{"took":364,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13836926","_score":20.69337,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws. \n\nSummary of What Is Happening : Inconsistent Account Status : XXXX  lists the account as Open. \n\nXXXX  and TransUnion list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \n\nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in dispute now resolved by data furnisher. '' XXXX : \" Account previously in dispute now resolved reported by subscriber. '' TransUnion : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for XXXX  which are unjustified, given the payment and resolution history. \n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:43:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13836926","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T15:42:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dispute</em> <em>Process</em> <em>Mishandling</em> : The comments <em>section</em> <em>notes</em> the <em>dispute</em> was <em>resolved</em>, but <em>each</em> bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in <em>dispute</em> now <em>resolved</em> by data furnisher. '' XXXX : \" Account previously in <em>dispute</em> now <em>resolved</em> reported by subscriber. '' TransUnion : \" <em>Dispute</em> <em>resolved</em> reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules."]},"sort":[20.69337,"13836926"]},{"_index":"complaint-public-v1","_id":"13836924","_score":20.69337,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws. \n\nSummary of What Is Happening : Inconsistent Account Status : XXXX  lists the account as Open. \n\nXXXX  and TransUnion list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \n\nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in dispute now resolved by data furnisher. '' XXXX : \" Account previously in dispute now resolved reported by subscriber. '' TransUnion : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for XXXX  which are unjustified, given the payment and resolution history. \n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:43:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13836924","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T15:42:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dispute</em> <em>Process</em> <em>Mishandling</em> : The comments <em>section</em> <em>notes</em> the <em>dispute</em> was <em>resolved</em>, but <em>each</em> bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in <em>dispute</em> now <em>resolved</em> by data furnisher. '' XXXX : \" Account previously in <em>dispute</em> now <em>resolved</em> reported by subscriber. '' TransUnion : \" <em>Dispute</em> <em>resolved</em> reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules."]},"sort":[20.69337,"13836924"]},{"_index":"complaint-public-v1","_id":"13851648","_score":20.67824,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by IC Systems To Whom It May Concern : I am submitting this complaint against IC Systems XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws.\n\nSummary of What Is Happening : Inconsistent Account Status : XXXXXXXX  lists the account as Open. \n\nXXXX  and XXXX  list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX  : \" Account previously in dispute now resolved by data furnisher. '' XXXX  : \" Account previously in dispute now resolved reported by subscriber. '' XXXX : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for 2025, which are unjustified, given the payment and resolution history.\n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:34:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13851648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-06-02T15:22:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Dispute</em> <em>Process</em> <em>Mishandling</em> : The comments <em>section</em> <em>notes</em> the <em>dispute</em> was <em>resolved</em>, but <em>each</em> bureau records a different resolution narrative : XXXX  : \" Account previously in <em>dispute</em> now <em>resolved</em> by data furnisher. '' XXXX  : \" Account previously in <em>dispute</em> now <em>resolved</em> reported by subscriber. '' XXXX : \" <em>Dispute</em> <em>resolved</em> reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules."]},"sort":[20.67824,"13851648"]},{"_index":"complaint-public-v1","_id":"2864883","_score":12.411318,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir or Madam, I am writing you to file a grievance of Discovers mishandling of my checking accounts in an attempt to resolve suspected fraud. \n\nOn XX/XX/XXXX, I received an email that my debit card PIN had been reset. I logged-in to my online banking to notice that someone had withdrawn {$400.00} from an ATM in XXXX, NE. I immediately called Discover and alerted their fraud department. ( enclosure DFS PIN Reset Confirmation ) I was told that a debit freeze would be placed on my account that would prevent further money from being taken out of my account. I was told that I could not open a new checking account and transfer my frozen funds until pending transactions had cleared. During this time Discover rejected an attempted debit for a XXXX credit card payment. ( enclosure XXXX Returned Pmt ) On XX/XX/XXXX, I called Discover again to check on the status of the pending transactions. A new checking account was opened, and funds were transferred from account ending in XXXX to the new account ending in XXXX. I was also told that a replacement debit card would be expedited, and new checks would be printed and mailed. It is my understanding that after transferring the funds, the agent was supposed to reinstate the security freeze on my old account. She failed to do so. \n\nOn XX/XX/XXXX I called Discover again because I had not yet received my new debit card. I was told that a debit card was never ordered, but the agent placed the order while they had me on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nOn XX/XX/XXXX I called Discover because a small positive balance remained on my old account ending in XXXX, and I wanted the funds transferred to my new account ending in XXXX. I was told that a pending transaction in the amount to {$1900.00} ( my monthly rent payment ) was in process and so funds could not be transferred. It was reasonable for me to think this transaction would be rejected ( because the attached XXXX transaction had rejected ) I contacted my landlord and let them know the issue. I also authorized my landlord to debit my new checking account in the amount of {$1900.00} to cover XX/XX/XXXX rent payment. I was attempting to avoid having a late fee assessed on my rent. Late fees are assessed after the 3rd day of the month. \n\nThat evening I received an email a little after XXXX XXXX alerting me that I needed to deposit funds into my old account ( ending in XXXX ) by XXXX XXXX in order to cover a deficiency balance, otherwise a NSF charge would be assessed. ( enclosure DFS NSF Email ) Note : The email was sent at XXXX XXXX, but according to the email, I needed to provide funds 10 hours prior in order to avoid a fee. This seems unfair. I can do a lot of things, but I can not travel backwards through time. \n\nI immediately called Discover and alerted them to the issue. I asked two questions. 1 ) Why is a transaction pending on my old account? It was my understanding that a debit freeze was implemented. and 2 ) Will I be charged an NSF fee? \n\nI was told by the agent not to worry that the transaction would be rejected, and the agent made a note to check my account the following day when she arrived at work so she could reimburse the fee if needed. She also admitted that the security debit freeze was not re-added to my old account after the previous agent had shifted funds from my old account to my new account. I appreciated the agents helpfulness and honesty, but in short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nAfter we addressed that issue I asked the agent if my checks were on their way. I was told by the agent that checks were never ordered, but she placed the order while I was on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nAround XXXX XXXX that same evening, I checked my account balance in my new account and was SHOCKED to learn that {$1900.00} had been moved from my new account ( ending in XXXX ) to my old account ( ending in XXXX ) in order to cover the deficiency balance. \n\nI immediately called Discover again and protested the charge. I asked them to stop payment. I was told that nothing could be done, and that I should attempt to call the fraud department the following morning. \n\nThe morning of XX/XX/XXXX, I called Discovers fraud department and asked them to fix their mistake regarding erroneously lifting the debit freeze on my old account. I was told the Fraud department couldnt do it, and that I should talk to Customer Service. I was transferred. Customer Service told me they couldnt do anything, and I needed to speak to the Dispute Department. The agent placed me on hold and called the Dispute Department, and then told me the Dispute Department would not assist me until the second transaction cleared. \n\nThis is not my fault. Discover mishandled my accounts and I was forced to choose between paying rent late, and incurring a fee, or making two rent payments, and avoiding a fee. Discover should have prevented the first transaction from clearing, and they surely shouldnt have transferred funds from a new account to and old account that was being investigated for fraud. On top of that I did not sign up for overdraft protection, and I did not authorize Discover to shift funds from one account to the other. \n\nI pleaded with Discover to fix their mistake and reject one of the two transactions, and they refused to help me. I shifted {$2000.00} out of my savings account to cover the second transaction. \n\nSo now I have a credit of {$1900.00} with my landlord. In essence I paid rent for XX/XX/XXXX and XX/XX/XXXX. I would like Discover to credit me the interest I would have earned in my Discover savings account on that amount for 27 days. The time between me initiating the second transaction and the date XX/XX/XXXX rent would have been due. \n\nIt is absurd that Discover was unable to provide a provisional credit for {$1900.00} while they reversed the unauthorized transaction that stemmed from the ineptness of their agent. aIts absurd that they wouldnt allow me to dispute the first transaction, and insisted that I wait for the second transaction to clear, and then dispute the second transaction. Two missteps do not cancel each other out. \n\nAccording to my phone logs, I have spent 3.15 hours on the phone with Discover attempting to resolve this issue without success. \n\nI believe the actions of Discover are unfair and deceptive as defined by Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC Section 45 ) and the Dodd-Frank Act Discovers failure to reject one of the two transactions of {$1900.00} has caused substantial injury to me, and is unfair. Discovers actions of telling me that new checks and a debit card where being sent to me when the agent didnt process the order is deceptive, because it is likely to mislead. \n\nThroughout this whole process I was provided conflicting and contradictory information by Discover. \n\nIt is my hope that the CFPB can intervene and require Discover to own their mistake, apologize, and offer reasonable restitution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-04-05T04:39:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2864883","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-04-05T00:30:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Customer Service told me they couldnt do anything, and I needed to speak to the <em>Dispute</em> Department. The agent placed me on hold and called the <em>Dispute</em> Department, and then told me the <em>Dispute</em> Department would not assist me until the second transaction cleared. \n\nThis is not my fault. Discover <em>mishandled</em> my accounts and I was forced to choose between paying rent late, and incurring a fee, or making two rent payments, and avoiding a fee."]},"sort":[12.411318,"2864883"]},{"_index":"complaint-public-v1","_id":"2814607","_score":9.802277,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Loan Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, TX XXXX United States Securities and Exchange Commission XXXX County Sheriff Office of Consumer Fraud XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Ocwen Loan Services Attention Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flordia, XXXX The letter is a letter of disputed debt unded the 15 U.S. Code 1692 validation of debt. The letter is also regarding Foreclosure Fraud and Texas Status of limitation. I am asking Ocwen to provide proof of who the mortgage company not the trustee, which is XXXX. I am aking for the name of the actual mortgage company as I have asked in this letter sent to Ocwen, which was never revealed. Ocwen has a forecloser on my home schedule for XX/XX/XXXX. As noted in the US Code I have a right to know the name of the company that this debt is owed. Ocwen seems to only record XXXX XXXX   as the bank for the loan. I have never done business with XXXX XXXX or for that matter Ocwen. I am asking for Ocwen to produce the Name, Address of the Mortgage company that they service. I am asking for the mortgage company to be produce as paid in recourse on the Promissory note and deed, with the stamp date of sale and signature on the promissory note. status of limitation ( b ) DISPUTED 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the  original creditor. \n\nOcwen acknowledges in their letter sent to the CPFB XX/XX/XXXX they do not know the originator of the Promissory note. They content that the original note holder is XXXX as the mortgage company and XXXX XXXX as the trustee. There is no way this can be, and if so this is a retroactive trust, which is Foreclosure Fraud which is illegal. Please note the transfer of assignments. The According to debt collection laws, as stated above if you do not know you shall cease collection of the debt or any disputed portion thereof. \n\nIn the notice of acceleration letter dated XX/XX/XXXX Ocwen list there address as the mortgage company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. Ocwen states the servicer is authorize to represent the Mortgagee. This is the issue who is the Mortgagee they are representing. I have asked this question several times and with no answer from Ocwen as you can see in their letter. Ocwen has created fake transfers of assignment to take possession of my home. How I know the transfers list OCWEN only and they are retroactive to an old trust. Not only that, the transfers were done 2 years after OCWEN states they took over the Loan. In XX/XX/XXXXOcwen was not allow to do any transfers due to Illegal activity Fraud.\n\nI am not the only person they have done this to using the back mortgage trust as the Mortgage company this is illegal. They can not retroactive a mortgage agreement. XXXX does not even have the transfer of assignment from the sale of XXXX. This loan was a fraud form the start and Ocwen knows it there are so many companies listed in the XXXX  system with the address of my home, and it shows a company that has the mortgage, but the issues is I never signed a contract or done business with the company. \nI have no new information showing any other mortgage company since XXXX who were taken over by the FDIC Federal Government for Fraud Foreclosures and Mortgage loans. I have checked the XXXX system that shows this loan has been sold so many times that the deed is now cloudy. Ocwen sent a transfer of deed, which is void due to the recording shows XXXX. This is a violation of the RESPA laws of 60 days. \nHome Equity Mortgage Loan Asset-Backed Trust Series INABS 2006-B, Home  Equity Mortgage Loan Asset-Backed Certificates Series INABS Status of limitation Under Texas laws of status of limitation foreclosure laws Ocwen has lost their right to a non-Judicial foreclosure under these laws. Ocwen stated in the letter provided dated XX/XX/XXXX the home was in an active foreclosure since XX/XX/XXXX, if this is the case and Ocwen did not implement the foreclosure the status is pass. Under Texas laws if a Non Judicial foreclosure sale has not taken place within four years the home can not be foreclosure via a Non Judicial foreclosure.\n\nTexas Civil Practice and Remedies Code - CIV PRAC & REM 16.035. Lien on Real Property 1.\n\n2. ( a ) A person must bring suit for the recovery of real property under a real property lien or the foreclosure of a real property lien not later than four years after the day the cause of action accrues.\n\n3. ( b ) A sale of real property under a power of sale in a mortgage or deed of trust that creates a real property lien must be made not later than four years after the day the cause of action accrues.\n\n4. ( c ) The running of the statute of limitations is not suspended against a bona fide purchaser for value, a lienholder, or a lessee who has no notice or knowledge of the suspension of the limitations period and who acquires an interest in the property when a cause of action on an outstanding real property lien has accrued for more than four years, except as provided by : 5. ( 1 ) Section 16.062, providing for suspension in the event of XXXX  ; or 6. ( 2 ) Section 16.036, providing for recorded extensions of real property liens.\n\n7. ( d ) On the expiration of the four-year limitations period, the real property lien and a power of sale to enforce the real property lien become void.\n\n8. ( e ) If a series of notes or obligations or a note or obligation payable in installments is secured by a real property lien, the four-year limitations period does not begin to run until the maturity date of the last note, obligation, or installment.\n\n9. ( f ) The limitations period under this section is not affected by Section 3.118, Business & Commerce Code.\n\n10. ( g ) In this section, real property lien means : 11. ( 1 ) a superior title retained by a vendor in a deed of conveyance or a purchase money note ; or 12. ( 2 ) a vendor 's lien, a mortgage, a deed of trust, a voluntary mechanic 's lien, or a voluntary materialman 's lien on real estate, securing a note or other written obligation.\n\nI HAVE NOT PAID ANYMONEY TO OCWEN NOR XXXX XXXX. OCWEN STATED THE HOUSE WAS IN FORECLOSURE IN XX/XX/XXXX THAT MEANS ACCORIDNG TO THE LAWS ABOVE THEY CAN NOT FORCLOSE USING A NON JURICIAL SALE Loan of Securitization Please note the loan is a loan of securitization Ocwen has obtain the loan through a seller market know as XXXX. Ocwen does not hold the promissory note to the home XXXX XXXX XXXX XXXX XXXX The Loan originated via a broker who solicited low income individuals with credit scores below 600. The process is know as Securitization. The broker sales to the market Warehouse of banks MER and XXXX XXXX at the time and later purchased by XXXX XXXX- ( XXXX-based XXXX agreed to purchase XXXX in XX/XX/XXXX for {$14.00} per share ) XXXX supposedly sold this loan around XX/XX/XXXX to XXXX servicer and XXXX XXXX XXXX XXXX I never received the transfer. I learn all of this by research. \nXXXX goes out of business and now XXXX comes in for the foreclosure of the loan this is pure securitization. The promissory note must has the original signature, which OCWEN has stated they do not own the loan they just service the loan with that you can not foreclose on my home. The trustee which is a substitute for XXXX XXXX has stated they do not own the promissory note. XXXX XXXX it seems do not hold the original promissory note due the loan seems to have been transferred from Ocwen. \n13. Ocwen states I was behind on my payments. Not true there was a plan in place by XXXX as stated in Ocwen Letter. Ocwen stopped taking payments and requested a modification. This was not obtainable due to Ocwen continuing lost of paper work or stating they were missing documents.\n\n14. Ocwen asked me to reapply for the loan and denied the loan stating it was more then 90 days pass due and that is why they could not obtain a modification. I explained to Ocwen per your letters in XX/XX/XXXX the loan was pass the 90 days. Ocwen asked me to reapply. XX/XX/XXXX.  Ocwen stated the house was in a foreclosure status when they obtained the loan in XX/XX/XXXX, if this is the case they have missed their right to a non judicial foreclosure sale it past the status 16. After much research I realize the loan was a Fraud after Ocwen nor XXXX XXXX  does not appear on the promissory note or deed. Ocwen attached the trust to a retroactive trust XXXX XXXX whom purchased XXXX. DOJ filed a complaint regarding XXXX XXXX see below. \n17. The mortgage company in the MERS is not somebody I have done business with also the loan has been sold so many times with most of the lenders not even appearing on the promissory note in Mers. This is racketeering, and a loan of securitization. \nhttps : XXXX I have asked Ocwen and XXXX to cease and desist they are not on the deed or the promissory note. I am demanding the sale date of XX/XX/XXXX is removed due to they do not have the correct documentation showing they are the owner of the property. \n\n\n\nViolation of Texas Foreclosure Procedures Ocwen did not notify me of a FORECLOSURE date on my property until after XX/XX/XXXX. I received notice from a source that my loan was in FORECLOSURE and posted at the County courts forsale. Without receiving a demand letter, or a certified by mail letter. \nOnce again as of XX/XX/XXXX Ocwen filed for foreclosure on the property without show who is the mortgage company name. Ocwen also violated Texas Foreclosures laws as it pertains to non-judicial foreclosures not only are they past the four-year status they are committing Foreclosure fraud. \nI have not been notified in writing as of XX/XX/XXXX by first class mail via the mortgage company nor the trustee office, but they have a sale date on the property of XX/XX/XXXX. I am to be certified in writing, before the posting of the property goes up for sale. See information listed in this letter due to this has been happening since XXXX with Ocwen not following the procedures. They not only did not follow the procedures they keep trying to take my home without proof of the mortgage company. \nFraud Foreclosure. Ocwen Loan Services and XXXX XXXX are violating Texas Foreclosure laws by committing fraud. I have never done business with Ocwen or XXXX XXXX as in contracting on my home. Ocwen in XXXX stated they purchased my loan. When question if they own the Loan they referred back to an old mortgage I had with XXXX as the mortgage on my home. I at that time knew it was a fraud, because XXXX had my loan maybe 6 months to a year before selling the loan. I asked them to provide proof all they can provide is a fraud transfer of assignment in XX/XX/XXXX and XX/XX/XXXX. The transfers are fraud. When asking for the name and address of the mortgage company they provided XXXX XX/XX/XXXX as the back trust. I knew something was wrong being I never done business with XXXX XXXX. In my research what I learned is XXXX XXXX purchased XXXX in XX/XX/XXXX way after my loan had been purchase. Then i notice this is retroactive to a prior trust this is fraud. There is no where on the deed of trust or the promissory note that shows I have done business with this company. \n\nf a Mortgage Assignment is dated, notarized and filed in a year after the year set forth in the name of the grantee trust on the Assignment, it is actually an Assignment specially, and in many cases, fraudulently, made to facilitate foreclosures. \n\nThese Specially-Made Assignments have created havoc in the courts. In many cases, the Specially-made Assignments are dated AFTER the foreclosure action has been initiated, making it appear that the Trust somehow magically knew prior to the assignment that it would acquire the defaulting property several months after the foreclosure action was initiated.\n\nRepeatedly, courts have asked Trustees to explain why they were acquiring non-performing loans and whether such acquisition was a violation of the trustees fiduciary duty to the Trust. No Trustee has ever come forth and explained that the Trust actually acquired the loan years before the Assignment. As a result, there are many decisions with observations similar to this observation made by XXXX XXXX XXXX XXXX of XXXX County, New York, in XXXX XXXX v. XXXX, 21 Misc. 3d 1124 [ A ] :  Further, according to plaintiffs application, the default of defendants XXXX and XXXX began with the nonpayment of principal and interest due on XX/XX/XXXX. Yet, four months later, plaintiff XXXX was willing to take an assignment of the instant nonperforming loan. The Court wonders why XXXX would purchase a nonperforming loan, four months in arrears? \n\nAnd in XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX, New York, Index No. XXXX/XX/XX/XXXX ( XX/XX/XXXX ) : The information provided explains what Ocwen and XXXX is doing. This is Foreclosure Fraud and they do not own the property. I could not understand why I was unable to obtain a modification the reason is the plan was in place when I purchased my home to foreclose the property.\n\nNext Ocwen has miss the Status of Limitation in the State of Texas to file a Non Judicial foreclosure, which is four years in Texas. Ocwen stated in their letter that the home was in foreclosure in XX/XX/XXXXthat means the stature has passed. \nI am asking Ocwen to provide the name address, and phone number of the company that has the mortgage. The XXXX system shows about 20 different companies with this same home loan. This is impossible being I never done  business with the companies listed in XXXX.  XXXX XXXX shows as the last active account and I have no idea who they are and never received any information on the company. Next, Ocwen only can provide some fraud transfer of assignments dated XX/XX/XXXX way pass the RESPA laws of 60 days. In the transfer it states C/O for XXXX bank. That does not make it legal. I am asking Ocwen to provide the name of the Mortgage company, reveal the names of the group of investors and phone numbers. Ocwen even stated in their letter sent they were not around for the origination of the loan, therefore they have not knowledge of the original loan. You have violated the Debt Collection law if you can not prove the Debt you must cease and desist. Under the Debt collection laws. Also Ocwen never wrote my business. Texas has band Ocwen from doing any new business. I have informed Ocwen that they do not own my loan or can write any new business.\n\nContinue to file foreclosure without notifying the homeowner via certified mail.\n\nContacted Ocwen on XX/XX/XXXX and spoke with Ocwen Escalation manager who I informed to contact XXXX due to the manager stated he saw no foreclosure date on the property. When contacting XXXX they stated there was a sale date on the property and Ocwen has not been notified as of yet. The issuer is a violation of debt collection laws and Texas Foreclosure laws. I must have received a current up to date demand letter within 30-60 days given me the opportunity to cure the default. I am at this time disputing the debt. ( 1 ) Ocwen  does not hold the original promissory note. ( 2 ) The process was not followed. ( 3 ) This is a violation of the Debt Collection Laws. ( 4 ) Securitization is illegal. Foreclosure date added again XX/XX/XXXX.0 Transfer of assignments 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Ocwen transfer of assignments are voided due to illegal active and fraud the company has committed as listed by the All Fifty Attorney Generals XXXX, Fla.Attorney General XXXX XXXX and Florida Office of Financial Regulation Commissioner XXXX XXXX XXXX today filed a federal civil consumer protection lawsuit against XXXX XXXX XXXX of XXXX XXXX XXXX and its subsidiaries, Ocwen Loan Servicing, LLC and Ocwen Mortgage Servicing , Inc., for mortgage servicing misconduct.  According to the complaint, Ocwen harmed Floridians by filing illegal foreclosures, mishandling loan modifications, misapplying mortgage payments, failing to pay insurance premiums from escrow and collecting excessive fees. \nOcwen has been band in the State of Texas from writing new business. I applied so many times for a mortification with Ocwen and each time Ocwen found a way not to accept the modification. Ocwen, also stated they gave a modification XX/XX/XXXXand I miss the first payment. This modification was never finalized due to it was an in house modification. I am asking for the transcript of the phone conversation from Ocwen that proves the loan was cancel and resent XX/XX/XXXX after requesting the Hamp II modification that I qualified for.\n\nOcwen decided not to send the modification in time to make me miss the first payment. As listed in communication to the Attorney General of Florida and the Attorney General of Texas the first class envelope showing when the documentation was sent. I found out later that Ocwen had put an illegal mortification on my home without my signature. I noticed this on the bill and when questioning Ocwen about the modification. Ocwen explained the modification was added to the loan. I asked how can that be without my signature or a verbal agreement between the two of us. Ocwen stated they did not need a signature for them in house modification or a verbal agreement. I find this hard to believe there was no execution of documents this is illegal b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.\n\nWhen you sign a mortgage note it comes under UCC Article 3. After  securitization, it comes under Article 8. Under US law securitization is illegal because it is fraudulent. Ocwen has sent documentation to the Attorney General office with my name as the signer of the deed with OCWEN as C/O. I do not have any documentation with OCWEN. The document with XXXX  as we know is a fraud along with XXXX who sold the loan years ago. I have no new documentation showing they repurchased the loan and they are the servicers of the loan. I have no new documentation showing that XXXX XXXX repurchased the loan and did a transaction with OCWEN. XXXX sold to XXXX and XXXX XXXX, who did not send a transfer of assignment per RESPA laws. XXXX was seized but The loan was a subprime loan and I have proof. I had to file a bankruptcy in XX/XX/XXXX and the trustee filed many motion to get the correct amount for the loan due to XXXX and XXXX XXXX Bank kept increasing myloan. The attorneys and Trustee filed to obtain the correct loan amount, which took XXXX XXXX XXXX a year to give the correct amount. \nI had no idea my loan was a loan of Mortgage Fraud Securitization. I had no idea this loan was a fraud until I could not secure a HAMP II modification. The denial caused me to look closer into my loan and demand OCWEN provide proof of the loan. The documentation provided were only copies without the originals. Furthermore, the transfer of assignment recording shows 2years after the suppose transfer XX/XX/XXXX. The transfer supposedly took place in XX/XX/XXXX.I will be sending more information regarding the transfer. \n\nI will be sending in more information to the Attorney General, CPFB, all the attorney generals in the UNITED STATES, on The HAMP II modification and proof. At this time this is a demand for OCWEN to stay away from my deed. This is a demand that OCWEN remove the foreclosure Date. This is a demand that OCWEN provides a promissory note showing they are the originator of the Loan. This is a demand that OCWEN stop violation of the Fair Debt Collection LAW. This is a demand that Ocwen provide proof of the demand letter in the current year with date of certification.\n\nPower of Sale Foreclosure Guidelines If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows : 1. Prior to proceeding with a foreclosure, Texas laws state that the lender must mail the borrower a letter of demand, informing the buyer he has twenty ( 20 ) days to pay the delinquent payments or foreclosure proceedings will begin.\n\n2. At some point after the borrowers twenty ( 20 ) days have expired, but at least twenty one ( 21 ) days before the foreclosure sale, a foreclosure notice must be : 1 ) filed with the county clerk ; 2 ) mailed to the borrower at their last known address ; and 3 ) posted on the county courthouse door.\n\n3. The foreclosure sale must take place on the first Tuesday of any month, even if said Tuesday falls on a legal holiday, but only after the proper preliminary notices have been given. The sale is on the courthouse steps by auction to the highest bidder for cash. Anyone may bid, including the lender, who bids by canceling out the balance due on the note, or some part of it.\n\nLenders may obtain deficiency judgments, but they are limited to the difference between the fair market value of the property at the time of sale and the balance of the loan in default. \nTransfers and Modifications Please note as to the dispute documentation from Ocwen showing they sent the letter of transfers and it shows in the transfer that I was notified regarding the Section 6 Real Estate along with the transfer. Ocwen seems to States they sent several documentations to my current address the problem are there is no proof of mailing to the address. I have asked Ocwen in writing several times to certify me when mailing documentation. This was put in the dispute letter stamped by Ocwen received on XX/XX/XXXX. Ocwen sent affidavits for the proof of mailing this is not the sam Ocwen seems to have a habit of saying they mailed items, which were not received. I am asking them to provide the proof of mailing. \nFRAUD TRANSFER OF ASSIGNMENT NEED TO BE RESOLVED After asking the question to Making Home Affordable about fraud and modification. I at that time realize the loan was a fraud and contacted the Attorney General office of Texas, and Florida. This opens up more criminal activities as a servicer is lying saying they hold the promissory note. NOTE : At one point, any person can create a transfer of assignment and register it with the County Real Property.\n\nThe transfer Owen created shows the transfer was done in XX/XX/XXXX violation of the RESPA there is no way they sent me a letter this late in process. Also there is no mortgage company that backing OCWEN servicing company. The company that transfer the loan is no longer in business XXXX servicer and XXXX XXXX XXXX. \nOcwen is stating that XXXX XXXX  is the Trustee Bank and XXXX XXXX is the servicer. As you can see in the transfer by Ocwen in XX/XX/XXXX they listed XXXX XXXX who was my servicers and XXXX XXXX   my mortgage company in XX/XX/XXXX. I have not received any notification from Mortgage it that they are servicing my loan again nor the bank that is backing them I am asking for the proof of mailing.\n\nThe original mortgage Originated with Alternative Mortgage who transfer the loan to XXXX XXXX who does not own the promissory note. I will have to say after tracing back documentation this agreement was not clear and I did not have the knowledge of the issues that have taken place from origination of the loan. This is truly the process of Securitization and no one holds the original deed and promissory note XXXX as you can see was not the originator of the loan therefore can not hold the promissory note. Ocwen has purchased a fraud loan. The information on the Law of Securitization the loan is a fraud. The intent was all along to foreclose on my home and defraud the government and me the homeowner. I filed for bankruptcy XX/XX/XXXX OCWEN  stated they sent many documents I never received. I am requesting they show proof of mailing of all denial letters as I asked them to certify all documentation XX/XX/XXXX in order to resolve the issue of my statement never received. Ocwen stating we sent it to the customer. As we know they have been sued for miss dates to customers when mailing documentation. \nNever Resolved I was offered a modification in XX/XX/XXXX, but I missed the first payment date of XX/XX/XXXX per Ocwen. I responded to the Ombudsman office showing proof of mailing dated please see envelop that shows the date I received the modification that I had requested several time. I question Ocwen on, if they offered me a modification and it shows on the statement. Please explain why there was not signature and my approval of the false modification you put on the statement to cover the lie that you sent me a modification and I missed the first payment. I was sent documentation that showed no signatures on the modification. I asked how can you implement a modification without signatures. I was told on the in house modification they do not need a signature. I never approved this modification. Another one of Ocwen Scams. \nThey filed affidavits of mailing. I HAVE NEVER DONE BUSINESS WITH OCWEN OR XXXX XX/XX/XXXX. In the MER system my house address is listed with about 20 different mortgage companies that had the loan and I was never notified. Also the mortgage that shows active I have never done business with. OCWEN NOR XXXX XXXX  is listed as one of the mortgage ocwner or trustee. \nOCWEN AND XXXX XXXX HAVE ATTACHED MY MORTGAGE TO AN OLD TRUST AND IN XX/XX/XXXX WHEN I DISCOVERED IT AND CONFORTED OCWEN, THEY WENT AND DID A TRANSFER OF ASSIGNMENT MAKING CORRECTION TO THE LOAN. OCWEN WHEN ASK TO SEND THE TRANSFER OF ASSIGMENT FROM XXXX XXXX  THEY CREATED ANOTHER TRANSFER OF ASSIGMENT WITH CARE OF C/O XXXX XXXXI am demanding they stop trying to put my home for sale to the first buyer to obtain cash and the deed is fake. I am demanding this foreclosures sale is stop Debt collect laws states if they can not prove the debt they must cease and desist. I am demanding the name of the investors, the mortgage company name and address that has the deed and promissory note with stamp paid to as it was listed for all other deed transaction. \nSincerely, XXXX XXXX Once again they did not follow the Texas Foreclosure Procedures to send a certified letter of the sale within 20 days per Texas laws and 30 days per my contract. I am requesting a copy of the certification that was sent. I am disputing the debt.","date_sent_to_company":"2018-02-14T18:42:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"2814607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-02-14T18:10:56.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["date of the last <em>note</em>, obligation, or installment.\n\n9. ( f ) The limitations period under this <em>section</em> is not affected by <em>Section</em> 3.118, Business & Commerce Code.\n\n10. ( g ) In this <em>section</em>, real property lien means : 11. ( 1 ) a superior title retained by a vendor in a deed of conveyance or a purchase money <em>note</em> ; or 12. ( 2 ) a vendor 's lien, a mortgage, a deed of trust, a voluntary mechanic 's lien, or a voluntary materialman 's lien on real estate, securing a <em>note</em> or other written obligation"]},"sort":[9.802277,"2814607"]},{"_index":"complaint-public-v1","_id":"18971665","_score":9.364548,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The email sent to Venmo : I am writing to formally dispute the resolution of a recent case involving my account, as funds have been incorrectly withheld and taken following a mishandled dispute on Venmo 's behalf. I am asking for this matter to be evaluated and reviewed immediately, as the resolution is inaccurate and has caused financial harm. \n\nTo contextualize the situation in which the dispute arose, a table at a club was booked through my friends and I that was worth over {$1000.00}. My friend and her other friends said they wanted to come and would put money towards the table. My friend began to feel sick and could not make it, but her two friends said they still wanted to come and pitch in for the table. To split it evenly, the two girls would have had to pay around {$150.00} each, but I was willing to give them a large discount and they agreed on paying {$70.00} each, meaning a total of {$140.00} for the two girls combined. We agreed on this payment in advance, and the two girls sent the money in advance through her Venmo account. The two girls told me the time frame they were going to arrive at the club as well. My friends and I arrived before the two girls, and since the table was under my name I waited to help them in. After a while one of the girls messaged me saying they were actually going to arrive later than originally planned because their friend had gotten too drunk. I asked again when they planned on arriving and did not receive a response. The two girls never showed up and did not respond to my messages despite the fact I saved spots for them at the table as well as drinks. Later on the next day, she messages me saying her friend got too drunk, and asks for all her money back. I communicated that I had gotten the table for a set amount of people because they had confirmed they were coming and I had no reason to believe otherwise. Beyond that, I had also offered them a discount/more reasonable price at my own expense. I asked if she would be okay with half the money back because we had bought the table for a set amount of people which had cost me extra at my expense ( with her and her friend included ) and they simply chose to not show up that night without messaging me. She agreed that this was fair so I sent {$70.00} of the {$140.00} she originally sent back to her as half her money back. I will attach an image of the transaction where the {$70.00} was sent back to her. She then proceeded to go behind my back and file a dispute for the {$140.00} she had originally sent, even though we had previously agreed on half the money back. Somehow the Venmo dispute ruled in her favor, even though their failure to attend was their choice for reasons unrelated to me, and now I am paying the consequences. I relied on their confirmed attendance for a specific headcount, reserving space and drinks for them and incurring additional out-of-pocket costs, which were not negated by their last-minute decision not to show up. Although I was not required to issue any refund, I acted reasonably by offering a 50 % refund, and issuing it only after she explicitly agreed that this resolution was fair. Venmo disputes are intended to address fraud, unauthorized transactions, or situations where goods or services were not provided due to the seller. In this case, the payment was voluntarily sent for a shared group expense, and the buyers chose not to attend for reasons unrelated to me. As a result, this situation does not meet Venmos own standards or eligibility criteria for a dispute or reversal.\n\nNow, my Venmo account is frozen because of this unreasonable and incorrect dispute. Beyond that, it is taking money that people sent me from other transactions saying I need to pay back a full balance to restore my account, which is completely unacceptable. Given the facts outlined above, I am requesting that this dispute be reopened, reviewed by a supervisor, and resolved correctly. The current decision is inaccurate, inconsistent with Venmos dispute policies, and has resulted in my account being unjustly frozen and additional funds being taken from unrelated transactions. I am asking that my account be immediately restored, the disputed funds be returned to me, and any balance improperly imposed on my account be removed.\n\nVenmo 's Response This is * * * from Purchase Support. I hope all is well! I will take over this ticket for my teammate. Thank you for sending that you have provided the information needed, we can move forward with the next step. Ill take care of this for you!\n\nI see that our Account Specialist emailed you the statements : We've reviewed the information regarding the dispute case and have decided in your buyer 's favor.\n\nThe disputed amount will be withdrawn from your Venmo account.\n\nPlease make sure you have sufficient funds to cover the amount that will be debited. If you don't have enough funds in your Venmo account to cover the disputed amount, it will result in a negative balance in your Venmo account and you must add funds to your Venmo balance by clicking the button below. \nThe following email sent to Venmo : Dear Venmo Support, I am formally requesting escalation of this case to a supervisor and a secondary review of the dispute decision because the current resolution clearly misapplies Venmos dispute eligibility standards. This transaction was not a purchase of goods or services as you have suggested, nor was it a matter of buyer and seller. It was a voluntary, authorized payment for a shared group expense. The payment was sent knowingly and in advance for participation in a reserved table at a club. Space, drinks, and headcount were secured based on XXXX XXXX XXXX XXXX XXXX  confirmation. XXXX XXXX XXXX XXXX XXXX  and her friend later chose not to attend for reasons unrelated to me. Venmo 's dispute eligibility standards states that eligible dispute reasons include unauthorized activity, items not received as described, an item/service not received, and billing errors. None of these reasons applies to this case. Most importantly, personal family and friends payments are not protected by Venmo 's dispute eligibility standards. As this case falls directly under family and friends payments and does not meet any of Venmo 's dispute eligibility standards, I am failing to see how this case could be deceived in the \" buyer 's '' favor. \n\nI acted reasonably and in good faith by offering and issuing a 50 % refund after the girls explicitly agreed this was fair. I have provided proof of the partial refund above. If a full refund is issued after a partial refund was agreed upon and completed as you are suggesting should happen, I am experiencing additional financial losses beyond simply the disputed funds. XXXX XXXX XXXX XXXX XXXX and her friend effectively exploited the dispute process by accepting a partial refund and then initiating a dispute for the full original amount despite having already agreed that a 50 % refund was fair and sufficient. In doing so, the girls are attempting to profit off of me through misuse of the Venmo dispute system. \n\nVenmo disputes are intended to address fraud, unauthorized payments, or failure to provide goods or services. None of those conditions apply here. When a \" buyer '' fails to show up after confirming participation for an authorized payment that was agreed to in advance, it is ineligible by Venmo 's dispute eligibility standards. The girls ' voluntary decision not to attend does not meet Venmos criteria for a reversal of payment, nor does it give them the right to take back more money once a partial refund was completed. \n\nVenmo 's response : This is XXXX XXXX XXXX XXXX XXXX from Venmo Customer Support. I'll be taking over your ticket from XXXX XXXX XXXX  and I'll be assisting you. I hope you and your family are doing well and healthy. \n\nThank you for your patience in working with us to solve this. I was able to see the payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$130.00} on XX/XX/year>. Since the dispute was solved by the buyer 's favor, you need to add your balance with the amount of {$120.00} to unfreeze your account on Venmo. \n\nYou can find more information and settle this unrecovered payment by following the prompts in the app. Tap Restore your account to get the process started. Alternatively, you can settle the payment by using a computers browser to visit venmo.com/recover. \n\nYou can use either a debit card or bank account to add money to Venmo and unfreeze your account. A debit card payment ( if successful ) will unfreeze immediately. A bank account payment XXXX take up to XXXX business days to process ( if successful ) before your account is unfrozen. It is also worth noting that you'll receive an email when your account unfreezes. \n\nPlease note : Any payments you receive to your Venmo account XXXX be applied to the money owed. If the payment is equal to or more than the money owed, your account will automatically unfreeze. If you have any questions regarding this process, please let me know. \n\nThank you for your patience and understanding. I hope this information helps out a bit. If there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here. \n\nThe following email sent to Venmo : XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the negative balance and requesting escalation to an Account Specialist manager. I will also be filing a complaint with the Consumer Financial Protection Bureau.\n\nThis transaction does not meet Venmos dispute eligibility standards, as the payment was authorized, services were provided, was a peer-to-peer payment, and a partial refund was mutually agreed upon and completed. Enforcing a full refund after a completed settlement has caused financial harm and resulted in double recovery for the buyer.\n\nPlease provide : 1. Written confirmation that this decision is final after supervisor review.\n\n2. The specific section or policy in Venmos dispute eligibility standards or User Agreement that permits a buyer-favored dispute outcome for a personal, peer-to-peer payment between friends, given that Venmos dispute protections do not apply to personal payments and shared group expenses.\n\n3. Please cite the policy defining when services are considered not provided, in cases where the \" buyer '' fails to attend after confirming participation. \n\nPlease confirm escalation and next steps. \n\nVenmo 's XXXX : I hope you have a great week ahead. \n\nI'm * * * * from Venmo XXXX ready to help you today. \n\nThank you for letting us know about this. I realize why you want these concerns to be fixed as soon as possible because if I were in your position, I think I would feel just as you do. I am aware that this is a tough situation, but rest assured that I will work with you to find the best solution to your concerns. \n\nI checked it and I can see that the dispute to the payment from - XXXX XXXX XXXX XXXX XXXX XXXX  for {$130.00} on XX/XX/year> was already resolved. \n\nI know this isnt the outcome you were hoping for. Wed be happy to take another look at this case, but well need some more information in order to do that. Please provide new supporting documents and we can forward them to our Account Specialists for review. \n\nNew information or evidence could include ( but is not limited to ) : Missing information from the previous investigation Receipt or other paperwork Written communication with the merchant I hope this information helps out a bit and if there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here. We welcome all questions and queries that you want to tell us. \n\nHave a nice day and take care always.","date_sent_to_company":"2026-01-24T00:10:35.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"33418","tags":null,"has_narrative":true,"complaint_id":"18971665","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-24T00:04:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A bank account payment XXXX take up to XXXX business days to <em>process</em> ( if successful ) before your account is unfrozen. It is also worth <em>noting</em> that you'll receive an email when your account unfreezes. \n\nPlease <em>note</em> : Any payments you receive to your Venmo account XXXX be applied to the money owed. If the payment is equal to or more than the money owed, your account will automatically unfreeze. If you have any questions regarding this <em>process</em>, please let me know."]},"sort":[9.364548,"18971665"]},{"_index":"complaint-public-v1","_id":"8694294","_score":9.0305395,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, TOYOTA MOTOR CREDIT CORPORATION acquired my consumer credit application and retail installment agreement contract for family and household goods from XXXX XXXX, in a consumer credit sale transaction utilizing the consumers open ended consumer credit plan Social Security card number XXXX for the purchase of a XXXX XXXX XXXX  VIN # XXXX, with a purchase money loan in accordance with16 CFR 433XXXX ( d ) and Truth in Lending Act regulation Z. \n\nThe acquisition and securitization of my self-liquidating commercial paper security application in accordance with17 CFR 216.11 b6 ( application + retail installment contract agreement ) occurred for the purpose of obtaining an extension of credit. This process involved TOYOTA MOTOR CREDIT CORPORATION 's direct broker dealer partner XXXX XXXX submitting consumer 's credit application/ promissory note and obtaining cash advances at an par value amount through Certificates of Indebtedness, using consumer 's social security number. At which time should TOYOTA MOTOR CREDIT CORPORATION have released the lien on the title for the XXXX XXXX XXXX  when the cash value was received. TOYOTA MOTOR CREDIT CORPORATION exploited consumer 's security interests and continues to do so by mishandling consumer 's indebtedness, securitizing cash advances, in addition to consumer 's monthly receivables which are interest dividend proceeds that are due to the consumer, from the unauthorized trading of my U.S. Treasury marketable security application and contract security agreement. \n\nDue to the Bankruptcy Act of 1933 and the Trust Indenture Act of 1939, all debts fall under the responsibility of the United States per Title 18 USC 8. The term \" obligation or other security of the United States '' encompasses all bonds, certificates of indebtedness, national bank currency, FRNs, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress. \n\nSaid promissory note and security agreement contract was sold/transferred/assigned by XXXX XXXX, Dba XXXX XXXX XXXX to TOYOTA MOTOR CREDIT CORPORATION and then transferred and securitized by XXXX XXXX XXXX  XXXX ( a wholly-owned subsidiary of Toyota Motor Credit Corporation ) and then transferred and sold to other associates and affiliates according to XXXX XXXX XXXX XXXX D Owner Trust Underwriting Agreement on file with the Security Exchange Commission dated as of XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and Toyota Motor Credit Corporation XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX as a self-liquidating commercial paper receivable in accordance with17 CFR 216.11 b6 as a letter of credit and security agreement of collateral ( lien on certificate of title ) for a cash advance to secure performance of payment of the consumers obligation on the contract for the finance charge of {$11000.00} which is the sum of all charges payable directly or indirectly to whom the credit is extended in accordance with 15 USC 1605b and all payment owed by the consumer on the contract agreement in accordance with Page 3 part 2.c. of the contract security agreement in which the consumer granted a security interest to TOYOTA MOTOR CREDIT CORPORATION in the certificate of title for the return of the principal and interest of the security application/ asset-backed promissory note and security agreement contract that was tendered in good faith and transferred and sold to Toyota Motor Credit corporation ( Administrator/Servicer ) received cash a cash advance at which time the consumers obligations were complete on the contract agreement and the lien on the title of the XXXX XXXX XXXX  should have been released and certificate of title sent to the consumers address. \n\n\nIn accordance with 15 USC 1605b the finance charge is the sum of all charges in connection with any consumer credit transaction in accordance with the contract security agreement page 1 under FEDERAL TRUTH-IN-LENDING DISCLOSURES the finance charge was only {$11000.00} which is the sum of all charges owed by the consumer on the contract to secure performance of payment for the XXXX XXXX XXXX  to be paid in full and the amount financed was {$31000.00} which means that there is a credit balance of {$20000.00} TOYOTA MOTOR CREDIT CORPORATION owes the consumer for performance of the consumers obligation on page 3 section 2. c. of contract agreement. \nToyota motor credit corporation is in breach of contract specifically Page 3 part 2. c. by unlawfully claiming the consumer is late on any payment and in default in a consumer credit transaction ( 15 USC 1666b ) and that the consumer owes a debt when the contract security agreement explicitly states that the grant of security interest secures performance of payment of all the consumer owed on the contract which is only the finance charge in accordance with 15 U.S.C. 1605b and also secured all other agreements on the contract. \n\nThe purchase money loan agreement/credit sale contract secured payment for all amounts owed on the contract. '' According to 16 CFR 433.1 ( i ), a retail installment agreement/ consumer credit contract is indeed purchase money loan and a credit sale, especially since the consumer 's social security number was utilized in the transaction. Moreover, CONGRESS classifies this type of transaction as a credit card transaction and in accordance with 15 USC 1666b TOYOTA MOTOR CREDIT CORPORATION ( a creditor ) may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Toyota motor credit corporation is in direct violation of 15 USC 1666B by reporting my consumers payments late XXXX  times to XXXX credit reporting agency,XXXX Times to XXXX XXXX credit reporting agency and XXXX times to XXXX credit reporting agency . \n\nToyota motor credit corporation is also in breach of page 3 section 3. d. of contract security agreement by unlawfully repossessing the XXXX XXXX XXXX VIN # XXXX and threatening to sell my property without giving any written notice to the consumer or obtain the consumers written or oral consent and by failing to enter into binding arbitration, if there was a discrepancy about an unpaid balance, default on the contract agreement or any repossession of the vehicle, the security agreement contract explicitly states that any and all disputes shall be settled by binding arbitration. \n\nThe consumers security application and security agreement contract was then transferred XXXX XXXX XXXX XXXX XXXX ( a registered investment company in accordance with 12 USC 1820a ( d ) ( 6 ) ) and securitized as a receivable as self-liquidating commercial paper in accordance with 17 CFR 216.11 b6 and was then transferred/sold to XXXX XXXX. ( as Indenture Trustee/Securities Intermediary ) to be securitized as a book entry certificate of deposit asset and then sold to XXXX XXXX  XXXX XXXX-D OWNER TRUST with XXXX XXXX XXXX XXXX as owner trustee according to XXXX XXXX XXXX XXXX-D OWNER TRUST underwriting agreement on file with the Securities Exchange Commission and XXXX XXXX  XXXX XXXX-D OWNER TRUST indenture on file with the Securities Exchange Commission along with other affiliates such as XXXX XXXX securities XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. , XXXX XXXX  XXXX XXXX XXXX as joint global coordinators book runners and representatives all of which are third parties which the consumer never authorized his information being shared without his consent which is in direct violation of the Gramm Leach Bliley Act 16 CFR 313.10. Toyota Motor Credit Corporation is disclosing the consumers non-public personal information to nonaffiliated third parties. \n\nIn accordance with Office of the Comptroller of Currency ( OCC ) asset securitization L-Sec handbook , Federal Reserve Bank Operating Circular No.10 page 5 section 3.0 - 3.3 and Federal Reserve Act section 16 paragraph 2 a cash advance at par value was received on for my application/promissory note which secured performance of payment of the finance charge owed on behalf of the consumer at which time the lien on certificate of title should have been released. The above mentioned transaction ( purchase money loan or cash advance ) was falsely misrepresented as an auto loan when in fact it is a purchase money loan in accordance with 16 CFR 433.1 ( d ) and Truth in Lending Act regulation Z.\n\nIn accordance with UCC 8-302 Toyota Motor Credit Corporation is falsely claiming holder in due course rights to the security interest collateral known as certificate of title and the XXXX XXXX XXXX, and all proceeds being made from my U.S. Treasury marketable security which is a financial asset to the consumer and Toyota Motor credit corporation and their affiliates are unjustly enriching themselves with the utilization of the consumers fnancial asset and Social Security number trading on the secondary market. Because at the time of the transfer of the contract security from TOYOTA MOTOR CREDIT CORPORATION to XXXX XXXX XXXX XXXX, TOYOTA MOTOR CREDIT CORPORATION transferred the holder in due course rights of the security note to XXXX XXXX XXXX XXXX who then transferred it to other affiliates and is being held by XXXX XXXX XXXX  XXXX-D OWNER TRUST in the name of the consumer as the certificate holder. TOYOTA MOTOR CREDIT CORPORATION is using false and misleading representations to claim holder in due course rights to a contract that it is no longer in possession of pursuant to the underwriting agreement and trust indenture on file with the Securities Exchange Commission. \nThe consumer is the beneficial owner in accordance with 17 CFR 240.13d-3 and 31 CFR 1010.230 of all rights, titles and interest of the all the certificated and uncertificated securities and interest dividend proceeds being derived from the asset backed promissory note/application after the cash advance was received in the name of the consumer under loan account number XXXX, and in accordance with 8 UCC 8-501 said account is a securities account in which a book entry financial assets are being credited to the consumers securities account pursuant to the underwriting agreement and trust indenture on file with the Securities Exchange Commission. \nToyota Motor Credit corporation ( Administrator/Servicer/Sponsor ) with XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX including its affiliated entities such as Toyota Financial Services, XXXX XXXX XXXX XXXX  XXXX XXXX ( Depositor ) XXXX XXXX  XXXX  XXXX-D Owner Trust ( as issuer ), XXXX XXXX. ( as Indenture Trustee insecurities intermediary ) with XXXX XXXX as trustee, XXXX XXXX XXXX XXXX ( as Owner Trustee/Certificate Registrar ) XXXX XXXX XXXX XXXX as XXXX and all related persons, partners and subsidiaries, is alleged to be engaging in securities fraud and tax evasion through substantial false and misleading misrepresentations in holder in due course rights. These misrepresentations involve collusion, forgery, intentional omissions, and distortions related to consumers ' credit. Toyota Motor Credit Corporation is engaging in tax evasion by receiving a copy of 1099-A and failing to fulfill their fiduciary duty to discharge the debt and of falsely making inaccurate derogatory marks on the consumers credit reports. \nThis account was intended for household primary goods. TOYOTA MOTOR CREDIT CORPORATION has inaccurately categorized the account as a retail installment agreement when, according to the law, it was a consumer credit sale. Additionally, TOYOTA MOTOR CREDIT CORPORATION has failed to charge off the debt on its tax records after receiving copies of 1099-A via email from the IRS and a physical copy via Certified mail from the consumer. on XXXXand the consumer, sent correspondence via Certified Mail to TOYOTA MOTOR CREDIT CORPORATION with the attention to the legal department, and TOYOTA MOTOR CREDIT CORPORATION XXXX XXXX XXXX XXXX trustee for XXXX XXXX. ( Securities intermediary ) This correspondence was Notice to formally withdrawal of consent to the Special Power of Attorney and the relinquishing of any security interest derived from U.S. marketable treasury securities as well as secondary market exchanges. In accordance with Uniform Commercial Code Article 3 section 3601 ( a ) the debt is discharged. The Retail Installment Agreement specifically sates on page 3 in paragraph 2. c., that the security interest granted in the certificate of title for the XXXX XXXX XXXX secured performance of payment for the the purchase money loan agreement/credit sale \" and secured payment for all amounts owed in the contract. '' According to 16 CFR 433.1, a retail installment agreement is indeed a credit sale, especially since the consumer 's social security number was utilized in the transaction. Moreover, CONGRESS classifies this type of transaction as a credit card. It is noteworthy that TOYOTA MOTOR CREDIT CORPORATION shareholder reports and underwriting agreement on file with the Securities Exchange Commission explicitly state that the extensions of credit ( the collateral ) may take the form of \" PROMISSORY NOTES '' and \" Letters of Credit. '' Despite these facts, TOYOTA MOTOR CREDIT CORPORATION continues to pursue payment for the debt of a vehicle when the debt was already paid. Despite investing considerable time on the phone in attempts to resolve the issue with TOYOTA MOTOR CREDIT CORPORATION customer service, my efforts have been in vain. TOYOTA MOTOR CREDIT CORPORATION continues to insist on payment for an alleged debt, yet they have not furnished me with a genuine FULL copy of the original agreement executed by all parties with wet-ink signatures. Additionally, they have failed to grant me access to any master account/consumer account associated with the securitization of the credit sale agreement. TOYOTA MOTOR CREDIT CORPORATION has not provided consumer with official treasury forms that were filed under consumer 's social security number. Consumer reporting agencies ( XXXX, XXXX, XXXX, ) hard inquiries prove consumer credit was pulled. By the rules that govern TOYOTA MOTOR CREDIT CORPORATION and it's affiliates under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3, TOYOTA MOTOR CREDIT CORPORATION is bound to follow all guidelines when offering retail installment agreements, and per the contract, as a consumer my rights can be asserted at any time. The debt securities, along with all associated rights, title, and interest, have been sold to other companies. TOYOTA MOTOR CREDIT CORPORATION acting as a servicer, is not allowed to genuinely collect since it transferred the liability ( holder in due course rights ) to its subsidiary, XXXX XXXX XXXX XXXX XXXX, ( Depositor ). \n\nAccording to TOYOTA MOTOR CREDIT CORPORATION 's underwriting agreement ( pg. 2 ) on file with the Securities Exchange Commission, the finance company bundled consumer commercial paper securities, including all related rights, and sold them to XXXX XXXX XXXX XXXX XXXX, ( Depositor/Servicer ) as part of a securitization process. The latter then sold the portfolio of receivables to XXXX XXXX XXXX XXXX-D OWNER TRUST, an asset-backed securities issuer trust. XXXX XXXX XXXX XXXX-D OWNER TRUST utilized the purchased receivables as collateral for issuing notes and residual certificates. As indicated in TOYOTA MOTOR CREDIT CORPORATION 's shareholder report, the finance company serves as the sponsor and servicer of the underlying collateral, but it no longer owns the obligation resulting in TOYOTA MOTOR CREDIT CORPORATION having no rights to payment or to repossess vehicles. Additionally, SEC filings and reports reveal that tranches of \" auto loan receivables '' are being sold to numerous investors on public exchanges, such as the ones named above and consumers have not received any value in return for this exchange. Per the Securities Exchange Act, collateral can only be in the form of SECURITIES ( not vehicles ). The consumer, as the bona fide purchaser, holds the right to residual returns, as indicated by statements bearing consumer 's name detailing book-entry securities and residuals from derivative certificates apparently hedged with partner companies. In SEC filings, TOYOTA MOTOR CREDIT CORPORATION 's affiliated companies affirm that the consumer is entitled to claims and rights, being a bona fide purchaser for value or an actual secured party with a perfected security interest according to applicable state law. Under the IRS rules regarding 1099c,1099oid & 1099a, companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00}. TOYOTA MOTOR CREDIT CORPORATION has not provided copies of the IRS forms filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS. It appears from my consolidated statement this account may be classified as an IRA, which clearly it is not. According to TOYOTA MOTOR CREDIT CORPORATION 's shareholder reports the debt discharged amounts as gains on extinguishments, and the monthly receivables as GOOD WILL. \n\nDue to TOYOTA MOTOR CREDIT CORPORATION 's non-compliance consumer will have no choice but to file Forms 3949-A and 211 along with other applicable OMB IRS forms with the treasury to audit consumer 's account to make sure accurate reporting and taxes are rendered, along with all OMB IRS forms needed to conduct an audit on consumer account. Due to the recent change in consumer laws please serve this as NOTICE that upon a VALID PROOF OF CLAIM notarized under penalty of perjury, consumer refuses to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account in accordance with 45 CFR 501.6, 15 USC 44 and 31 USC 1501 i.e. TOYOTA MOTOR CREDIT CORPORATION 'S internal Master Account. TOYOTA MOTOR CREDIT CORPORATION is to immediately stop any debt collection activities and credit reporting until said company provides all information under the penalty of perjury for documentation. \n\n\nTOYOTA MOTOR CREDIT CORPORATION along with XXXX XXXX XXXX  XXXX-D OWNER TRUST ( The Issuer ) is in breach of contract and in breach of trust Pursuant to the contract agreement with the consumer and the Trust Indenture on file with the Securities Exchange Commission dated as of XX/XX/XXXX where it explicitly states on page 13 of Article 3 ( III ) Section 3.07 Persons Deemed Certificateholders, it clearly states that prior to due presentation of a certificate for registration of transfer the Owner Trustee or Certificate Registrar may treat the person in whose name any certificate shall be registered in the certificate register as the owner of such certificate for the purpose of receiving distributions pursuant to Section 5.02 and for all other purposes whatsoever. As the certificate is in the name of the consumer and the consumer is entitled to all distributions in accordance with section 5.02 of the Trust Indenture. And also on page 16 of the trust indenture agreement Article 5 ( V ) application of trust funds certain duties section 5.02 APPLICATION OF TRUST FUNDS ; CERTAIN DUTIES part ( a ) it explicitly states For so long as any Notes are outstanding, on each Payment Date, the Indenture Trustee will distribute to the Certificateholders, on a pro rata basis, based on the Percentage Interests thereof, the amounts distributable thereto pursuant to Section 5.06 of the Sale and Servicing Agreement and Section 3.01 of the Indenture. From and after the date on which the Notes of all Classes have been paid in full, the Paying Agent shall distribute to the Certificateholders ( XXXX ) amounts released to the Trust pursuant to Sections 4.02 and 8.05 ( b ) of the Indenture and Section 5.01 ( d ) of the Sale and Servicing Agreement and ( ii ) amounts that are distributable to the Certificateholders in accordance with the instructions of the Servicer pursuant to Section 5.06 of the Sale and Servicing Agreement. And also on page 17 of the trust indenture section 5.03 Method of Payment : it states that distributions required to be made to Certificateholders on any Payment Date shall be made to each Certificateholder of record on the related Record Date either by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register or by wire transfer, in immediately available funds, to the account of any Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder shall have provided to the Certificate Registrar appropriate written instructions at least five ( 5 ) Business Days prior to such Payment Date.","date_sent_to_company":"2024-04-03T11:21:37.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"07105","tags":null,"has_narrative":true,"complaint_id":"8694294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-04-03T10:43:51.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company explaining amount owed"},"highlight":{"complaint_what_happened":["states that any and all <em>disputes</em> shall be settled by binding arbitration."]},"sort":[9.0305395,"8694294"]},{"_index":"complaint-public-v1","_id":"17172809","_score":7.8736763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Re: DATA BREACH - Supplemental / Revised Notice & Demand / Dispute / Data Breach + FCRA Violations\\nSubject: Disputed items on file; persistent noncompliance; data breach; request for removal or correction; documentation; XXXXTo Whom It May Concern:\\n\\nI write as a follow-up and supplement to my prior dispute(s), and to place you on further notice of your ongoing noncompliance, and to demand immediate removal or correction of the disputed items. This letter restates and strengthens my position under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.), 47 U.S. Code  605  Unauthorized publication or use of communications, and related consumer protection and tort theories, and references recent legal developments.\\n\\nBelow is a statement of the facts, legal basis, demands, and preservation instructions. \\n\\n1. Statement of Facts  Timeline & Prior Disputes\\n\\t1.\\tIn September 2024, I submitted the first formal dispute notice to TransUnion (or via a furnisher, as applicable) regarding multiple items/accounts on my credit file. That XXXX XXXX XXXXotice was included in the CFPB complaint and report you responded to.\\n\\t2.\\tIn response to the CFPB complaint (filed after that dispute), XXXX   TransUnion removed only one of the disputed accounts, claiming to verify the remainder. You have not provided to me, nor (so far as I know), to any court or agency, any substantive creditor or lender documentation that supports your verification of those remaining disputed items (e.g. signed agreements, original statements, XXXX XXXXThe fact that you report many of the same accounts differently across Experian, Equifax, and TransUnion (or even differently from your prior XXXX representations) strongly suggests those items are inaccurate, improperly merged, misattributed, or otherwise erroneous. Indeed, the XXXX XXXX documentation (and the other CRA reports) demonstrate discrepancies that you have ignored or failed to reconcilXXXX  above demonstrates a pattern of ongoing noncompliance and violation of your duty under FCRA 1681i to reinvestigate disputed items, correct or delete inaccurate data, and provide rXXXX XXXXarately, TransUnion has recently disclosed a major data breach (XXXX XXXX XXXX) affecting approximately XXXX individuals, in which unauthorized actors accessed a third-party application tied to your consumer support operations.  \\n\\t\\tThe breach reportedly exposed names, Social Security numbers, dates of birth, and other personally identifiable information (though you claim no credit information was accessed).  XXXXhis breach underscores systemic deficiencies in your data security, internal controls, and breach readiness, and calls into question the integrity of your verification and recordkeeping processes.\\n\\t\\tThe public class action lawsuits (e.g. by firms investigating claims) already reference TransUnions failure to safeguard consumer data.  \\n\\nTogether, these facts support a claim that your verifications of my disputed items were not reasonable, and that you have persisted in reporting inaccurate information despite repeated noticeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are key legal principles and cases that support your obligations and potential liability.\\n\\n2.1 FCRA  Duty to reinvestigate & ensure accuracy\\n\\t\\tUnder 15 U.S.C. 1681i(a), upon receipt of a consumers dispute, a credit reporting agency must conduct a reasonable reinvestigation, consider all relevant information provided, and promptly correct or delete information found to be inaccurate or unverifiable.\\n\\t\\tUnder 15 U.S.C. 1681e(b), a credit reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.\\n\\t\\tUnder 15 U.S.C. 1681g(b), a consumer has a right to receive a free description of the procedures used in the reinvestigation and the result.\\n\\t\\tUnder 15 U.S.C. 1681i(d), you must provide notice of the results to furnishers and allow them to respond.\\n\\t\\tUnder 15 U.S.C. 1681n (willful noncompliance) and 1681o (negligent noncompliance), I am entitled to statutory damages, actual damages, costs, and attorneys fees, as applicablXXXXBecause you have repeatedly ignored my dispute notices (from XXXX XXXX onward), and have failed to provide credible documentation supporting your verifications, your noncompliance is ongoing and may be willfuXXXX XXXX XXXXability, data security, and heightened scrutinXXXXhile FCRA typically governs credit reporting, the existence of a major data breach implicates additional legal theories (negligence, invasion of privacy, data security, breach of implied contract, etc.). The fact of the breach also raises the standard by which your verification and recordkeeping practices should be judged. Your admissions and public disclosures provide strong support for claims that your security controls and dispute-handling processes are deficient.\\n\\n2.3 Case law where plaintiffs prevailed (or favorable rulings) against TransUnion / CRAs\\n\\nHere are several relevant decisions you may draw upon or cite:\\n\\t\\tArrizon v. TransUnion, LLC (XXXX XXXX XXXX XXXX Dist., XXXX XXXX XXXX)  In this case, the Illinois appellate court considered claims against TransUnion for dissemination of inaccurate information, including a long procedural history from federal to state court.  \\XXXX v. TransUnion LLC, XXXX XXXX XXXX)  The court held that CRAs must ensure maximum possible accuracy, even for debts that are void under state law, and that a reasonable procedure must catch legal invalidity.  XXXX XXXX. TransUnion LLC, XXXX XXXX XXXX   XXXX XXXX XXXX  held that each class member must satisfy standing and that TransUnions placement of a false terrorist alert and mishandling of disclosures warranted damages.  XXXX XXXX  v. Ramirez, U.SXXXX XXXX XXXX XXXX   While the Supreme Court limited the ability of class members to recover in certain circumstances (holding that only those plaintiffs who suffered concrete harm have Article III standing), the decision reaffirmed the importance of the FCRAs protections and has been heavily discussed in the context of consumer reporting suits.  \\n\\t\\tFluker v. Trans Union, XXXX XXXX XXXX XXXX   In that pending or decided district court litigation, the plaintiff alleged failure by TransUnion to reinvestigate identity theft disputes and failure to ensure accuracy of credit reports.  \\n\\nWhile not all of these are complete victories, they illustrate that courts have recognized consumer rights under FCRA and held CRAs liable in similar contexts.XXXX XXXX XXXX XXXX XXXXBased on the foregoing, I hereby repeat and expand my demands. You must, within XXXX XXXX  of your receipt of this letter:\\n\\t1.\\tConduct a fresh, full, reasonable reinvestigation of every disputed item (including those you previously verified) in light of my XXXX XXXX dispute, my documentation, and the inconsistencies across CRAs and your own recordsXXXXroduce to me, in writing, the results of your reinvestigation, including:\\XXXXThe identity (name, address, contact) of each furnisher/creditor from whom you obtained verification.\\n\\t\\tAll documentation or data considered  e.g. account contracts, original creditor statements, chain-of-title, payment ledgers, or any other record that demonstrates the accuracy and ownership of the account.\\n\\t\\tA description of the procedures you used in your investigation, including cross-checking among CRAs or internal consistency checksXXXXDelete or permanently suppress from my TransUnion credit file (and cease further reporting) any item for which you cannot provide competent, verifiable documentary support demonstrating that it is accurate, owned by me, or properly attributedXXXXNotify all furnishers of the disputed accounts that the information is disputed, and instruct them to cease reporting or updating the disputed items until the dispute is resolved.XXXXFlag my credit file with an identity theft or data breach alert (fraud alert or victim of data breach notation) to warn anyone reviewing the file of heightened XXXX distribution of my file (or portions thereof) to third parties for account-opening or creditgranting purposes until the dispute is resolved in my favor or you provide full documentatioXXXXPreserve all evidence  This includes all related documents, communications, logs, audit trails, internal notes, dispute investigation files, security and forensic reports related to your handling of my file, and all materials relating to the XXXX  data breach. You must not destroy or alter any relevant recordsXXXX  Demand for Immediate Removal of Unauthorized Hard Inquiries\\n\\nIn addition to the disputed accounts, I hereby formally dispute and demand the immediate removal of all hard inquiries listed on my TransUnion credit report whereXXXXo credit was extended,\\n\\t\\tNo loan, service, or account was ever opened or approvedXXXX  did not receive any valuable consideration or benefit from the inquiry, andXXXX XXXXnd/or the reporting creditor have failed to produce any documentation justifying or authorizing such inquiry.\\n\\nLegal Basis:\\n\\nUnder the Fair Credit Reporting Act (15 U.S.C. 1681b), a consumer reporting agency may furnish a consumer report only under specific permissible purposes, such as:\\n\\t\\tIn connection with a credit transaction that is initiated by the consumer (1681b(a)(3)(A)),\\n\\t\\tFor employment purposes with written permission (1681b(a)(3)(B)),\\n\\t\\tOr with the consumers express consent (1681b(c) and (e)).\\n\\nAny inquiry placed without a permissible purpose is a violation of FCRA, and a consumer has the right to demand its immediate deletion.\\n\\nAdditionally, an inquiry without a completed credit transaction or where no consideration was exchanged, constitutes a false representation of consumer-initiated credit activity, which injures the consumers creditworthiness, artificially lowers credit scores, and suggests false activity to potential lenders.\\n\\nIf a creditor or lender made an inquiry, but did not extend credit, did not open an account, and cannot prove that I provided informed, written, or recorded consent to that inquiry, it must be deleted under the FCRAs accuracy and permissible use provisions.\\n\\nSupporting Case Law:\\n\\nIn Pintor v. TransUnion, LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that a plaintiff stated a valid FCRA claim where TransUnion failed to remove inquiries that were allegedly made without the consumers knowledge or consent.\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court emphasized that consumer reporting agencies must promptly delete inquiries where the furnisher cannot confirm a permissible purposeXXXXAccordingly, I hereby demand that all hard inquiries that meet any of the following conditions be immediately removed from my TransUnion credit file:\\n\\t\\tThe lender or creditor did not extend credit, issue a loan, approve a service, or otherwise complete a transaction;\\n\\t\\tI received no benefit or consideration (no value exchanged);\\n\\t\\tThere is no signed authorization or proof of permissible purpose;XXXXhe inquiry was not initiated by me or lacks my express written consent.\\n\\nYou must also provide a written explanation ofXXXXhe original source and purpose of each hard inquiry;\\n\\t2.\\tWhether credit was extended or a transaction completed;\\n\\t3.\\tThe date and nature of any signed or recorded authorization you claim to have relied upon.\\n\\nFailure to remove unauthorized hard inquiries will constitute willful noncompliance under 15 U.S.C. 1681n and subject you to statutory and punitive damages.\\n\\n\\nIf you fail to comply, I will proceed with all available legal remedies, including:\\n\\t\\tFiling suit for statutory and actual damages (under 15 U.S.C. 1681n/1681o), injunctive relief, costs and attorneys fees\\n\\t\\tJoining or initiating class action claims\\n\\t\\tComplaints to the CFPB, FTC, state attorneys general, and other regulatory bodies\\n\\t\\tSeeking punitive or exemplary damages (where available) for willful or reckless misconduct\\n\\nI require your written acknowledgment and substantive response within 30 days from receipt of this notice, sent to the address above. Failure to respond or refusal to remove or correct the disputed items will be considered willful noncompliance and will be used as evidence in any future litigation or regulatory action.\\n\\nSincerely,\\n\\nManuel Javier CarrilloXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accompanies my TransUnion dispute submission regarding inaccurate and unlawfully obtained data linked to the TransUnion data breach. All items listed below are inaccurate, re-aged, misleading, or unauthorized and must be corrected or deleted immediately under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.),  604,  605B, and  623, as well as 47 U.S. Code  605, which prohibits the unauthorized publication or use of communications or data obtained without proper authorization.\\n\\n\\n\\nI. Verified and Accurate Personal Information\\n\\nField\\tCorrect Information\\tNotes\\nFull XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Personal Information to Be Removed\\nCategory\\tInaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRemove all\\tNot mine / duplicates\\nEmployers\\tMilayva Roof Co  Jamba Juice\\tRemove\\tOutdated or not affiliated\\n\\nIII. Accounts with Inaccurate or Misleading Reporting\\n\\nEach of the following accounts contains data-breach exposure, re-aging, or inconsistent reporting across bureaus, producing false delinquencies, charge-offs, or payment patterns.\\n\\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pay Status: > Charge-off <\\n\\t\\tInaccuracies: Business account incorrectly tied to personal credit; continuous Date Updated entries (XXXX) suggest unlawful re-aging. Payment-status history changes monthly, which misrepresents true closure.\\n\\t\\tRequested Action: Delete immediately; business accounts are not consumer debts under FCRA.\\n\\n\\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > Paid, Closed <\\n\\t\\tInaccuracies: Reported 120 days past due despite full payment XXXX XXXX XXXX XXXX  misstate closure.\\n\\t\\tRequested Action: Correct to Paid as agreed / Closed  Never late or deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  high-balance history altered; inconsistent late-payment pattern across bureaus; taxable charge-off misclassified as open delinquency.\\n\\t\\tRequested Action: Delete or update to Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  differ by CRA; months reported 90 on TransUnion show OK elsewhere. Misleading to lenders.\\n\\t\\tRequested Action: Remove all negative history or delete entire account for data integrityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCharge-off)\\n\\t\\tInaccuracies: Successive Charge-off postings monthly through 09/25; indicates re-aging and false open status.\\n\\t\\tRequested Action: Delete entirely; account is a completed charge-off (taxable event).\\n\\n\\n\\n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Charge-off\\n\\t\\tInaccuracies: Re-aged and reported as updated 10/06/25; misleads creditors and violates FCRA 623(a)(5).\\n\\t\\tRequested Action: Delete immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Listed as joint account despite no joint contract; false placed for collection date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Factoring account falsely assigned; consumer never contracted with XXXX XXXX XXXX XXXX XXXXelete immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs: Duplicate factoring entry; collection status without agreement; repeated updates after closure.\\n\\t\\tRequested Action: Delete in full.\\n\\n\\n\\nIV. Requested Summary of Corrections\\n\\t1.\\tKeep only the accurate personal information in Section I.\\n\\t2.\\tRemove all inaccurate personal and employment data (Section II).\\n\\t3.\\tDelete or correct each erroneous account (Section III).\\n\\t4.\\tProvide written confirmation of all changes within 30 days.\\n\\n\\n\\nV. Unauthorized / Identity-Theft Inquiries\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\tNo permissible purpose; identity-theft suspected.\\tDelete immediately & block future accessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized soft inquiry; no application.\\tDelete immediately\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXermissible purpose; possible breach data use.\\tRemove & block access\\nRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no credit application.\\tDelete immediately\\nFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized access to file; no request made by consumer.\\tRemove\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX possible identity-theft link.\\tRemove\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo permissible purpose; unauthorized inquiry.\\tDelete immediately\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX valuable consideration or credit exte\\t\\n\\nSupporting Notes\\n\\t\\tNone of the above inquiries were authorized by me or connected to legitimate credit applications.\\n\\t\\tThese violations fall under FCRA 604(a) (no permissible purpose) and must be blocked per 605B (identity-theft provision).\\n\\t\\tPlease confirm removal and initiate an identity-theft block across the file.'","date_sent_to_company":"2025-11-11T16:01:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92807","tags":null,"has_narrative":true,"complaint_id":"17172809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-11T15:39:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["TransUnion LLC, XXXX XXXX XXXX   XXXX XXXX XXXX  held that <em>each</em> class member must satisfy standing and that TransUnions placement of a false terrorist alert and <em>mishandling</em> of disclosures warranted damages.  XXXX XXXX  v."]},"sort":[7.8736763,"17172809"]},{"_index":"complaint-public-v1","_id":"14284555","_score":6.6968346,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g 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 XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T15:56:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284555","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and <em>mishandling</em> <em>disputes</em>."]},"sort":[6.6968346,"14284555"]},{"_index":"complaint-public-v1","_id":"14284554","_score":6.6968346,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g 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 XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T16:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284554","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and <em>mishandling</em> <em>disputes</em>."]},"sort":[6.6968346,"14284554"]},{"_index":"complaint-public-v1","_id":"23298662","_score":6.3876715,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX. Unsolicited Loan Modification During the XXXX Pandemic ( XX/XX/XXXX ) In or about XX/XX/XXXX, I was offered a loan modification by the mortgage servicer, NewRez/XXXX, despite the fact that I had not applied for or requested XXXX. This occurred during the earliest months of the XXXX pandemic. \n\nAt that time, I was employed in New York XXXX, but my employer was completely shut down as a result of the pandemic. I was left without income and was denied unemployment benefits. Because of those circumstances, I was unable to take advantage of the offered loan modification. \n\nIn addition, the servicer did not place the loan into any pandemic-related forbearance program. Instead, interest, late fees, and other charges continued to accrue. I only recently became aware that the loan balance may have been improperly inflated as a result. \n\nI raise this issue because, during subsequent attempts to obtain a loan modification, I was repeatedly informed that I had already used my XXXX opportunity for a loan modification. That statement is incomplete and misleading. The XXXX modification was unsolicited, was offered during a period of unprecedented economic hardship, and was not realistically available to me under the circumstances. \n\nBased upon these facts, I believe a review and adjustment of the loan balance is warranted. \n\nXXXX. CFPB Complaint, Servicer Day Modification, and XX/XX/XXXX Property Disaster In XX/XX/XXXX, I filed a complaint with the CFPB. That complaint remains open. I recently reviewed XXXX XXXX response and was surprised to see XXXX claim that it was not the proper party to address the issues raised, despite the fact that XXXX had been servicing my mortgage since approximately XXXX. \n\nIn XX/XX/XXXX, my attorney received an unsolicited call advising that my loan had been selected for a program referred to as \" XXXX XXXX. '' During that call, representatives specifically asked what amount I could afford to pay and when I could begin making payments. \n\nI advised that I could afford approximately {$24000.00} and could begin making payments on XX/XX/XXXX, although it would be difficult to begin sooner due to my ongoing divorce proceedings. The representative responded, \" Okay, '' and no further discussion occurred. \n\nAfter that conversation, neither my attorney nor I received any further communication until XX/XX/XXXX. On that date, my attorney received a letter by email. No correspondence was sent directly to me, to the property, or to any alternate address. \n\nThe communication referenced a letter dated XX/XX/XXXX, stating that a loan modification had been approved with a monthly payment of approximately {$2900.00} and that the first payment was due XX/XX/XXXX. However, neither my attorney nor I actually received notice of this modification until XX/XX/XXXX, after the stated due date had already passed. \n\nOnly XXXX days later, on XX/XX/XXXX, a catastrophic plumbing failure occurred at my property and throughout the surrounding neighborhood. Approximately XXXX homes were affected. Due to extremely cold temperatures, reportedly the coldest XXXX experienced in over XXXX XXXX years in this area of New York, the plumbing failure caused a pressurized sewer backup that forced sewage into my basement. \n\nThe damage was so severe that the home was effectively rendered uninhabitable. \n\nMy mother and I were forced to obtain a high-interest loan and spend approximately {$24000.00} to mitigate the damage. At the time, I believed hazard insurance was in place. However, the insurance company would not process the claim and would not clearly explain why. \n\nDespite these circumstances, I remained prepared to make the XXXX payment required under the modification. Beginning on XX/XX/XXXX, and continuing through XX/XX/XXXX, I repeatedly contacted XXXX in an effort to make payment. \n\nDuring each call, I was told that the account was not set up to receive payments. I was informed that payment could not be accepted through the website, by phone, or through ordinary servicing channels. Representatives repeatedly transferred me to various departments and indicated that the account required research. \n\nAlthough I was actively attempting to make the required payment, the servicer ultimately closed the loan modification on or about XX/XX/XXXX. \n\nI do not understand how I could have complied with the modification terms when the servicer 's own systems would not accept payment. Based upon my experience, it appeared that I was placed into a modification program while simultaneously being denied a practical means of making the required payments. \n\nAdditionally, I have identified federal guidance indicating that homeowners affected by natural disasters may be entitled to forbearance or other mortgage assistance. Given the catastrophic plumbing and sewer event that rendered my home uninhabitable, I do not understand why no similar accommodation was offered or applied in my case. \n\nXXXX. XXXX XXXX XXXX XXXX and Missing Insurance Coverage For many years, approximately {$4300.00} per year has been advanced through my escrow account for hazard insurance on this property. \n\nThe loan servicing has since transferred from XXXX to Shellpoint, although NewRez continues to appear throughout the account records and customer portal. I do not fully understand NewRez 's continuing role, as documents continue to appear as having been transferred or forwarded from a prior servicer. \n\nUpon reviewing the insurance records available through the customer portal, I discovered that there appear to be no hazard insurance binders or policy records after XXXX. \n\nOn XX/XX/XXXX, I contacted Shellpoint 's insurance department directly. During that conversation, I was advised that the company had confirmed there had been no active hazard insurance policy on the property since XXXX. I was further advised that Shellpoint was placing a policy effective XX/XX/XXXX. \n\nThe representative also advised that I should seek a balance adjustment for escrow funds that had been collected and advanced for hazard insurance during the years in which no policy appears to have existed. I was instructed to address that issue with the servicing department. \n\nBecause an auction sale is currently scheduled, I have not yet been able to fully address this issue with servicing. \n\nXXXX. Discrepancies in the Loan Balance and Foreclosure Judgment For years, XXXX represented that I owed substantially more than the amount that now appears to be reflected in the servicing records. \n\nThe amount claimed in the foreclosure action has never appeared mathematically accurate to me. As recently as approximately XXXX month ago, I was being told that more than {$570000.00} was owed. \n\nHowever, on XX/XX/XXXX, I requested a payoff statement from Shellpoint. During that process, I was informed that the balance transferred from the prior servicer and reflected as the amount due in full was approximately {$290000.00}. \n\nThis discrepancy raises serious concerns. \n\nIf the actual balance is approximately {$290000.00} rather than more than {$570000.00}, then the foreclosure judgment may have been calculated using incorrect figures. It also means that substantial equity exists in the property and that refinancing opportunities may have been available long before the foreclosure reached its current stage. \n\nHad accurate balance information been provided, I would have pursued available options to resolve the default and preserve the property. \n\nI respectfully request a full accounting and reconciliation of the loan balance, the foreclosure judgment amount, escrow advances, fees, and all servicing transfers. \n\nXXXX. Active Loss Mitigation and Pending Foreclosure Sale When I log into the customer portal and navigate to the Loss Mitigation section, a prominent notice states that I have an active loan workout package in place. \n\nDespite that representation, the current servicer, Shellpoint, and the foreclosing attorneys have refused to cancel the foreclosure auction, which is currently scheduled to occur in approximately XXXX days. \n\nI have repeatedly raised concerns that this situation constitutes impermissible dual tracking. \n\nAdditionally, I have received correspondence from the prior servicer confirming that my application was accepted for review, that valuation was being ordered, and that the review process remained active. \n\nFurther supporting this point, the appraisal associated with the loss mitigation review was uploaded into the current servicer 's portal on Monday of this week. \n\nNevertheless, supervisors at Shellpoint have repeatedly stated that there is \" not enough time '' to cancel the foreclosure sale. \n\nThe continued pursuit of foreclosure while the customer portal reflects an active workout package, while loss mitigation documents remain under review, and while appraisal activity continues raises serious concerns regarding compliance with applicable mortgage servicing and loss mitigation requirements. \n\nI am requesting an immediate review of these issues and an immediate suspension of the scheduled foreclosure sale while the account is properly audited and all pending loss mitigation matters are resolved.REQUEST FOR RELIEF Based upon the facts outlined above, I respectfully request that the Consumer Financial Protection Bureau, the Department XXXX XXXX XXXX, the Office of the Attorney General, and any other appropriate regulatory or oversight agencies conduct a full investigation into the servicing, loss mitigation, escrow administration, insurance administration, and foreclosure practices associated with this loan. \n\nSpecifically, I request the following relief : XXXX. Immediate Suspension of Foreclosure XXXX I request the immediate postponement, cancellation, or suspension of the foreclosure auction currently scheduled for XX/XX/XXXX, pending a full review of the servicing history, loss mitigation history, escrow accounting, insurance accounting, and payoff calculations associated with this loan. \n\nGiven the existence of an active workout package reflected in the servicer 's own customer portal, the recent appraisal activity associated with loss mitigation review, and the unresolved disputes concerning the loan balance and escrow administration, allowing the foreclosure sale to proceed before these issues are investigated would create the risk of irreparable harm. \n\nXXXX. XXXX XXXX XXXX and XXXX I request a complete loan-level accounting from the date servicing began through the present, including but not limited to : - All principal balances. \n- All interest accruals. \n- All late fees. \n- All corporate advances. \n- All escrow advances. \n- All attorney fees and foreclosure costs. \n- All property inspection fees. \n- All broker price opinion fees. \n- All appraisal fees. \n- All suspense account activity. \n- All unapplied funds. \n- All servicing transfer adjustments. \n- All force-placed insurance charges. \n- All escrow analyses. \n- All loss mitigation calculations. \n\nI further request that the servicer identify every adjustment made to the account following each servicing transfer and explain any discrepancies between balances reported by prior servicers and balances reported by the current servicer. \n\nXXXX. Investigation of the XXXX Loan Modification and XXXX XXXX XXXX I request an investigation into the unsolicited loan modification offered in XX/XX/XXXX during the earliest months of the XXXX pandemic. \n\nSpecifically, I request a determination as to : - Why a loan modification was offered without an application. \n- Whether any pandemic-related relief options should have been offered or applied. \n- Whether any XXXX XXXX or pandemic-era protections were available but not implemented. \n- Whether interest, fees, and charges continued to accrue in a manner inconsistent with available relief programs. \n- Whether the XXXX modification was later used improperly to deny or limit my eligibility for future loan modifications. \n\nIf errors occurred during this period, I request that the account be corrected and any improperly assessed amounts be removed. \n\nXXXX. Investigation of the XX/XX/XXXX Through XX/XX/XXXX Loss Mitigation Process I request an investigation into the loan modification process initiated after the XX/XX/XXXX \" Servicer Day '' communication. \n\nSpecifically, I request a determination regarding : - Why communications were directed to my attorney rather than to me. \n- Why the XX/XX/XXXX modification notice was not received until XX/XX/XXXX, after the first payment due date had already passed. \n- Whether proper notice requirements were satisfied. \n- Whether the servicer provided a reasonable opportunity to accept and perform under the modification. \n- Why the account allegedly could not accept payments when I repeatedly attempted to make them between XX/XX/XXXX and XX/XX/XXXX. \n- Whether the modification was improperly terminated despite my documented attempts to perform. \n\nIf it is determined that the modification was improperly denied, improperly closed, or otherwise mishandled, I request that the servicer be required to restore the modification review process and correct any resulting damage to the account. \n\nXXXX. Investigation of XXXX XXXX XXXX Charges and Missing Coverage I request a complete investigation into the collection and disbursement of hazard insurance escrow funds. \n\nSpecifically, I request a determination regarding : - Whether hazard insurance actually existed on the property between XXXX and XX/XX/XXXX. \n- What policies, if any, were in force during that period. \n- Who received the escrow disbursements collected for hazard insurance. \n- Whether premiums were paid. \n- Whether any policies were canceled, expired, or never procured. \n- Whether escrow funds were improperly collected or disbursed. \n\nIf it is determined that hazard insurance did not exist during periods in which escrow funds were collected for that purpose, I request a complete accounting and reimbursement of all improperly charged amounts, together with any corresponding interest, fees, and charges that were assessed as a result. \n\nXXXX. Investigation of the Reported Loan Balance and Foreclosure Judgment Amount I request an investigation into the substantial discrepancy between the amounts reported by the servicer over the years and the balance recently provided by the current servicer. \n\nSpecifically, I request a determination regarding : - Why balances exceeding approximately {$570000.00} were repeatedly represented as owed. \n- How the current transferred balance due in full is reported as approximately {$290000.00}.\n\n- Whether errors exist in the foreclosure judgment calculations.\n\n- Whether escrow advances, fees, costs, or other charges were improperly assessed.\n\n- Whether inaccurate payoff information prevented me from pursuing available refinancing, settlement, reinstatement, or repayment options. \n\nIf errors are identified, I request that all records be corrected and that any foreclosure judgment obtained using inaccurate figures be reviewed and adjusted accordingly. \n\nXXXX Review of Potential XXXX XXXX Violations I request an investigation into whether the servicer and foreclosure counsel violated federal mortgage servicing regulations by continuing foreclosure activity while loss mitigation activity remained pending. \n\nSpecifically, I request a determination regarding : - The active workout package reflected in the customer portal. \n- The recent appraisal activity associated with loss mitigation review. \n- Prior correspondence confirming that the application had been accepted for review. \n- The decision to continue foreclosure activity despite ongoing review activity. \n\nIf violations are identified, I request that all foreclosure activity be halted until the loss mitigation process is fully completed and any resulting servicing errors are corrected. \n\nXXXX Review of Disaster-Related Assistance Eligibility I request a determination as to whether the catastrophic XX/XX/XXXX sewer and plumbing event qualified me for any disaster-related mortgage relief, forbearance, loss mitigation protections, or other homeowner assistance programs. \n\nIf such protections were available and were not offered or applied, I request that the servicer be required to review and correct the account accordingly. \n\nXXXX. Preservation of Records Finally, I request that all servicing records, call recordings, account notes, payment histories, loss mitigation records, escrow records, insurance records, foreclosure records, correspondence logs, servicing transfer records, appraisal records, and internal communications relating to this loan be preserved pending investigation. \n\nGiven the number of servicing transfers, disputed balances, and unresolved issues identified above, preservation of these records is necessary to ensure a complete and accurate review.","date_sent_to_company":"2026-06-17T15:14:16.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11793","tags":null,"has_narrative":true,"complaint_id":"23298662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-06-17T14:53:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["If it is determined that the modification was improperly denied, improperly closed, or otherwise <em>mishandled</em>, I request that the servicer be required to restore the modification review <em>process</em> and correct any resulting damage to the account. \n\nXXXX. Investigation of XXXX XXXX XXXX Charges and Missing Coverage I request a complete investigation into the collection and disbursement of hazard insurance escrow funds."],"issue":["Trouble during payment <em>process</em>"]},"sort":[6.3876715,"23298662"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11}]}},"product":{"doc_count":11,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","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":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":11,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","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":"Deposits and withdrawals","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company explaining amount owed","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":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":11,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":11}]}},"company_response":{"doc_count":11,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":6},{"key":"Closed with explanation","doc_count":4},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":11,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":11}]}},"company":{"doc_count":11,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4},{"key":"DISCOVER BANK","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"I.C. 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