{"took":227,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":45,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8031411","_score":12.367317,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, XXXX  XXXX [ Zip Exempt ] OneMain XXXX XXXX XXXX XXXX, XXXX XXXX OneMain Financial Attn : EOCC - Intake XXXX XXXX  XXXX XXXX, XXXX XXXX Opt-Out Notice and Demand of Account Removal To whom it may concern, This notice is a final attempt to allow OneMain the opportunity to remove Account # XXXX from any and all third party reporting agencies regarding XXXX XXXX based on one or all of the following statements : As per the response issued by OneMain via CFPB complaint # XXXX , OneMain issued a copy of the proposed original Loan Agreement claimed to be between OneMain and XXXX XXXX. However, it appears that OneMain failed to provide any signature on the Loan Agreement and there is only one electronic signature that claims to be that of XXXX XXXX. I hereby deem this contract to be invalid, as it only possesses one signature. Additionally, it is to be stated that there has been a lack of disclosure and clarity of information when it comes to the true roles the lender, the original creditor, and the borrower play in regards to this contract. ( 16 CFR 444.3 ) The Loan Agreement provided has a different Account number listed on the original document as opposed to what is listed on all credit reports. Additionally, it appears OneMain has listed two different interest rates. These inconsistencies bring into question the validity and good nature of this loan. \nPer the FCRA, as a Federally Protected Consumer, I am from this point forward opting-out of any and all prior authorization I, the Consumer, may have given OneMain whether written, unwritten, verbal, and nonverbal, per 15 USC 6802, 6805, 16 CFR 313, and the Privacy Act of 1974 to report this account to any affiliated or non-affiliated companies. It is to be stated that OneMain failed to provide me with any notice of option to opt-out during any revolving 30-day period in order to help protect my privacy and non-public information. \nPer letters recently sent certified mailed to all 3 Credit Reporting Agencies, according to 15 USC 1681, I demand this account cease all reporting as there has been inaccurate and conflicting information purported on every individual third party agency. \nPer the most recent communication, it would appear OneMain may be in violation of 15 USC 1692e ( 10 ) for offering what appears to be legal advice in recommending to fill out an Identity Theft report without proper lawful context. In the event a FTC Identity Theft form should be filed, it shall be related to 5 USC 522a, as I was coerced into providing my private Social Security Number to OneMain, which was not mandatory and was not made clear at any time as the are not part of the Federal Government. In that only instance will I state and claim that I was a victim of identity theft. \nIt is understood that this account has been Charged-Off and may be considered a Certificate of Indebtedness and Income. Please provide any tax forms ( especially any 1099-C forms ) filled in regards to this account and associated with XXXX XXXX so that the proper accounting and taxes may be filled. \nPlease take notice of the Certified Copy of a UCC 11 search which does not have OneMain listed as a creditor or holding any security interest in XXXX XXXX and or property related to XXXX XXXX. \n\nI reserve my rights in this regard per 16 CFR sec. 433.2 and sec. 433.3 as well as my right to resolve these matters via arbitration per the contract. In the event OneMain does not remove the above listed account within 30 calendar days, a Pre-Arbitration letter will be mailed certified mail in order to begin the necessary steps of escalating this issue further. Finally, it is requested OneMain compensate XXXX XXXX in the amount of {$9000.00} for the pain and suffering involved in these inaccuracies and inconsistencies as well as the inaccuracies and inconsistencies themselves. All representations are true, correct, and contain no material omissions of fact. \n\nSigned, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2023-12-20T16:16:01.000Z","issue":"Improper use of your report","sub_product":"Installment loan","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"8031411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-12-20T16:07:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Per the most recent communication, it would appear OneMain may be in violation of 15 USC 1692e ( 10 ) for offering what appears to be <em>legal</em> <em>advice</em> in recommending to fill out an Identity Theft report without proper lawful context."]},"sort":[12.367317,"8031411"]},{"_index":"complaint-public-v1","_id":"18395019","_score":9.876268,"_source":{"product":"Debt or credit management","complaint_what_happened":"Subject : Formal Consumer Complaint Deuda Cero / Debt 0 Inc  and XXXX XXXX XXXX My name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and I am writing to formally report deceptive and unlawful practices committed by Debt 0 Inc ( also known as Deuda Cero ) and its affiliate XXXX XXXX XXXX. Their actions included misrepresentation, false legal advice, unauthorized withdrawals, and violations of both federal and Florida consumer-protection laws. \nI enrolled in Deuda Ceros debt-relief program in XX/XX/XXXX to manage several credit card accounts. Beginning in XX/XX/XXXX, I made monthly payments of {$470.00} for 13 consecutive months, totaling {$6100.00}. Payments were processed through the XXXX platform, which the company used to manage client escrow funds. \nDuring those 13 months, Deuda Cero only negotiated three accounts XXXX XXXX  XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX ). For my XXXX XXXX  account ending in XXXX, they requested that I increase my monthly payment, which I declined because I had just started a new job and could not afford more, and proposed to wait until XX/XX/XXXX for a reevaluation of my performance and a possible salary increase. Neither of my two XXXX accounts were ever negotiated, and two of my three XXXX accounts also remained unsettled. By collecting and retaining service fees from the very first month before achieving any settlement, Deuda Cero violated the FTC Telemarketing Sales Rule ( 16 C.F.R. 310.4 ( a ) ( 5 ) ), which states : Requesting or receiving payment of any fee or consideration for any debt-relief service until and unless : ( i ) the seller or telemarketer has renegotiated, settled, reduced, or otherwise changed the terms of at least one debt pursuant to the promised debt-relief service. This rule explicitly prohibits debt-relief companies from charging or receiving payment until a successful resolution with a creditor has been obtained. \nIn their official response to the CFPB, Deuda Cero falsely stated that : It is critical to note that the decision to stop paying creditors was made solely by XXXX XXXXXXXX Deuda Cero and its IAPDA-certified counselors do not advise clients to cease payments to creditors, as this is a personal financial decision. This is demonstrably untrue. On XX/XX/XXXX, at XXXXXXXX XXXX, I received an email from XXXX XXXX, a representative of Deuda Cero, explicitly instructing me to stop making payments on my credit cards while they handled the negotiations. The message stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Starting today you must stop using and paying your credit cards ; if you have automatic payments scheduled, you must cancel them You will receive calls from creditors, which is normal, do not answer them so as not to interfere with the negotiation. ) ( Note : For reference, a screenshot of the original email is included at the end of this document, image # XXXX. ) This statement to the CFPB is not only false but also misleading in its intent. Debt-relief companies like Deuda Cero routinely instruct clients to stop making payments to creditors as part of their settlement strategycreating the appearance of financial hardship to push for reduced balances. For Deuda Cero to deny advising this practice contradicts both my written proof and the very foundation of their own business model. Their representation to the CFPB was therefore deceptive and made to mislead regulators into believing they acted in compliance with the Telemarketing Sales Rule, when in fact they relied on this exact method to operate their program. \nThis written instruction directly contradicts their claim to the CFPB that ceasing payments was my personal decision and clearly shows that I acted according to their programs guidance. \nWorse, Deuda Cero gave me false legal advice by instructing me not to attend court hearings for the XXXX accounts, stating that : You should not appear [ in court ] so that the administration does not remove the account from the program ; you must wait until an agreement is reached between both parties. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). ( Note : for reference, a screenshot of the original email is included at the end of this document, image # XXXX ) Following that advice directly led to XXXX XXXX  obtaining a Default Final Judgment against me in Case No. XXXX, and I recently discovered two additional lawsuits : XXXX XXXX. XXXX and XXXX, that were also filed while I was enrolled in the program. These cases proceeded without any defense or response filed on my behalf, despite Deuda Ceros assurances that negotiations were ongoing. As a direct result of their false legal advice and failure to act, I am now exposed to potential wage and bank account garnishment, additional court costs, and long-term credit damage. By providing legal instructions and advising me on court attendance without being licensed attorneys, Deuda Cero and its staff engaged in the unauthorized practice of law and misrepresentation, in violation of Fla. Stat. 454.23, which states : Any person not licensed or otherwise authorized to practice law in this state who practices law or holds himself or herself out to the public as qualified to practice law, or who willfully pretends to be, or willfully takes or uses any name, title, addition, or description implying that he or she is qualified, or recognized by law as qualified, to practice law in this state, commits a felony of the third degree This law forbids any person or entity from providing legal advice or representing themselves as authorized to practice law without a valid license. This unlawful conduct directly caused judicial harm through the resulting default judgments and exposed me to further financial and legal risk. \nAfter the judgment, the company went completely silent. For more than ten days, none of my emails were answered. When I called, I was told : XXXX XXXX will not pick up the phone until she has a final answer for the case, but dont worry, its being handled. I can verify this conversation occurred, as it took place through the companys main business phone line, and I have documentation confirming the interaction. \nLater, I was contacted by XXXX XXXX XXXX, who informed me that because several accounts had not been settled, I would need to increase my monthly payments by {$940.00} for 12 months ( a total of {$1400.00} ) to cover the XXXX accounts. This new payment plan would have required me to pay 100 % of the account balances, since the company had failed to negotiate any reductions. \nIt is also important to note that Deuda Ceros proposed amount was significantly higher than what XXXX had actually agreed on, the official monthly payment plan for both XXXX accounts totaled approximately {$750.00} ( {$360.00} and {$390.00} respectively ). Despite this, Deuda Cero was asking me to pay {$940.00} per month through them, even though they had not negotiated those accounts and the payment arrangements had already been set directly by XXXX after the default judgment. \nOn XX/XX/XXXX and XXXX, XXXX, I sent multiple written requests asking Deuda Cero to immediately stop all withdrawals and to provide their written refund policy for review. At no point did I request to cancel the program my intention was solely to pause payments until I could examine and understand their refund terms. Despite these written requests, the company never provided the refund policy nor gave any explanation regarding the handling of my remaining funds. \nFurthermore, on XX/XX/XXXX, Deuda Cero unlawfully withdrew {$1200.00} from my escrow account after receiving written instructions to stop all payments, transferring the funds into their own accounts without my knowledge or consent. ( Note : Please refer to image 3 for the screenshot of the Forth account transactions ) This unauthorized withdrawal constitutes a clear violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which states : A preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution This law protects consumers against unapproved electronic debits and requires express consent for any transfer of funds. \nAccording to their own contract, any remaining funds after termination or cancellation must be returned to the client, yet I received no refund or explanation. \nOf the total {$6100.00} I paid : {$3600.00} ( 59.6 % ) went to Deuda Cero and XXXX XXXX XXXX as service fees. \n{$1200.00} ( 19.6 % ) were unauthorized withdrawals made after I requested they stop payments. \n{$250.00} ( 4.2 % ) went to custodial and maintenance fees for the XXXX platform. \nOnly {$1000.00} ( 16.5 % ) were actually paid to creditors. \nIn total, Deuda Cero and XXXX XXXX XXXX retained or withdrew approximately {$4900.00} ( 79 % ) of all the funds I paid. Yet, in their response to my CFPB complaint, they falsely claimed that the program was out of funds and that all deposits had been properly allocated. This statement is demonstrably false. Their own transaction records and my attached breakdown clearly show that nearly 80 % of my payments were taken in fees or unauthorized withdrawals. It is therefore impossible for the program to be out of funds when the vast majority of the money I contributed was diverted to the companys own accounts rather than used for creditor settlements. \nAfter discovering the unauthorized activity, I contacted XXXX XXXX  XXXX, which opened a Regulation E investigation. The bank flagged the last three withdrawals as fraudulent and issued provisional credits totaling {$1400.00} ( the equivalent of three monthly payments ). The XXXX statements now show unauthorized and reversed entries and temporary negative balances as a result of the chargebacks until investigation is concluded. \nFurthermore, Deuda Ceros response to the CFPB falsely stated that my case was being actively negotiated, even though by that time two XXXX accounts had already defaulted and a final judgment had been entered by the court. This representation to a federal regulator was materially false and intended to conceal their inaction. Beyond that, Deuda Ceros overall conduct showed a complete disregard for its contractual and fiduciary duties : they continued collecting and redistributing funds after my written request to pause payments, ignored multiple emails seeking their refund policy, and failed to disclose how my remaining funds were handled. This pattern of nonresponse and concealment, followed by unauthorized transfers, reflects intentional misconduct rather than administrative error. These false statements, along with the companys failure to act in good faith, constitute a violation of the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ), which states : Unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. prohibits deceptive, misleading, or unconscionable acts in the conduct of trade or commerce. Their misrepresentations to both me and the CFPB were intended to conceal negligence and mislead consumers about the effectiveness of their services. \nI respectfully request that the appropriate regulatory authorities conduct a full investigation into the actions of Deuda Cero / Debt 0 Inc and XXXX XXXX XXXX, and order : Full restitution of all funds collected and withdrawn ( {$4900.00} ). \nAccountability for the companys false legal advice, unauthorized withdrawals, and breach of contractual obligations. \nCorrective and enforcement measures to ensure compliance with consumer-protection laws and to prevent future harm to other consumers. \nI joined this program in good faith seeking debt relief, but instead, Deuda Ceros negligence, deception, and unauthorized actions left me facing court judgments, financial loss, and emotional distress. Their behavior was not just unethical ; it was illegal, and I am asking for this matter to be formally reviewed and addressed. \nI believe this case illustrates a systemic pattern of misconduct affecting other consumers enrolled in Deuda Ceros debt-relief program. Their deceptive instructions, failure to communicate, and mishandling of client escrow accounts warrant not only restitution but also a broader regulatory review of their operating practices. \nI am fully willing to cooperate with any investigation and to provide all supporting documentation upon request. I have preserved all relevant records, including email correspondence, call logs, escrow statements, payment confirmations, and other communications that substantiate every fact described in this complaint. My contact information is listed below for any follow-up or request for evidence. \n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-31T18:21:13.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Debt settlement","zip_code":"33018","tags":null,"has_narrative":true,"complaint_id":"18395019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DEBT 0, INC","date_received":"2025-12-31T18:08:31.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Formal Consumer Complaint Deuda Cero / Debt 0 Inc  and XXXX XXXX XXXX My name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and I am writing to formally report deceptive and unlawful practices committed by Debt 0 Inc ( also known as Deuda Cero ) and its <em>affiliate</em> XXXX XXXX XXXX. Their actions included misrepresentation, false <em>legal</em> <em>advice</em>, unauthorized withdrawals, and violations of both federal and Florida consumer-protection laws."]},"sort":[9.876268,"18395019"]},{"_index":"complaint-public-v1","_id":"7108719","_score":9.6162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY Ally Financial -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by Ally Financial which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX ( XXXX XXXX XXXX ), including Statutory Notes ( XXXX XXXX. XXXX ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law XXXX XXXX XXXX Initial privacy notice to consumers required. ( a ) Initial XXXX XXXX XXXX XXXX XXXX - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' XXXX disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have XXXX XXXX to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you XXXX be limited in your use of that information. Consumers and customers who have the right to opt out XXXX do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. \nPlease provide me with ALL the below mentioned items : XXXX original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication XXXX it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX XXXX. fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law XXXX XXXX XXXX XXXX - XXXX of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law XXXX XXXX Code XXXX - Communication in connection with debt collection XXXX XXXX Code XXXX - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law XXXX XXXX Code XXXX - Civil liability-any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\n\nRespectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:49:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-13T07:49:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you XXXX be limited in your use of that information. Consumers and customers who have the right to opt out XXXX <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.6162,"7108719"]},{"_index":"complaint-public-v1","_id":"7108382","_score":9.6162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY I SENT THIS LETTER TO XXXX XXXX XXXX XXXX Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX  -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it may concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by XXXX XXXXl which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:52:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108382","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T07:50:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["any of my credit reports, then I will seek <em>advice</em> about initiating a potential lawsuit."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.6162,"7108382"]},{"_index":"complaint-public-v1","_id":"7109008","_score":9.59626,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY I SENT THIS LETTER TO XXXX XXXX XXXX XXXX Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the XXXX Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX  main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX XXXX FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by XXXX XXXX  which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : XXXX original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the XXXX XXXX XXXX XXXX  XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:53:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7109008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T07:53:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["any of my credit reports, then I will seek <em>advice</em> about initiating a potential lawsuit."]},"sort":[9.59626,"7109008"]},{"_index":"complaint-public-v1","_id":"7108117","_score":9.592423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO NorthStar Location Services. Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY Ally Financial -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY NorthStar Location Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Northstar Location Services , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : NorthStar Location Services To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave NorthStar Location Services. Any of my information it was SOLD to them by Ally Financial which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to NorthStar Location Services I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, NorthStar Location Services. \nPlease provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf NorthStar Location Services. fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\n\nRespectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:49:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Northstar Location Services, LLC","date_received":"2023-06-13T07:28:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"]},"sort":[9.592423,"7108117"]},{"_index":"complaint-public-v1","_id":"7108022","_score":9.592423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor Ally Financial charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY Ally Financial -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C XXXX XXXX Permissible purposes and XXXX CFR XXXX Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by Ally Financial which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX ( XXXX XXXX XXXX ), including Statutory Notes ( XXXX XXXX. XXXX ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law XXXX XXXX XXXX Initial privacy notice to consumers required. ( a ) Initial XXXX 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. \nPlease provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication XXXX it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX XXXX. fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\n\nRespectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:49:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-06-13T07:49:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.592423,"7108022"]},{"_index":"complaint-public-v1","_id":"7113685","_score":9.470627,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to Bank of America Account to provide my personal information to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave Bank of America the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, Bank of America Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a XXXX99-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf Bank Of America fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX","date_sent_to_company":"2023-06-13T08:43:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7113685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-06-13T08:35:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.470627,"7113685"]},{"_index":"complaint-public-v1","_id":"7108992","_score":9.470627,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX  XXXX to provide my personal information to XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX XXXX  XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX  XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.\n\n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.\n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX XXXX  XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313","date_sent_to_company":"2023-06-13T09:00:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108992","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T09:00:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.470627,"7108992"]},{"_index":"complaint-public-v1","_id":"7108465","_score":9.448557,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX  XXXX XXXX Account to provide my personal information to XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and\n\n16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX ACCURACY. \n\nI never gave XXXX XXXX XXXXXXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX  XXXX XXXX XXXX provide me with ALL the below mentioned items : XXXX original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX  XXXX XXXX fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. \nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX","date_sent_to_company":"2023-06-13T08:43:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T08:43:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.448557,"7108465"]},{"_index":"complaint-public-v1","_id":"7108464","_score":9.448557,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX  XXXX XXXX Account to provide my personal information to Experian, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave XXXX XXXX XXXXXXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nThe FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXXXXXX XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX  XXXX XXXX fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. \nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX","date_sent_to_company":"2023-06-13T08:43:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-13T08:43:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.448557,"7108464"]},{"_index":"complaint-public-v1","_id":"7111923","_score":9.44671,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX  XXXX XXXX Account to provide my personal information to XXXX, XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX  XXXX XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX  XXXX XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.\n\n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.\n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX  XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. \nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX","date_sent_to_company":"2023-06-13T08:52:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7111923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T08:44:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."]},"sort":[9.44671,"7111923"]},{"_index":"complaint-public-v1","_id":"7111913","_score":9.414536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX  XXXX to provide my personal information to XXXX, XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX XXXX  XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX  XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.\n\n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.\n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX XXXX  XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313","date_sent_to_company":"2023-06-13T09:00:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7111913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T09:00:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."]},"sort":[9.414536,"7111913"]},{"_index":"complaint-public-v1","_id":"7108496","_score":9.361326,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX XXXXXXXX. Since this debt was originally Charged off by the creditor XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statute. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Account to provide my personal information to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \n\nPer XXXX5 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX XXXX  which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX ( XXXX XXXX XXXX ), including Statutory Notes ( XXXX U.S.C XXXX XXXX ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXXXXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was XXXX cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:21:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-13T07:21:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.361326,"7108496"]},{"_index":"complaint-public-v1","_id":"7113208","_score":9.346016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO Firstsource Advantage , LLC. Since this debt was originally Charged off by the creditor XXXX XXXX XXXX XXXX XXXX XXXX  charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute. \n\nXXXX XXXX XXXX XXXX XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Firstsource Advantage , LLC To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXXXXXX XXXX XXXX and Firstsource Advantage , LLC Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \n\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave Firstsource Advantage , LLC Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX Bank which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to Firstsource Advantage , LLC XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, Firstsource Advantage , LLC Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf Firstsource Advantage , LLC fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:21:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7113208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Firstsource Business Process Services, LLC","date_received":"2023-06-13T07:00:37.000Z","state":"NY","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"]},"sort":[9.346016,"7113208"]},{"_index":"complaint-public-v1","_id":"7111593","_score":9.346016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX  XXXX. Since this debt was originally Charged off by the creditor XXXX XXXX  XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statute. \n\nXXXX XXXX  XXXX CREDIT -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXXXXXX XXXX XXXX  To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX. \n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX  XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, XXXX  Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.\n\nSince this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.\n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:27:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7111593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T07:22:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"]},"sort":[9.346016,"7111593"]},{"_index":"complaint-public-v1","_id":"7108118","_score":9.346016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor TD BANK USA/TARGET CREDIT charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute. \n\nTD BANK USA/TARGET CREDIT -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX it XXXX concern : Per the FCRA as a federally XXXX consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to Target Credit Card/ TD Bank and XXXX  XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by Target Credit Card/ TD Bank which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXXXXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, LLC Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:27:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108118","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-06-13T07:27:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"]},"sort":[9.346016,"7108118"]},{"_index":"complaint-public-v1","_id":"7108497","_score":9.340657,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I SENT THIS LETTER TO XXXX XXXX XXXXXXXX. Since this debt was originally Charged off by the creditor XXXXXXXX XXXX XXXX  XXXX Credit Card charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute. \n\nXXXX XXXX XXXX XXXX XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXXXXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \n\n\nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. \n\nI never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX XXXX  which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you XXXX be limited in your use of that information. Consumers and customers who have the right to opt out XXXX do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, XXXX  Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. \nIf XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. \n\n\nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________","date_sent_to_company":"2023-06-13T07:21:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7108497","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T07:21:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you XXXX be limited in your use of that information. Consumers and customers who have the right to opt out XXXX <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.340657,"7108497"]},{"_index":"complaint-public-v1","_id":"3001978","_score":8.957692,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"No balance involved to date. The account was opened with scanned photo/identification card on Tuesday XX/XX/2018. Th company suggests 4-5 days to verify and sync criteria. \n\n# # - Please type your reply above this line - # # Hello XXXX, Your request ( XXXX ) has been received and will be reviewed by our support staff. \n\nIf you want to add additional comments, simply reply to this email. \n\nXXXX XX/XX/XXXX, XXXX XXXX PDT This is a follow-up to your previous request # XXXX \" secure wallet '' Thats, an interesting reply. The commodities investment privileges on a state by state basis can be reviewed where? \n\nSincerely, The Robinhood Team XXXX Follow us on XXXX to get the latest product news! \n\nRobinhood Financial LLC and Robinhood Crypto, LLC are wholly-owned subsidiaries of Robinhood Markets , Inc. Equities and options are offered to self-directed customers by Robinhood Financial . Robinhood Financial is a member of the Financial Industry Regulatory Authority ( FINRA ) and the Securities Investor Protection Corporation ( SIPC ), which protects securities customers of its members up to {$500000.00} ( including {$250000.00} for claims for cash ). Explanatory brochure available upon request or at XXXX. Cryptocurrency trading is offered through an account with Robinhood Crypto. Robinhood Crypto is not a member of FINRA or SIPC. Cryptocurrencies are not stocks  and your cryptocurrency investments are not protected by either FDIC or SIPC insurance. \n\nFree trading refers to {$0.00} commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities via mobile devices. Relevant SEC & FINRA fees may apply. Please see Robinhood Financials Commission and Fee Schedule.\n\nRobinhood is currently registered in the following jurisdiction ( s ). This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Robinhood is not registered. \n\nAll investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Keep in mind that while diversification may help spread risk it does not assure a profit, or protect against loss, in a down market. There is always the potential of losing money when you invest in securities, or other financial products. Investors should consider their investment objectives and risks carefully before investing.Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. For more information please see the Robinhood Financial Margin Disclosure Statement, Margin Agreement and FINRA Investor Information. These disclosures contain information on Robinhood Financials lending policies, interest charges, and the risks associated with margin accounts. \n\nInvestors should consider the investment objectives and unique risk profile of Exchange Traded Funds ( ETFs ) carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences. Additional regulatory guidance on Exchange Traded Products can be found by clicking here. \n\nSystem response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nThird party information provided for Robinhood product features, Robinhood communications and communications emanating from its social media community are for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. The information provided is not warranted as to completeness or accuracy and is subject to change without notice. The Robinhood website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by Robinhood users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Robinhood Markets Inc., Robinhood Financial , LLC or any of their subsidiaries or affiliates. \n\nTrading in cryptocurrencies comes with significant risks, including volatile market price swings or flash crashes, market manipulation, and cybersecurity risks. In addition, cryptocurrency markets and exchanges are not regulated with the same controls or customer protections available in equity, option, futures, or foreign exchange investing. Cryptocurrency trading can lead to large and immediate financial losses. Several federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see, the CFPB 's Consumer Advisory, the CFTC 'S Customer Advisory, the SEC 's Investor Alert, and FINRA 's  Investor Alert Note that certain Robinhood product features listed are currently in development and will be available soon. \n\nRobinhood Terms and Conditions Contact Us FAQ. \n\n\n\nConversation opened. 1 read message. \n\nSkip to content Using XXXX with screen readers Further Identification Required for Account Approval Inbox x Robinhood XXXX Unsubscribe Fri, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me Robinhood Logo Further Identification Required for Account Approval Hi iflourish, Thank you for applying for a Robinhood account. We can not process your application until we are able to verify your identity. Please provide us with an image of your current U.S. state issued Driver License or U.S. Passport by following these steps : Sign in to Robinhood Press \" TAKE PHOTO NOW '' on the home screen If prompted, allow Robinhood to  access your camera Select the type of ID you wish to scan Follow the image upload instructions on the screen, ensuring that all text is legible Press the Submit button It's possible that we were unable to verify your identity because of a typographical error or discrepancy between your legal name and the name you provided. By responding to this email, you authorize Robinhood to make any necessary changes to your account information. You further certify that the W-9 previously submitted remains accurate. \n\nWe will review your account once we receive your additional form of identification. \n\nIf you have any questions, please contact XXXX. \n\nSincerely, The Robinhood Team XXXX Free trading refers to {$0.00} commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that  trade U.S. listed securities via mobile devices. Relevant SEC & FINRA fees may apply. Please see our Commission and Fee Schedule. \n\nRobinhood is currently registered in the following jurisdiction ( s ). This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Robinhood is not registered.\n\nAll investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Keep in mind that while diversification may help  spread risk it does not assure a profit, or protect against loss, in a down market. There is always the potential of losing money when you invest in securities, or other financial products. Investors should consider their investment objectives and risks carefully before investing. \n\nInvestors should be aware that system response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nMargin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. For more information please see our Margin Disclosure Statement, Margin Agreement and FINRA Investor Information. These disclosures contain information on our lending policies, interest charges, and the risks associated with margin accounts.\n\nInvestors should consider the investment objectives and unique risk profile of Exchange Traded Funds ( ETFs ) carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences. Additional regulatory guidance on Exchange Traded Products can be found by clicking here. \n\nThe member or an associated person is authorized to contact the trusted contact person and disclose information about the customer 's account to address possible financial exploitation, to confirm the specifics of the customer 's current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney, or as otherwise permitted by Rule 2165. \n\nSystem response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nThird party information provided for Robinhood product features, Robinhood communications and communications emanating from its social media community, market prices, data and other information available through Robinhood are meant for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. The information provided is not warranted as to completeness or accuracy and is subject to change without notice. The Robinhood website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by Robinhood users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Robinhood Markets Inc., Robinhood Financial , LLC or any of their subsidiaries or affiliates.\n\nNote that certain Robinhood product features listed are currently in development and will be available soon.\n\nAll securities and investments are offered to self-directed customers by Robinhood Financial , LLC, member FINRA & SIPC. Robinhood Financial , LLC is a wholly owned subsidiary of Robinhood Markets , Inc.\n\nRobinhood Terms and Conditions Disclosure Library Contact Us FAQ unsubscribe from this list This is a follow-up to your previous request # XXXX \" secure wallet '' Thats, an interesting reply. The commodities investment privileges on a state by state basis can be reviewed where? \n\nSincerely, The Robinhood Team robinhood.com","date_sent_to_company":"2018-09-06T13:21:55.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"3001978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2018-08-26T04:03:14.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The Robinhood website <em>provides</em> its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by Robinhood users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein <em>do</em> not reflect the views of Robinhood Markets Inc., Robinhood Financial , LLC or any of their subsidiaries or <em>affiliates</em>."]},"sort":[8.957692,"3001978"]},{"_index":"complaint-public-v1","_id":"5065481","_score":8.784179,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past two years my financial and personal life have been disrupted and my credit standing continues to be threatened by two financial institutions who are wrongfully withholding information from me in violation of the FCRA. \n\nIn XXXX, a CD I had with XXXX XXXX  matured. When I attempted to transfer the proceeds, my account was frozen on the grounds that I was deceased. For more than two months XXXX ignored proof to the contrary -- long established passwords, copy of drivers license, current utility bill, their own 1099s and monthly mailed records from many years -- and ignored as well my repeated requests to identify the \" public record '' they claimed as the basis for their action. \nFinally, with the help of the CFPB, I was able to get my money and the case was closed. But XXXX very pointedly would not respond to my multiple requests for the name of the \" public record '' that took them so long to discover \" incorrect. I gave up asking and put the episode behind me.. \n\n... XXXX XXXX of this year, when once again I was \" deceased. This time it was a payout from an insurance company that was held up. However, this firm investigated and told me their source for the falsehood : LexisNexis Risk Solutions. \n\nLexisNexis Risk Solutions advertises its ability to supply information on individual consumers to clients in the financial field but their 60+ page file about me turned out to be a grossly negligent compilation that, for the most part had nothing to do with me. It mixed my records with those of another person with whom I share nothing other than a first and last name, irresponsibly failing to match middle names or initials, birth dates, social security numbers, addresses, telephone numbers. Additionally they pronounced me deceased while ignoring the discrepancies between the alleged date of my death ( XXXX! ) and ongoing activities such as voting and drivers license renewals from before and after XXXX. \n\nI called this mixture to their attention XX/XX/XXXX and finally, in XXXX, my file was updated to identify me without the deceased designation. At the same time, despite saying many times that they would comply with FCRA rules to provide me with the all-important full and complete details of the required reinvestigation, LexisNexis Risk Solutions has still not told me ( 1 ) where and when they got their destructive misinformation about my \" death '', ( 2 ) how they verified it and ( 3 ) to whom they distributed it. \nMoreover, although I have repeatedly pointed out that they have mixed and merged someone else 's files with mine, they have yet to delete the multiple records that have nothing to do with me. \n\nAnd instead of answers to my questions, the first week in XXXX I received a further surprise : I remain \" deceased '' in the records of an affiliate of theirs named Accurint. How this will affect me I have no idea as yet. \n\nLN 's accompanying letter ( dated XXXX XXXX, received XXXX XXXX ) was equally curious. It seems designed to smudge the line between their various companies responsibilities to leave the impression that LexisNexis Risk Solutions, like Accurint, is not required to do ANYTHING. ( See attached. ). That strikes me as nothing short of incredible. \n\nWithout full and complete details from these institutions I have no way to stop such financially and physically injurious situations from happening again and again. Nor do I have any way to know if there has been damage in the past that I havent yet learned of. I am also disturbed that, as I am in my XXXX, when I do die this will complicate the settlement of whatever financial accounts I leave behind. \n\n\nSo far Ive lost approximately {$270.00} ( interest lost in the XXXX fiasco ) and forced to waste an immense amount of my time on repetitive and questionable forms, messages and telephone calls. Altogether it has been a hugely stressful period, at times paralyzing just trying to understand what was happening. See a lawyer is useless advice : Im too rich for free legal aid and too poor to hire an attorney. \n\nSince learning about the existence of LexisNexis Risk Solutions I am wholly convinced that XXXX never saw ANY public record, instead PAID a very non- public source for a report, read nothing beyond the deceased designation on its first page and acted both wrongly and precipitously. XXXX of course absolves itself of any use a recipient makes of reports it furnishes. \n\nBe that as it may be, the bottom line is that there is still no end in sight for me or multitudes of other consumers sure to wind up in the same sinkhole as, like it or not, our lives become totally digital dependent. Once garbage gets in, it wont get out as long as institutions have little incentive to fully and openly respond to consumers. They correctly calculate that, for them, there is little risk in stonewalling and ignoring us. Until there is meaningful enforcement action by the Consumer Financial Protection Bureau, there is no consumer protection.","date_sent_to_company":"2022-01-03T20:45:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"5065481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-01-03T20:11:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["See a lawyer is useless <em>advice</em> : Im too rich for free <em>legal</em> aid and too poor to hire an attorney. \n\nSince learning about the existence of LexisNexis Risk Solutions I am wholly convinced that XXXX never saw ANY public record, instead PAID a very non- public source for a report, read nothing beyond the deceased designation on its first page and acted both wrongly and precipitously. XXXX of course absolves itself of any use a recipient makes of reports it furnishes."]},"sort":[8.784179,"5065481"]},{"_index":"complaint-public-v1","_id":"15768215","_score":8.768152,"_source":{"product":"Credit card","complaint_what_happened":"About XX/XX/XXXX | was contacted by XXXX XXXX XXXX  stating that they could reduce my high credit card debt by negotiating with several of my creditors to reduce charges owed over the upcoming year for a fee that I would not be be responsible for as it would be included in negotiations with the creditors. \nOn XX/XX/XXXX the upfront fee of {$9900.00} was charged to my Citi Double Cash Card. My credit card debt was transterred to other existing credit cards resulting in bank transfer fees. As I was told by ADS to stop paying the credit cards they were working with many creditor late payment charges were made. My credit score dropped from about XXXX to XXXX. \n\nOn XX/XX/XXXX the Federal Trade Commission sued XXXX  for alleging XXXX XXXX has \" engaged in the deceptive marketing and sale of debt relief services, including impersonating banks and government officials, unlawfuconsumers ' credit reports, taking unlawful advance fees, and violating Do Not Call requirements. '' All assets were frozen and business closed. \nThe Citi Double Cash resolved my dispute by saying I was responsible for the charge. \n\nNotice to Consumers From : Court-Appointed Receiver for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX RE : XXXX XXXX XXXX and Related Companies Have Been Sued by the Federal Trade Commission You are receiving this notice because you are a customer of 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 \n\nThese companies were recently sued by the Federal Trade Commission ( FTC ) which alleges they have engaged in the deceptive marketing and sale of debt relief services, including impersonating banks and government officials, unlawfully obtaining consumers credit reports, taking unlawful advance fees, and violating Do Not Call requirements. \n\nThe United District Court for the District of Arizona Issued a Temporary Restraining Order on XX/XX/XXXX which appoints a Temporary Receiver to take control of the companies. Here is some important information about the lawsuit and your rights : 1 ) Lawsuit Filed : The FTCs lawsuit was filed on XX/XX/XXXX, against the four companies listed above, three of their affiliates ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ), and three individuals : XXXX XXXX, XXXX XXXX, and XXXX XXXX. \n\nBased on his review, the Receiver has also added XXXX other related parties to the receivership - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX ) Temporary Restraining Order ( TRO ) Entered XX/XX/XXXX : The TRO prohibits unlawful conduct, freezes the Defendants assets, and appoints a receiver to take control of the debt relief businesses. ( A copy of the TRO can be found on the Receivers website at XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX ) Preliminary Injunction Hearing : A hearing is now set for XX/XX/XXXX, for the Court to determine whether to enter a Preliminary Injunction ( which would continue indefinitely until a trial of the case ) and to confirm the asset freeze and the appointment of the Receiver. \n\n4 ) Receivers Preliminary Investigation and Suspension of Operations : As required by the TRO, the Receivers team conducted a preliminary review of operations and filed a Preliminary Report on XX/XX/XXXX, which concluded the business could not be operated legally and profitably and, therefore, suspended operations pending further direction from the Court. You can review the Preliminary Report in the Documents section of the Receivers website. \n\n5 ) Settlement Payments Can Continue : If you are presently making payments to a creditor ( s ) on a debt settlement negotiated on your behalf by the Defendants, you can continue to make those payments. Those settlements are not affected by the FTC lawsuit. \n\n6 ) No Further Settlements by Defendants : If some of your enrolled debts were not settled prior to issuance of the TRO on XX/XX/XXXX, those debts will not be negotiated or settled by the Defendants. \n\n7 ) You May Contact a Lawyer, Debt Counselor or Your Creditors Directly : The Receiver is unable to give you legal advice on how to resolve your outstanding enrolled debts. You may wish to consult an attorney or a non-profit debt counselor to understand your rights. Alternatively, you can contact the creditors directly. \n\n8 ) If you Need a List of Your Outstanding Enrolled Debts : If you are unsure of the settlement status of your enrolled debts and you signed up for a company portal, you can still get that information in the portal. If you did not sign up for the company portal, please send an email requesting a list of outstanding debts to XXXX. \n\nWe will provide periodic updates on the case through the Receivers website. If you have additional questions, please send them to XXXX and reference the debt relief services company involved in the subject line.","date_sent_to_company":"2025-09-06T17:30:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46818","tags":"Older American","has_narrative":true,"complaint_id":"15768215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-09-06T16:28:31.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Those settlements are not affected by the FTC lawsuit. \n\n6 ) No Further Settlements by Defendants : If some of your enrolled debts were not settled prior to issuance of the TRO on XX/XX/XXXX, those debts will not be negotiated or settled by the Defendants. \n\n7 ) You May Contact a Lawyer, Debt Counselor or Your Creditors Directly : The Receiver is unable to give you <em>legal</em> <em>advice</em> on how to resolve your outstanding enrolled debts."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[8.768152,"15768215"]},{"_index":"complaint-public-v1","_id":"13936087","_score":8.72739,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a small business owner who was the victim of a coordinated scam that Clover ( a Fiserv company ) enabled, failed to protect me from and is now attempting to collect a $ XXXX debt related to. \nIn XX/XX/XXXX, I was contacted by someone posing as a client booking dog training services. They insisted on paying by card and directed me to sign up with Clover since I did not have a card processing system available. \nI became suspicious and discussed my concerns with Clover support before establishing an account or accepting any payment. I was told that if I sent the client an invoice and they entered their own card details, I would not be held liable for fraud. I followed that advice, sent the invoice through Clover 's system, and the client processed the payment. I saw there were 3 failed card attempts prior to the successful transaction. I brought this concern to my Clover representative and was reassured this method was secure, I would not be held liable, and the transaction looked legitimate, so I accepted the payment and booked the client 's service. \n\nThe transaction was processed on XX/XX/XXXX for {$5000.00}. It was : -Fully authorized by the card issuer, -Returned a match on AVS ( Y ) and CVV2 ( M ), -Entered by the buyer through a secure Clover invoice. \n\nThe chargeback was later filed under Visa Reason Code 10.4 ( Fraud Card-Absent Environment ). However, Visas own policy says that when a transaction is authorized and both AVS and CVV2 match, merchant liability should not apply. Despite this, Clover failed to properly defend the transaction.\n\nThe chargeback was later filed under Visa Reason Code 10.4 ( Fraud Card-Absent Environment ). Visas own policy says that if a transaction is authorized and both AVS and CVV2 match, merchant liability should not apply. Clover and Fiserv failed to represent this defense. \n\nOn XX/XX/XXXX, after months of silence, Clover attempted to withdraw the full amount from my bank account without any warning. When the debit failed, they sent me to collections through First Data XXXX XXXX, a Fiserv affiliate, who is insisting I pay the the full amount plus additional fees. \n\nIn denying my rebuttal, Clover suggests I should be using Visa 3D Secure ( 3DS ), yet they never once mentioned this tool at the time I raised fraud concerns. They failed to provide the information or tools necessary to protect me.\n\nSince then, Ive discovered scams like this involving Clover targeting small businesses like mine are widespread and discussed publicly online, including by other dog trainers. Clover is mentioned frequently as the processor being exploited, yet they continue to allow it and profit by sending victims like me to collections instead of addressing their platforms weaknesses. \nI have learned that this exact scam, of XXXX XXXX with the XXXX XXXX and XXXX, has been discussed on social media as a known scam, with multiple businesses reporting similar losses. This suggests that Clover is either unaware of or ignoring a repeating pattern of fraud on its platform. \nThat this scam has become recognizable and even joked about publicly among small business owners in comment sections, while Clover continues to allow it to occur and seeks to profit from the fallout through collections against victims, is deeply concerning. \n\nI attempted to reach my assigned representative for help building my case and was ignored. I called the number provided for merchant support and was routed to a system that offered no live support or assistance. I was promised help and a chance to defend myself but given no meaningful opportunity to do so. \n\nI attempted to send a written dispute to the email address provided in the First Data XXXX XXXX collection notice. That address was revealed to be an unmonitored inbox only after I replied. This appears to be an intentional barrier to prevent merchants from exercising their legal right to dispute a debt under the FDCPA. \n\nI am disputing this debt and requesting : -That this chargeback and resulting collections be removed from my record, -That Fiserv/Clover be investigated for misrepresenting fraud protection policies and mishandling chargebacks, -That all collections activity and bank debit attempts stop immediately.","date_sent_to_company":"2025-06-06T20:21:11.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"13936087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-06-06T19:17:19.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When the debit failed, they sent me to collections through First Data XXXX XXXX, a Fiserv <em>affiliate</em>, who is insisting I pay the the full amount plus additional fees. \n\nIn denying my rebuttal, Clover suggests I should be using Visa 3D Secure ( 3DS ), yet they never once mentioned this tool at the time I raised fraud concerns. They failed to <em>provide</em> the information or tools necessary to protect me."]},"sort":[8.72739,"13936087"]},{"_index":"complaint-public-v1","_id":"7103458","_score":8.657668,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent this letter to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. Two companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report. \n\n\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Support Services XXXXXXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXXXXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave XXXX XXXX XXXX XXXX XXXX Any of my information it was SOLD to you by XXXX XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX, XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX XXXX XXXX. \nPlease provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf XXXX XXXX XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.","date_sent_to_company":"2023-06-13T04:25:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7103458","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T04:25:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information. Consumers and customers who have the right to opt out may <em>do</em> so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[8.657668,"7103458"]},{"_index":"complaint-public-v1","_id":"7103343","_score":8.657668,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent this letter to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgivenXXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. Two companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attention : Consumer Support Services XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to Credit One Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX Equifax , XXXX XXXX XXXX XXXX, XXXX. Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave XXXX XXXX XXXX XXXX XXXX Any of my information it was SOLD to you by XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley AcXXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX, XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. If XXXX XXXX XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.","date_sent_to_company":"2023-06-13T04:30:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7103343","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T04:30:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["any of my credit reports, then I will seek <em>advice</em> about initiating a potential lawsuit."]},"sort":[8.657668,"7103343"]},{"_index":"complaint-public-v1","_id":"7103159","_score":8.651411,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent this letter to Midland Credit Management XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX XXXXXXXX it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. XXXX companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report. \n\n\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Midland Credit Management XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX  and Midland Credit Management XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. \nPer 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \nPlease note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. \n\nI never gave Midland Credit Management XXXX XXXX Any of my information it was SOLD to you by XXXX XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXXXXXX XXXX law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to Midland Credit Management , Inc . I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \n\nI AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, Midland Credit Management , Inc . \nPlease provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. \n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the XXXX XXXX XXXX XXXX XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. \n\nSince this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX states it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. \n* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. \n\nIf your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. \n\nIf Midland Credit Management XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. \n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$XXXX} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.","date_sent_to_company":"2023-06-13T04:25:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7103159","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-06-13T04:05:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to stop my non personal, personal data from being shared with any other non <em>affiliate</em> or <em>affiliate</em>. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not <em>affiliated</em>, you may be limited in your use of that information."]},"sort":[8.651411,"7103159"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":45,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":45}]}},"product":{"doc_count":45,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":22}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Checking or savings 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