461","_score":7.9538393,"_source":{"product":"Mortgage","complaint_what_happened":"confirmation for XXXX Ombudsman\n\nXXXX XXXX \nAttachmentsXXXX XXXX (6 days ago)\n\nto Ombudsman \nHi XXXX,\n\nI am in receipt of the letter from SPS of notice of default.  I was waiting for the email you were going to send regarding our recorded conversation on XXXX XXXX XXXX at XXXX  MST.  I also am waiting for you to call me back after you sent your manager notice regarding my rights to request a forbearance for six months for the amount owed of $XXXX, as we discussed in our conversation.\n\nPerhaps SPS should have instructed me to fill out forbearance forms instead of re-modification forms since I already have a remodification with HAMP, when I told SPS back in XXXX XXXX, and every month since about my financial hardship that was impending. To that statement, there are no specific forbearance forms or payment plan forms on the SPS website to fill out.\n\nAs I'm sure you recall since the call was recorded, I told you that I would like to speak with the owner of the note and you told me that the owner was XXXX.  You didn't mention XXXX XXXX. Now, are there different loan numbers for XXXX and XXXX  XXXX as I do not see those numbers in the letter from SPS that I received today.  HUD, the Colorado AG, and OIG want these numbers for verification of the loan.\n\nOf note, the only dispute I have with SPS is the fact that they had me fill out the wrong forms (RMA) and there appears not to be any forbearance forms or repayment of a late payment form/agreement on the SPS website or in any SPS communications but they do state that these are options for consumers. \n\nThank you for the help.  I look forward to speaking with you regarding the request for forbearance/repayment plan that we discussed.  And could you please make sure that you send me the bank loan numbers for each bank and the correct forms that I should fill out for SPS non-banking facility.  Again, thank you so much for the assistance in this matter, I look forward to your call.\n\nCordially, XXXX XXXX XXXX XXXX XXXX, XXXX., XXXX., XXXX XXXX XXXX XXXX XXXX, CO XXXX\nemail: XXXX phone: XXXX XXXX XXXX Attachments area\n\nXXXX XXXX \nAttachmentsXXXX XXXX (6 days ago)\n\nto relationship.m. \nHi XXXX XXXX,\n\nI am forwarding this email I sent to the Ombudsman XXXX XXXX.  It seems to me I should have filled out a forbearance or repayment form for the $XXXX rather than the RMA forms.  I brought my financial hardship to SPS attention in XXXX XXXX XXXX.  No one sent me  a letter that the RMA forms were denied.  This is extremely frustrating as it make it appear that I have not been communicating on this matter which is not true.  I have spoken every month with someone except after XXXX XXXX XXXX when SPS stopped communicating with me.  No messages, status updates, emails, or phone calls except for XXXX who called to set up three ACH payments. The third is due Saturday, XXXX XXXX XXXX.  \n\nThe LOD is for XXXX XXXX XXXX per XXXX XXXX, yet the letter states XXXX XXXX XXXX, and I requested a chance to make payment of $XXXX in full within six months.  XXXX stated that she would send this to a manager.  My thing is that I was not told of this \"denial\" in XXXX or any other time via SPS website that I have been monitoring.  Of course, I would not qualify for a RMA, I have one already so I should have been informed and given the forbearance and repayment paperwork to fill out which is not on the website and was never sent to me just the RMA forms, which you all received as I was denied a RMA.  I did notice after the phone call between XXXX and myself, I received an email at my personal address and on the website regarding the XXXX XXXX XXXX Event in XXXX, CO between XXXX-XXXX MST.  As XXXX and I spoke, I wondered why I would go to this if the only people that are going to be present are people that only fill out forms and have no earthly idea of what the loans and settlements state?  That is what I got from XXXX when she told me she did not know of XXXX XXXX $XXXX XXXX dollar settlement for subprime loans, the loans she is working with.  I'm getting confused as to SPS role. I understand SPS to be a debt collector only. They do not have rights to loan as they do not have a brokerage license in Utah, they cannot rewrite loans, they can only collect a check and threaten people with foreclosure. There is much double speak from XXXX, and it's not her fault, she is after all just reading off a computer screen and I doubt she or any of the ombudsman have a degree in finance.\n\nI just think that if someone who initiated contact in XXXX XXXX, and is dealing in good faith with SPS, SPS, XXXX, and XXXX XXXX, should follow the laws set forth in the criminal settlement agreements and afford the borrower/consumer who is dealing in good faith time to cure.  \n\nI have notified the Colorado AG, HUD, and OIG per some guidance through SPS letters.  I want this situation corrected.  I have stated that through all of my communications yet, I get strung along in an attempt for XXXX to grab my home.  It will not happen.  I have been up front and fair.  XXXX, SPS and XXXX are the one's still attempting to scam the borrower.  According to HAMP and the settlements, I the borrower have a right to cure.  I need the appropriate paperwork given to me by SPS to fill out so I may exert that right.\n\n\n\n\n \n\n\nHotline to HUD.gov 8 of 606  \n \nPrint all In new window\nSelect Portfolio Services/XXXX Fraud\n\n\nAttachmentsXXXX XXXX (8 days ago)\n\nto hotline \nHi,\n\nI sent the attached on the website yesterday.  I sent an email to SPS that I notified the OIG and today I received a call from SPS that they denied my request from XXXX XXXX XXXX for a hardship assistance.  If I could speak to someone that knows about the XXXX XXXX settlement and how the HAMP program works (which is online and very understandable in english and XXXX, however XXXX at SPS doesn't seem to understand how any of this works.) it would be greatly appreciated. XXXX told me that she didn't know anything about any of the banks and subprime fines and settlements that sent the U.S. crashing in XXXX. If she doesn't know anything about this why is she working at SPS?  Why is she coming to XXXX, CO., XXXX XXXX XXXX between the hours of XXXX-XXXX WITHOUT attorneys to explain the XXXX XXXX settlement to the people of Colorado? How can she help the people of Colorado or any other state with the XXXX XXXX settlement if she does not know the laws and speak on the laws of the HAMP/HARP modification program? This is deceitful business practice on the part of XXXX and SPS.  It's a money grab and another way for them to steal more homes from people in order to make up their XXXX in fines.  \n\nThe second attachment is what I got today when I logged on to SPS.  Still no messages, no status, no record initially for me to look at but I did capture a ghost page that I did file electronically in XXXX XXXX  and then per email XXXX XXXX XXXX by SPS deadline. XXXX told me that SPS sent me a decline letter. I told her I had not received any denial from SPS.  I owe 2 months payment $XXXX.  I told SPS that this was going to occur back in XXXX XXXX through email and phone and asked them if I could put it on the back of the loan or get a forbearance and that is when they had me fill out modification paperwork.  I didn't want a modification, I already had it, I just needed more time to catch up the 2 months because my disability payments weren't enough for all of my bills between XXXX XXXX and now.  I could not record today's call with XXXX so I asked her to send me a copy of the recorded call.  She said I could subpoena it.  I gave permission to record the call, I should be sent a copy of it.\n\nI initiated the contact with SPS.  I knew that I was going to have issue's because I had to pay $XXXX for my XXXX degree so I could get an easier XXXX job so I don't have to live off XXXX.  All I was asking for was time for 2 months worth of payments and now SPS/XXXX says I'm in default (which technically I am, I know) but I thought these programs and settlements were set up to help people instead of harming them more.  I didn't ask for a subprime loan. I didn't ask to have XXXX XXXX and other major XXXX.  I've paid on this house since XXXX and have only had issues when XXXX bought out XXXX XXXX.  I've paid over $200,000 for a $XXXX loan since XXXX. I trusted XXXX.  I asked XXXX to put me in contact with XXXX because when I call they say they don't have me as a customer, yet SPS has no rights to change the loan they are just a servicer, debt collector.  XXXX stated that XXXX  denied the modification for me that they did in XXXX.  SPS has been taking my payments since then.  XXXX sold the servicing rights to SPS in the middle of my modification.  XXXX/SPS never filed with the county the modification papers but they accept my payments.  So the question becomes is the modification real/valid?  Is XXXX and SPS stealing money from me and thousands of others? XXXX doesn't have the original paper work or the original deed that is why they cannot file with the county.\n\nI'm so over this. I'm sure you are as well.  I worked with Colorado Housing Authority for my modification.  SPS is doing the same business practices as they did when they were called XXXX XXXX XXXX.  The government shut them down and banned the owner from participating in any debt collecting or banking services.  Guess what...when the government shut down XXXX XXXX they allowed the employee's to change the name, open up SPS and they kept the same business practices.  You know, the practices that put us in the Great Depression in XXXX.\n\nSPS and XXXX string people along until there is no return.  They do not follow the laws or settlement agreements.  This needs to be investigated.  Just type in SPS reviews and you get the same story over and over.  Thousands of people across the country cannot be colluding against the banking industry.\n\n\nOIG Letter re: SPS/XXXX\nHi,\n\nI have/had a mortgage with XXXX.  In XXXX, with the assistance of Colorado Housing, I applied and obtained a modification.  This is all in question now as the original modification with XXXX was transferred in the middle of the process to Select Portfolio Services formerly XXXX XXXX XXXX., shut down by \"you the government\" for engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans. XXXX was allowed to reopen as Select Portfolio Services and oversee HARP/HAMP modifications. The actual owner was not allowed to do business as SPS but his executive cronies were/are. \n\nThe issue now is I am XXXX and I came upon a financial hardship recently and wrote/spoke with SPS.  They had me fill out RMA documents and offered \"modification/forbearance\" for the two payments that I have been behind on.  I have filled out the paperwork twice, once on their website and then I filled it out by hand and emailed everything to them on their timeline.  SPS has stopped communications with me.  I have NOT stopped communicating with them.  SPS sent me a  letter last week telling me to fill out \"modification forms\", yes the same modification forms that I already sent in.  Today, XXXX XXXX XXXX, I received a letter from SPS stating that on XXXX XXXX XXXX between XXXX-XXXX  they are holding an event in XXXX at the XXXX to address the XXXX XXXX bulk settlement agreement.  SPS is doing the same thing they did as XXXX XXXX XXXX.  I will go into this meeting and come out of it with yet another modification that will not be filed appropriately with XXXX county as SPS/XXXX/whoever does not have original loan documents or my ORIGINAL DEED to the property.  I have requested on several occasions for SPS/XXXX  to produce the original Deed and they have refused.  So I would like you as the OIG office for housing to tell me how much longer to I get to be XXXX XXXX by these people?  I have made over $200,000 on this property since XXXX on a $XXXX loan with my mother. When she died, I received the DEED to the property due to insurance.  This would be why SPS/XXXX does not have the original DEED and why they have NOT filed the modification paperwork from XXXX, XXXX, or now.  Yes, I went to XXXX XXXX XXXX XXXX and dealt with XXXX XXXX.  SPS has accepted my payments without filing with XXXX county.  Thus, they are still keeping the reputation of, \"engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans.\" Which unfair practice, subprime loans, a made up interest rate, pick any that are in the SEC claims. \n\nNobody deserved what these people did to them.  I'm much better off as I at least now know that I've been XXXX by SPS/XXXX and the government because everybody that works for these people lied and cheated not only me but thousands of people.  Yet, we continue to get XXXX and lied to and we have no recourse nor do we have the ability to hire attorneys that know what the hell is going on.  I can't afford an attorney.  I get $XXXX dollars per month.  I pay all of my XXXX medications as XXXX doesn't kick in until my $XXXX deductible. Yes I pay $XXXX bucks a month to XXXX for NO insurance coverage. I do however get discounts on my XXXX XXXX medications by XXXX XXXX in my community.  I'm suppose to be paying for my XXXX and XXXX from my XXXX XXXX, but I need to have gas, electric, and water in order to keep the XXXX XXXX running.  I can't afford to pay my utilities, medications, so I cut, I don't go to the doctor anymore because I cannot afford the co-pays.  I'm stuck right now through no fault of my own. XXXX just happens. I have tried and tried to correct the mess that I have found myself in by myself and with the help of Colorado Housing and XXXX XXXX.  But apparently NOTHING is enough.\n\nThe housing bubble that occurred in XXXX, is happening again because it is allowed by our government regardless of settlements.  Please stop this.  Please help me stop SPS/XXXX from taking my home that I have paid $XXXX for on a $XXXX loan.  I am a good citizen and I didn't deserve this nor did others deserve this.  I don't deserve it happening to me again.  How do I stop them?  They don't seem to have to follow the laws, regulations, or settlement agreements that have been set.\n\n\nOffice of Inspector General\nU.S. Department of Housing and Urban Development\n\tCONTACT XXXX","date_sent_to_company":"2017-05-31T20:49:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"801XX","tags":null,"has_narrative":true,"complaint_id":"2498461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-05-31T20:21:11.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["confirmation for XXXX Ombudsman\n\nXXXX XXXX \nAttachmentsXXXX XXXX (6 <em>days</em> ago)\n\nto Ombudsman \nHi XXXX,\n\nI am in receipt of the letter from SPS of notice of default.  I was waiting for the email you were going to send regarding our recorded conversation on XXXX XXXX XXXX at XXXX  MST.  I <em>also</em> am waiting for you to call me back after you sent your manager notice regarding my rights to request a forbearance for six months for the amount owed of $XXXX, as we discussed in our conversation."]},"sort":[7.9538393,"2498461"]},{"_index":"complaint-public-v1","_id":"6567712","_score":7.91756,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\nXXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. \n\nXXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. \n\nXXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T16:17:34.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"6567712","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T16:14:09.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[7.91756,"6567712"]},{"_index":"complaint-public-v1","_id":"6573404","_score":7.8604937,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.\n\nNOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n\n1. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n2. XXXX XXXX XXXX  BANK Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \n\n3. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n4. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n5. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n6. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n7. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n8. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n9. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n10. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\n11. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \n\n12. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\n13. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n14. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-14T20:12:34.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"23464","tags":null,"has_narrative":true,"complaint_id":"6573404","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-14T20:08:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["* Please remove all non-account holding inquiries Please note that you have 30 <em>days</em> to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided <em>within</em> ( 5 ) <em>days</em> of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification."]},"sort":[7.8604937,"6573404"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":41,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":41}]}},"product":{"doc_count":41,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":23}]}},{"key":"Debt collection","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":8}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other type of mortgage","doc_count":1}]}}]}},"issue":{"doc_count":41,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to get your credit report or credit score","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":12}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":7},{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":5},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Public record information inaccurate","doc_count":3},{"key":"Account information incorrect","doc_count":1},{"key":"Old information reappears or never goes away","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":41,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":40},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":41,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":27},{"key":"Closed with non-monetary relief","doc_count":14}]}},"submitted_via":{"doc_count":41,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":41}]}},"company":{"doc_count":41,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":11},{"key":"EQUIFAX, INC.","doc_count":10},{"key":"Experian Information Solutions Inc.","doc_count":6},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":41,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":7},{"key":"NY","doc_count":7},{"key":"IL","doc_count":5},{"key":"CO","doc_count":4},{"key":"NJ","doc_count":4},{"key":"OK","doc_count":3},{"key":"VA","doc_count":3},{"key":"CA","doc_count":2},{"key":"GA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MO","doc_count":1},{"key":"PA","doc_count":1},{"key":"SC","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":41,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":19},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":41,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":3},{"key":"Older American","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[7.8603134,"6573404"]}}}