{"took":653,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7324066","_score":17.76702,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I applied for a payday advance loan in person at speedy cash. I never was given the full loan payment term to pay back the loans that i requested. I was always charged XXXX dollars in late fees when i wasnt late to my checking account the loans were always to my account before the due dates and after the due dates. \nSpeedy cash charged me for XXXX payday loans amounting at XXXX XXXX and XXXX dollars i contacted customer service through email regarding the errors XXXX XXXX did not respond to my emails. XXXX XXXX  continued to charge my clear access bank account with wells fargo numerous amounts of times overdrawing my account over XXXX XXXX and XXXX dollars i receive ssi payments from the social security XXXX and am exempt from having payday loans default when they were paid residing in california the law states a loan company can not advance more than XXXX loan at the same time which XXXX XXXX violated that law and my rights as a consumer XXXX exempt from having charges sent to collections also this affects my XXXX XXXX however the amount of loans i took out and paid back were not reported to the credit bureaus like it stated to raise my XXXX XXXX either. My XXXX XXXX dropped XXXX  XXXX charged me for a loan in XXXX XXXX in error and refused to correct their mistake which i ended up having to pay in full to cure my checking account negative balance. My account was charged the loans were removed from my XXXX XXXX  profile but i have screenshots of the errors that now seem to not exist. i called the XXXX number and was told by the automated system they have no record of my account ever existing with XXXX XXXX. I need my money refunded including late fee charges i was charged in error and my accurate payments to be reported to the credit bureaus honestly and those defaults removed from my credit report and also i do not consent to an unknown collection agency having my personal infornation nor was i ever served a court order for the money to be removed out of my account either.","date_sent_to_company":"2023-07-29T16:21:41.000Z","issue":"Received a loan you didn't apply for","sub_product":"Payday loan","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"7324066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2023-07-29T15:50:59.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I need my money refunded including late fee charges i was charged in <em>error</em> and my <em>accurate</em> <em>payments</em> to be <em>reported</em> to the <em>credit</em> <em>bureaus</em> <em>honestly</em> and <em>those</em> defaults removed from my <em>credit</em> <em>report</em> and also i do not consent to an unknown collection agency having my personal infornation nor was i ever served a court order for the money to be removed out of my account either."]},"sort":[17.76702,"7324066"]},{"_index":"complaint-public-v1","_id":"4301295","_score":16.011385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, This is my second complaint regarding this matter. Initially the original report was filed with XXXX XXXX being the Primary Person in charge of the errors. However, the Credit Bureaus ( Specially Experian ) have REFUSED to do a thorough investigation and DELETE the late payments from my report. XXXX has been more cooperative, but we still don't this issue taken care of. I've also let the Bureaus know that they are reporting the wrong loan balance and that still hasn't been corrected either. I've enclosed a copy of that information as well. \n\nNONE OF THOSE LATE PAYMENTS ON MY CREDIT REPORT ARE ACCURATE. I've been paying them over {$500.00} on time every single month and they have continued to ruin my credit. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. \n\nIn the Meantime, My entire life has been on HOLD. I haven't been able to apply for new credit. I was initially denied the SBA Loan for my Business, Im also a XXXX XXXX XXXX XXXX that is required to have a trust worthy credit history in order to write policies with carriers for Insurance Clients. My health has also been affected, my XXXX XXXX won't come down and my anxiety is at an all-time high. My doctors are overly concerned about me and so am I. \n\nXXXX XXXX has confessed to making errors on my account verbally in addition to sending me a written email that also took accountability for the mistakes. i would like for Experian and XXXX to order the Tape Recordings of those calls. I have documents showing the dates and times for most of them. However, Ive disputed these items since XXXX of XXXX and here we are in XXXX of XXXX without a resolution. \n\nI'm not asking for any special treatment I just want my Credit Report to reflect the score and reputation that I've worked hard to obtain over the last 4 years. I've enclosed several documents for your review. \n\nBTW : Experian sent me a letter dated XXXX stating that they were NOT going to open another re-investigation for me but when they received the notification from your office, they did ANOTHER FAKE investigation that still didn't progress in a forward direction. I have enclosed a copy of the results page dated XXXX. It honestly does not make any sense and I am BEYOND frustrated right now.\n\nI'm a Single Mother, Grandmother, Business Woman and Legacy Builder for my family. My Credit is important because it is the key that opens every door in our life. I have been patiently waiting for over 1 year to get this resolved and unfortunately none of these companies are willing to simply do the right thing. \n\nIMPORTANT NOTE : I HAVE SEVERAL OTHER DOCUMENTS IF NEEDED FOR YOUR REFERENCE.","date_sent_to_company":"2021-04-15T23:34:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30328","tags":null,"has_narrative":true,"complaint_id":"4301295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-15T22:25:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["NONE OF <em>THOSE</em> LATE <em>PAYMENTS</em> ON MY <em>CREDIT</em> <em>REPORT</em> ARE <em>ACCURATE</em>. I've been paying them over {$500.00} on time every single month and they have continued to ruin my <em>credit</em>. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. \n\nIn the Meantime, My entire life has been on HOLD. I haven't been able to apply for new <em>credit</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.011385,"4301295"]},{"_index":"complaint-public-v1","_id":"14398935","_score":13.366742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im filing this complaint because TransUnion is still refusing to fix the inaccurate late payments on my XXXX XXXXXXXX XXXX account for XXXX, XXXX, and XX/XX/XXXX. I have filed multiple disputes, sent supporting documents, and clearly pointed out that Experian and Equifax have already corrected this same account yet TransUnion continues to report the lates as if nothing is wrong. PLEASE TAKE TIME TO READ everything in this complaint carefully. DO NOT SKIP OVER ANYTHING, and DO NOT FORWARD this to any AUTOMATED or AI-based system. Im asking for a real human to review this personally and take my situation seriously. You need to understand what Im dealing with. Im not going to keep tolerating this kind of negligence. I reviewed TransUnions response dated XX/XX/XXXX, and honestly, it was nothing but a copy-paste template. They claim they contacted the creditor and reviewed available information, but they did not provide a single shred of actual evidence showing what was reviewed or how the information was verified. There was no account breakdown, no billing history, no written confirmation just vague statements. That is not a valid reinvestigation and its not compliant with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information. That includes actually verifying the information with meaningful detail, not just rubber-stamping it as accurate. Failing to explain how they verified the lates is a direct violation of this section. Under 15 U.S.C. 1681e ( b ), they are also required to ensure the maximum possible accuracy of the information they report. If XXXX out of XXXX credit bureaus have already REMOVED these lates, and only TransUnion is still reporting them, then that alone shows the information is NOT consistent or reliable. It means their data is either outdated or IMPROPERLY verified. On top of that, the continued reporting of inaccurate, disputed information without my written consent is a violation of 15 U.S.C. 1681b ( 2 ), especially since Ive already challenged it multiple times and made it clear that its affecting my credit. Under 15 U.S.C. 1681s-XXXX ( b ), the furnisher ( XXXX XXXX XXXX XXXX is also required to conduct a reasonable investigation and report accurate information to the credit bureaus. Their failure to correct these lates after multiple disputes also constitutes a violation.\n\nAlso, under 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) and 1681a ( d ) ( 1 ), private transaction data and scoring models not intended for public dissemination ( such as FICO/VantageScore interpretations or internal creditor data ) should not be used to define a consumer report unless they meet the strict definition under the FCRA which this clearly does not, based on the inconsistent reporting. Additionally, under the Fair Credit Billing Act ( 15 U.S.C. 1666b ( a ) ), a creditor may not legally report a payment as late if it was received on or before the due date. All of my payments were made on time. Any reporting of these as late not only misrepresents the facts but also constitutes a billing error and federal violation. \n\nFinally, the fact that theyve ignored my repeated disputes, failed to provide proof, and continue to report false information amounts to willful and negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o. I have the right to pursue damages under those sections, and Im prepared to do so if this continues. AGAIN, Experian and Equifax are NOT REPORTING any lates. So why is TransUnion still claiming its valid? How can this be accurate on only one bureau? If they cant provide real verification, then they are required to delete the late payments and correct the account to Paid As Agreed which is what it should reflect in the first place. Im pleading with the CFPB to take this seriously and hold TransUnion accountable. Ive done everything I can to resolve this, and I truly need your help to finally put an end to this ongoing issue. Ive followed the law, Ive made my disputes clear, and Ive been more than patient. At this point, TransUnion is failing to do their job, and its causing real harm.","date_sent_to_company":"2025-07-01T02:39:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"14398935","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-01T02:24:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, under the Fair <em>Credit</em> Billing Act ( 15 U.S.C. 1666b ( a ) ), a creditor may not legally <em>report</em> a <em>payment</em> as late if it was received on or before the due date. All of my <em>payments</em> were made on time. Any <em>reporting</em> of these as late not only misrepresents the facts but also constitutes a billing <em>error</em> and federal violation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[13.366742,"14398935"]},{"_index":"complaint-public-v1","_id":"7443287","_score":9.429504,"_source":{"product":"Mortgage","complaint_what_happened":"Our home was flooded by Hurricane Ian in XX/XX/XXXX, and again by Hurricane Nicole only 42 days later in XX/XX/XXXX. \nI contacted Truist after our first flood ( in XX/XX/XXXX ) and we were offered a disaster forbearance on our Mortgage for a 3-month period ( XXXX XXXX ). I was told this could be extended for a total of 12 months in 3-month increments and that I simply needed to call Truist prior to the end of the 3-month period in order to extend the forbearance each time. \nI did just that and we were granted an extension for XXXX XXXX and again for XXXX XXXX. \nIn XX/XX/XXXX, I contacted Truist in order to extend our forbearance for the last 3 months available to us. Our extension was confirmed for XXXX  XXXX and I was informed that our first payment would be due on XX/XX/XXXX. \nIn mid XXXX I began receiving phone calls from Truist Collections requesting that I make a payment as our account was past due. I called Truist to inquire and was told that our account was no longer in forbearance status and was past due. I was given various reasons for this including the 12-month period had been reached ( which was incorrect ), that documentation was missing ( but was not told which documentation specifically ) and was ultimately told the issue could not be resolved and had to be escalated to a supervisor who I should be expecting a call from. \nI did not receive a phone call from a supervisor. But I did receive a letter from an Attorneys office notifying me that they were attempting to collect a debt owed to Truist and that our loan became delinquent on XX/XX/XXXX. \nI still had not received a call back from Truist so I called them again on XX/XX/XXXX and was told our account had been placed under foreclosure since XX/XX/XXXX, and had been sent to an Attorneys office for collections. I was provided with the Attorneys name and number ( XXXX XXXX XXXX ), the same Attorney i had received the letter from, and I was told our account would be reviewed to correct this and that I would receive a call back. \nIn the meantime, my husband and I both received very disruptive daily phone calls, text messages and letters from various companies and attorneys regarding our foreclosure. \nOn XX/XX/XXXX, I became aware that a Lis Pendens had been filed against us on XX/XX/XXXX. \nI called the Attorneys office that same day and informed them our account was not under a foreclosure, that we were not delinquent on payments as we were under a forbearance agreement, and that we were attempting to work with Truist to correct this issue. \nOn XX/XX/XXXX I was called by Truist to inquire on the status of our home repairs. I was not given any more information regarding the correction of the foreclosure or our forbearance and was told I would be contacted by another representative regarding those matters. \nOn XX/XX/XXXX I called Truist as I yet again had not received a call back. After nearly 20min of reviewing the documentation in our account I was told that our forbearance was re-instated and no longer in foreclosure with our first payment now being XX/XX/XXXX. I was also informed that paperwork had been mailed out to me the day prior ( XX/XX/XXXX ), however as of today ( XX/XX/XXXX ) I have not yet received anything. \nI am filing a complaint because despite having done what was asked of us, a Lis Pendens was filed in error which is now a part of public records. \nI am a XXXX  and my husband is a XXXX XXXX who owns his own XXXX XXXX business. This misinformation could be very harmful to us as professionals or as consumers and is not an accurate representation of our characters. \nNeither my husband nor I were notified by Truist at any time that our account was delinquent until I received a call from their Collections Department. Prior to XXXX we had not been contacted by any agency regarding an apparent foreclosure, and this luckily has not been reported to the credit bureaus. Based on this it is apparent that we should never have been turned over to an attorney and a Lis Pendens should never have been filed. \nI also received 3rd party notification from a contact of my mother in laws that Truist admitted foreclosure proceedings should not have been initiated since we should have been under a forbearance. This was communicated in an email from Truist Loss Mitigation Dept. \nWe are looking to you for guidance on how to proceed in order to make sure this error does not jeopardize us in any way, and to hopefully have some kind of reversal for the Lis Pendens filed. \nIn addition, based on our last statement from Truist, there is an amount of {$4700.00} for total fees and charges that has been added to our account which also needs to be corrected. \nMy husband and I are still dealing with the stress from the loss of our home due to the hurricanes. We have been living in an RV with our XXXX little girls since XX/XX/XXXX, and we are still waiting for the insurance company to provide us with an estimate that will allow us to make the necessary repairs to our home as it remains unlivable. To throw this situation on top of all of that has honestly added to the frustration and helplessness that we feel on a daily basis. Weve done everything we were supposed to do, kept our accounts up to date and had the appropriate flood coverage for our home, yet we are still battling to get our lives back to normal so that our girls can have a home again. \nThank you for your time!","date_sent_to_company":"2023-08-23T13:20:27.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32127","tags":null,"has_narrative":true,"complaint_id":"7443287","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-08-23T12:36:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Prior to XXXX we had not been contacted by any agency regarding an apparent foreclosure, and this luckily has not been <em>reported</em> to the <em>credit</em> <em>bureaus</em>. Based on this it is apparent that we should never have been turned over to an attorney and a Lis Pendens should never have been filed. \nI also received 3rd party notification from a contact of my mother in laws that Truist admitted foreclosure proceedings should not have been initiated since we should have been under a forbearance."],"issue":["Trouble during <em>payment</em> process"]},"sort":[9.429504,"7443287"]},{"_index":"complaint-public-v1","_id":"14450988","_score":9.37365,"_source":{"product":"Mortgage","complaint_what_happened":"b'CFPB Mortgage Servicing Complaint Against Caliber Home Loans / Shellpoint Mortgage Servicing\\n\\nI am filing this complaint against Caliber Home Loans (now Shellpoint Mortgage Servicing) due to years of ongoing mortgage servicing errors, mismanagement, and abusive practices that have caused direct financial, legal, and emotional harm to me and my family. Despite consistently making payments as required, Caliber made it appear that I was behind, forced me into an unaffordable loan modification, misapplied my funds, and reported false information to the IRS and credit agencies.\\nMisapplied, Unapplied, and Reversed Payment\\nI made regular mortgage payments every month, as proven by my bank statements and XXXX XXXXother receipts.\\nCaliber repeatedly misapplied, reversed, or held my payments in unapplied suspense accounts, instead of crediting principal, interest, and escrow.accounts, instead of crediting principal, interest, and escrow.\\n\\n\\nSome paymentsespecially around servicing transferswere not posted at all or split into unexplained categories.\\n\\n\\nExample: My records show a XXXX  payment on XXXX and XXXX on XXXX (among many others), yet Calibers statements fail to show these properly credited.\\n\\n\\nArtificially Reporting Delinquency & False Default\\nI was never truly behind on my mortgage, but Calibers errors made it appear that I was.\\n\\n\\nThey reported me as delinquent, imposed late fees, and threatened foreclosure, even during months I paid in full.\\n\\n\\nServicer records frequently label me delinquent even though I provided full payment for principal, interest, and escrow.\\n\\n\\n\\nIRS & Escrow Misreporting / False Federal Reporting\\nCaliber reported XXXX escrow collected for multiple months in XXXX and XXXX on both escrow disclosures and IRS Form 1098even though they collected XXXX every month.\\n\\n\\nThe amounts reported to the IRS do not match the actual payments I made, which may constitute false federal tax reporting and RESPA violations.\\n\\n\\nCaliber continued to collect escrow even after billing me repay escrow advance fees, double-billing my account.\\n\\n\\nCharging Unjustified Corporate Advances & Fees\\nMy statements show over XXXX in unexplained XXXX XXXX XXXX XXXX  advances and regular miscellaneous fees, with no clear breakdown or prior notice.\\n\\n\\nI never authorized these charges, and Caliber provided no written explanation for these deductions.\\n\\n\\n Escrow Account Manipulation & Double-Billing\\nCollected monthly escrow deposits while also charging lump-sum repay of escrow advance fees, resulting in double-billing for escrow.\\n\\n\\nAnnual escrow analysis showed arbitrary shortages and forced increases to my payment amount, which were not properly explained.\\n\\n\\nServicing Transfer Errors & Lost Payments\\nCaliber failed to notify me properly of servicing transfer to XXXX XXXX XXXX XXXX XXXXXXXX (and earlier from XXXXXXXX to Caliber).\\nPayments made during the transfer period were not credited or were lost, causing further account confusion and harm.\\n\\n\\nViolation of CFPBs 2016 Mortgage Servicing Rule (Regulation X)\\nCaliber failed to treat payments received in the grace period as timely and declared me delinquent in violation of 12 CFR  1024.41 and the CFPBs own factsheet.\\nPayments covering principal, interest, and escrow, received within the servicers grace period, were still treated as late.\\nFailure to Provide Accurate Monthly Statements Monthly statements and online account activity logs do not match actual payments made, making it impossible for me to reconcile my account or understand my balance.\\n\\n\\n\\n Emotional and Financial Harm\\nThese errors caused severe anxiety, sleepless nights, and substantial time lost as I tried to resolve these issues.\\n\\n\\nI have suffered lasting damage to my finances, credit, and health, and was repeatedly made to feel behind when I had in fact paid as required.\\n\\n\\n\\nSupporting Evidence Attached\\nPayment receipts and XXXX XXXX  history\\n\\n\\nCaliber payment and escrow account statements (XXXX\\n\\n\\nScreenshots of transaction ledgers showing \\nIRS Form 1098 showing mismatched amounts\\n\\n\\nEscrow statements and evidence of improper charges\\n\\n\\nServicing transfer notice\\n\\n\\nCFPB 2016 Mortgage Servicing Rule factsheet\\n\\n\\nAny other relevant documentation referenced above\\n\\n\\nIf additional proof is required, I have full bank statements showing that I made monthly payments, which I can provide upon request.\\n\\nRequested Action\\nFull investigation and audit of my payment history with Caliber/Shellpoint\\n\\n\\nCorrection of all misapplied or unapplied payments and restoration of my correct account status\\n\\n\\nWritten explanation for all fees, advances, and escrow deductions\\n\\n\\nCorrection of all IRS tax reporting errors and re-issuance of correct Form 1098\\n\\nRelief from the forced unaffordable loan modification, and restoration of my right to a fair mortgage solution\\nCompensation for emotional distress, costs, and damages caused by Calibers misconduct\\n\\nWe faithfully made every monthly mortgage payment on XXXX XXXX  yet Caliber repeatedly misapplied or bounced those payments, misreported delinquency to credit bureaus and the IRS, forced us into default, then imposed a hardship modification at nearly XXXXmonth we cannot afford. Now Shellpoint has taken over servicing but refuses to correct Calibers wrongful accouWe haventing.\\n\\nWe want accurate credit reporting, correction of irs escrow amounts, (c) restitution of any late fees and escrow advances, and order to Shellpoint/caliber  to re-apply our payments correctly and remove any wrongful default. Im paying shellpoint XXXX for a forced loan modifaction because i didnt want to lose my house that i have fought so hard for.\\n\\nI have done everything possible to be a responsible homeowner. It was Caliber/Shellpoints errors and mismanagement that caused my account to appear delinquent, not my actions.\\n I respectfully request that the CFPB intervene and hold Caliber/Shellpoint accountablenot just for me, but for all borrowers who have suffered similar harm.\\nThank you for your attention to this matter.\\n\\nDate Paid (Source)\\n\\nAmount Paid\\nCaliber Entry\\nError / Unapplied Item\\n\\n\\nXXXX XXXX XXXXnHousehold Finance Corp\\nPaid after sale to Caliber (XXXX but never applied\\n\\n\\nXXXX XXXX XXXX\\nCaliber Home Loans\\nNo matching Payment entry; held in suspense\\n\\n\\nXXXX XXXX XXXX\\nCaliber Home Loans\\nUnapplied reversal of XXXX XXXX XXXX XXXX XXXX XXXX\\nCaliber Home Loans\\nNot appliedno record on payment ledger\\n\\n\\nXXXX XXXX XXXX\\nCaliber Home Loans\\nNot appliedno record on payment ledger\\n\\n\\nXXXX XXXX XXXX\\nCaliber Home Loans\\nNot appliedno record on payment ledger\\n\\n\\nXXXX XXXX XXXX\\nCaliber Home Loans\\nNot appliedno record on payment ledger\\n\\n\\nXXXX XXXX XXXX\\nReversed XXXX XXXX XXXX XXXX XXXX XXXXnTwo separate unapplied reversals on same day\\n\\n\\nXXXX XXXX XXXX\\nPayment posted but\\nOffset by an unapplied XXXX XXXX XXXX XXXX (autopay)\\XXXX XXXX\\nPayment posted but\\nOffset by unapplied XXXX XXXX XXXX XXXX XXXX  the Escrow Disclosure Statement falsely says i  made no escrow payments from XXXX XXXX, But this IRS-linked Customer Account Activity shows i  did pay into escrow regularly.\\nFailure to Notify of Loan Servicing Transfer\\nDid not properly notify me of transfer from XXXXXXXX to Caliber in XXXX, and again from Caliber to XXXX XXXX  in XXXX XXXX.\\n\\nI sent payments to the old servicer because I never got proper notice.\\n Misapplied, Unapplied, and Reversed Payments\\nMultiple payments (including XXXX XXXX XXXX XXXX XXXX XXXX and others) were never credited, held in suspense, or reversed with no explanation.\\n\\nPayments made by WXXXX XXXX, check, or autopay disappeared from Calibers ledger or appeared only as cash receipt unapplied.\\n\\n Failure to Apply Payments Timely or in Full\\nPayments covering principal, interest, and escrow were received within the servicers grace period but were treated as late or partial, triggering false delinquency and late fees.\\n\\n Artificially Reporting Delinquency\\nDespite making required payments, Caliber falsely reported me as delinquent, assessed late fees, and threatened foreclosure.\\n\\nServicers records repeatedly show delinquent even in months where full payments were made.\\n\\n IRS & Escrow Misreporting\\nCaliber reported XXXX  escrow collected for multiple months in XXXX XXXX XXXX  on both escrow disclosures and IRS Form 1098, despite collecting XXXX each mont\\n constitute false federal tax reporting and violated RESPA and IRS regulations.\\n\\n6. Charging Unjustified Corporate Advances & Fees\\nCharged over XXXX in XXXX XXXX XXXX XXXX XXXXorporate advances with no explanation or breakdown.\\n\\nRegularly charged unexplained miscellaneous fees, promise plan fees, and escrow shortage adjustments without notice.\\n\\nEscrow Account Manipulation & Double-Billing\\nCollected monthly escrow deposits while also billing lump-sum repay of escrow advance fees, double-charging me for escrow.\\n\\nAnnual escrow analysis showed arbitrary shortages and forced increases to my payment with no basis.\\n\\n Servicing Transfer Errors & Lost Payments\\nPayments around the XXXX XXXX XXXX XXXX XXXX XXXX were never credited or were misapplied.\\n\\nRecords do not match between servicers, leaving some payments unaccounted for.\\nXXXX Violation of CFPBs Mortgage Servicing Rule (Regulation X)\\nFailed to treat payments received in the grace period as timely.\\n\\nDeclared me delinquent in violation of 12 CFR  1024.41 and the CFPBs own factsheet.XXXX\\n\\nForcing Unaffordable Modification\\nUsed artificially created arrears and misapplied payments to push me into a hardship loan modification at nearly XXXX/month.\\n\\nModification was unaffordable and unnecessary had Caliber applied my payments correctly.\\n\\nFailure to Provide Accurate Monthly Statements\\nMonthly statements and online account activity logs do not match actual payments made, making it impossible for me to reconcile my account or understand my balance.\\n\\n Emotional and Financial Harm\\nAll of these errors caused XXXX XXXX, sleepless nights, time lost, and lasting damage to my finances, credit, and health.\\n\\nI was made to feel behind when I had in fact paid as required.\\n\\nI respectfully request that the CFPB:\\n\\nAudit my entire account history,\\n\\nOrder Caliber/Shellpoint to fix each error above,\\n\\nApply all my payments correctly,\\n\\nRefund improper fees,\\n\\nCorrect IRS reporting,\\n\\nAdjust my credit,\\n\\nAnd provide a full, written explanation for all errors.\\n\\n\\n\\nDate Paid (Source)\\tAmount Paid\\tCaliber Entry\\tError / Unapplied Item\\tExhibit\\nXXXX XXXX XXXX\\tHousehold Finance Corp\\tPaid after sale to Caliber XXXX but never applied\\tA\\nXXXX XXXX XXXX\\tCaliber Home Loans\\tNo matching Payment entry; held in suspense\\tAXXXX XXXX XXXXtCaliber Home Loans\\tUnapplied reversal of XXXX XXXX XXXX XXXX XXXX XXXX\\tCaliber Home Loans\\tNot appliedno record on payment ledger\\tB\\nXXXX XXXX XXXX\\tCaliber Home Loans\\tNot appliedno record on payment ledger\\tB\\nXXXX XXXX XXXX\\tCaliber Home Loans\\tNot appliedno record on payment ledger\\tB\\XXXX XXXX XXXX\\tCaliber Home Loans\\tNot appliedno record on payment ledger\\tB\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\tTwo separate unapplied reversals on same day\\tB\\n1XXXX XXXX XXXXtPayment posted but\\tOffset by an unapplied $ 298.02 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  transfer history, XXXX XXXXCaliber Payment History Details screenshots, pages 35 (unapplied and reversed items)\\n: XXXXCaliber account-activity statements, late XXXX  (cash receipts vs. unapplied reversals)\\n: XXXXAnnual Escrow Account Disclosure Statement (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disbursements\\n\\n ***Escrow Mis-management\\nMonthly escrow deposits of XXXX XXXX  were taken each month (XXXX XXXX XXXX  yet Caliber failed to hold sufficient funds.\\n\\n****Escrow shortage calculated at XXXX XXXX and spread over 36 months, bumping my payment by XXXX XXXX.\\n\\n\\nTimeline of Key Events\\nDate\\tEvent\\nXXXX XXXX to Caliber (Exhibit H)\\nXXXXCaliber sold our loan to XXXX  Master Participation Trust (Exhibit C)\\nXXXX XXXX XXXX XXXX XXXX (to Household Finance Corp) not applied to loan (Exhibit D)\\n01/29/2016\\tTwo payments of XXXX auto-debit (Exhibit G)\\nXXXX\\tPayments posted, then immediately reversed without explanation (Exhibits F, G)\\nXXXX XXXX  auto-debit (Exhibit E)\\nXXXX XXXX XXXX  cash receipt then applies it to escrow, not to P&I (Exhibit E)\\nXXXXtMortgage payment XXXX  auto-debit (Exhibit E)\\nXXXX auto-debit posted as Repayment Plan but not credited \\n\\nI never authorized a rising escrow adjustment so large, and it was never explained nor documented properly.\\n\\nDate\\tYou Paid\\tCaliber Applied to XXXXtCaliber Applied to Escrow\\tCaliber Reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot included\\n\\n\\nEscrow Mismanagement:\\n\\nXXXX  Escrow Disclosure: projected deposits vs. actual disbursements differ by thousands, yet Caliber still charged you a XXXX escrow shortage increase.\\n\\nTax/Flood Disbursements: Caliber reports disbursing XXXX XXXXtax & insurance) but didnt reconcile your escrow deposits.\\n\\nIncorrect IRS 1098 Reporting: Calibers Form 1098 shows only XXXX of interest paid (Box 1) and XXXX  escrow disbursements, despite your records.\\n\\nFailure to Treat Payments as Timely under the CFPBs 2016 Mortgage Servicing Rule (Reg X & Z): multiple payments that covered P&I + escrow on or before due dates were nevertheless marked late or unapplied.\\n\\XXXX XXXX XXXX XXXX XXXX XXXX  payment to Caliber (unapplied/misc-receipt on their statement)\\n\\XXXX XXXX XXXX XXXX XXXX   Loan sold to XXXX  Master Participation Trust (notice arrives after your 11 / 28 payment)\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers (Household Finance  Caliber) showing regular monthly amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Calibers own payment history (cash receipts, promise-plan payments) all show you paid principal, interest & escrow every month\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Customer Account Activity Statement confirming monthly paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Calibers web-portal Payment History Details showing full payments, escrow credits, then your XXXX check on XXXX XXXX XXXX XXXX XXXX\\n\\n\\nTimeline of Key Events\\nDate\\tEvent\\nXXXX XXXX to Caliber \\n1XXXXtCaliber sold our loan to XXXX Master Participation Trust \\nXXXX XXXX XXXX XXXX XXXX (to Household Finance Corp) not applied to loan \\nXXXX XXXX XXXX XXXX XXXXtPayments posted, then immediately reversed without explanation \\n0XXXX\\tMade XXXX auto-debit \\nXXXXtCaliber shows XXXX  cash receipt then applies it to escrow, not to P&I \\nXXXX\\tMortgage payment XXXX XXXXuto-debit (Exhibit E)\\nXXXXXXXX  auto-debit posted as Repayment Plan but not credited to principal \\nXXXX XXXX XXXX XXXX repayment plan posted \\XXXX XXXX XXXX XXXX made by autopay or check XXXXtCaliber posts two insurance disbursements totaling XXXX XXXX XXXX XXXX XXXX payment  escrow drained\\nXXXX XXXX XXXX payment but labels part unapplied, leaving a XXXX XXXX XXXXtAnnual Escrow Disclosure shows a XXXX XXXXhortage despite deposits we made \\nXXXXtCaliber files IRS Form 1098 showing escrow paid out but we never received those funds \\nXXXX XXXX XXXX  by check; Caliber acknowledges receipt but keeps reporting us delinquent \\n\\n\\nIRS Escrow Reporting Vs Actual Payments\\n\\nmonth.     reported on escrow.  actual escrow paid\\njan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\\nmy payments made montlhy \\n\\n\\tDescription\\tAmount\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One-time Payment | XXXX  |\\n\\n\\nA fair solution to my complaint would be:\\nA full and independent audit of my entire mortgage account history across all servicers (Caliber, XXXX XXXX XXXX XXXX XXXX  and Shellpoint Mortgage Servicing), ensuring every payment I made is properly credited and all records are corrected.\\n\\n\\nCorrection of all errors:\\n\\n\\nProper application of every payment I made to principal, interest, and escrow.\\n\\n\\nRemoval of any improper fees, advances, or charges that resulted from servicing mistakes.\\n\\n\\nCorrection of any false delinquency reporting on my account or credit report.\\n\\n\\nCorrection of tax documents:\\n\\n\\nIssue corrected IRS Form 1098 statements to accurately reflect my interest and escrow payments.\\nRelease me from the current 10-year loan modification:\\n\\n\\nI am asking to be removed from this unaffordable modification (requiring XXXX), as I was forced into it by errors and abuses outside of my control. I want to be restored to fair and sustainable loan terms that reflect what my balance and payment should have been if my account had been managed honestly.\\n\\n\\nCompensation:\\n\\n\\nCompensation for any direct financial harm, extra interest, fees, and the emotional distress I have suffered because of these servicing errors.\\n\\n\\nOngoing accountability:\\n\\n\\nWritten assurance that my account will be managed correctly in the future, with access to accurate statements and full transparency.\\n\\n\\n\\nI simply want all my payments properly credited, my account corrected, to be made whole for the damages caused, and to have fair and honest treatment as a homeownerwithout being forced into an unaffordable modification that threatens my home.\\n\\n\\n\\n\\nmy loan investigated fully  and fixed anmd take my loan modifaction thats 10 years paying XXXX  a month and also i bought mty home back in XXXX and my modifaction says i owe XXXX niow which is insane ive made paymentas and gave them all what they wanted and they still try taking my home away. they all have caused so much pain they should all be held accountable for the damage they have caused. i feel like they robbed me thats why now with shellpoint i feel like giving up. paying XXXX XXXX XXXX","date_sent_to_company":"2025-07-03T13:20:37.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"70003","tags":null,"has_narrative":true,"complaint_id":"14450988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-07-03T12:40:31.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":[", costs, and damages caused by Calibers misconduct\\n\\nWe faithfully made every monthly mortgage <em>payment</em> on XXXX XXXX  yet Caliber repeatedly misapplied or bounced <em>those</em> <em>payments</em>, misreported delinquency to <em>credit</em> <em>bureaus</em> and the IRS, forced us into default, then imposed a hardship modification at nearly XXXXmonth we cannot afford."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[9.37365,"14450988"]},{"_index":"complaint-public-v1","_id":"8297660","_score":7.85461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint and submitting documents for evidence in a final attempt to have my right to privacy respected and my right to an accurate credit report pursuant to 15 USC 1681. I have disputed many inaccuracies with XXXX and regardless of the dispute and documentation provided to prove my claim, XXXX has not proven to have adopted reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. \n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nIn the US Code copied above Congress is very clear in noting that the procedures used by any and all credit reporting agencies are the be fair and equitable to the CONSUMER, me, XXXX XXXX, who they are making the report about. There is nothing fair about constantly battling corporations over incorrect, inaccurate unverified data. The use of these elaborate mechanism have failed me gravely and I will explain that in detail below. Congress is also very clear that these corporations and financial institutions are to respect the CONSUMERS right to PRIVACY first and foremost, more than anything. XXXX has violated my right to privacy, credit worthiness, credit standing, credit capacity, my character and credit reputation with continued negligence. \n\nI would first like to address the inaccuracies for three Dept of Ed/Aidvantage accounts reporting on my consumer report furnished by XXXX. All three of these accounts are reporting an account number or XXXX followed by a series of XXXX 's for the remaining account numbers. This account was recently disputed and the dispute results were complete on XXXX and came back account verified and accurate with errors still reporting. IT IS CLEAR THAT THERE IS NO REAL INVESTIGATING BEING DONE AS SHOWN IN THE DOCUMENTATION PROVIDED BY XXXX AFTER XXXX CLAIMED TO HAVE COMPLETED AN INVESTIGATION. The first account reporting with an original balance of {$1700.00} and an open date of XX/XX/XXXX. This account has inaccurate payment history that reads : BEFORE DISPUTE : XXXX XXXX terms met, XXXX & XX/XX/XXXX - No Data Reporting, XXXX XXXX terms met, XXXX XXXX No Data Reporting, XXXX - XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XX/XX/XXXX - XXXX XXXX terms met, XXXX XXXX- 90 days past due, XXXX XXXX- 120 days past due, XXXX XXXX- 150 days past due, XXXX & XXXX XXXX No Data Reporting, XXXX - XXXX XXXX terms met, XXXX XXXX- 120 days past due, XXXX - XXXX XXXX No Data Reporting, XXXX - XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XX/XX/XXXX - XXXX XXXX terms met, XXXX XXXX- 90 days past due, XXXX - XXXX XXXX No Data Reporting, XXXX & XXXX XXXX terms met, XX/XX/XXXX - XXXX XXXX No data Reporting, XXXX XXXX XXXX AFTER DISPUTE : XXXX & XXXX XXXX terms met, XXXX & XXXX XXXX No Data Reporting, XXXX XXXX terms met, XXXX XXXX No Data Reporting, XXXX XXXX XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XXXX XXXX XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XX/XX/XXXX - XXXX XXXX terms met, XXXX XXXX- 120 days past due, XXXX XXXX XXXX XXXX No Data Reporting, XXXX - XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XXXX XXXX XXXX XXXX terms met, XXXX XXXX- 90 days past due, XXXX XXXX XXXX No Data Reporting, XXXX XXXXXXXX terms met, XXXX & XXXX XXXX No Data Reporting. XXXX XXXX XXXX. \n\nIt is honestly sad that I have to fight to have such visible errors corrected. How is the account reporting going from terms being met, to no data reporting for months then jumping to 90 and 120 days late when it hasn't even had a reporting of 30 days late. If XXXX is stating this account is verified and accurate they should be compelled to provide ME, the CONSUMER with the records of validation because something is clearly wrong here. This account date is and HAS ALWAYS BEEN INACCURATE and no matter what XXXX continues the deceptive reporting. I would also like to note the three Dept of Ed/Aidvantage account in this complaint have been consolidated into one in the year of XXXX and is reflecting also in the consolidated loan. If XXXX was truly investigating this information with the data furnisher they would have known that, but instead they are your faulty and deceptive computer systems to cause grave injury to the consumer while racking in nothing but profit from the corporations paying them to make the report. \n\nThe remaining two accounts have have the same payment history so I the documentation of the inaccuracies will constitute for both. The remaining inaccurate accounts are both being furnished by the Dept of Ed/Aidvantage , they both have an account number of # XXXX and open dates of XX/XX/XXXX. One of the accounts has an original balance of {$3500.00} and the other has an original balance of {$4000.00}. These accounts have inaccurate payment history that reads : BEFORE DISPUTE : XXXX XXXX XXXX XXXX terms met, XXXX -XXXX  XXXX No Data Reporting, XXXX XXXX XXXX XXXX terms met, XXXX XXXX- 90 days past due, XXXX -XXXX  XXXX No Data Reporting, XXXX & XXXX terms met, XXXX XXXX XXXX XXXX No Data Reporting, XXXX XXXX XXXX. \n\nAFTER DISPUTE : XXXX XXXX XXXX XXXX terms met, XXXX - XXXX XXXX No Data Reporting, XXXX XXXX XXXX XXXX terms met, XXXX XXXX- 90 days past due, XXXX - XXXX XXXX No Data Reporting, XXXXXXXX XXXX XXXX- terms met, XXXX & XXXX XXXX No Data Reporting, XXXX XXXX. \n\nHere are more inaccuracies in the payment history alone. An account can go from terms being met to absolutely no data being furnished for months! How is the account not reporting any data when it is clear that is has been established. If XXXX has \" INVESTIGATED THE VALIDITY AND ACCURACY '' of the reporting, WHERE IS THE DATA? If XXXX is properly investigating this information then how the hell on earth are they reporting account 90 days late after reporting all terms being met just the month before. Please explain how these procedures are reasonable? Please explain how the reporting in faire and equitable to the CONSUMER? Why do I have to fight so hard to have my report corrected as it should have been done in the first place with two years worth of disputes, endless headaches, sleepless nights and mountains of stress not being able to secure financial products and services for my household and family use. \n\nNow lets talk about my right to privacy and not have my nonpublic person information displayed all across the world wide web for any and everyone to gain access to. I have a right to OPT OUT of any reporting from any financial institution and I am supposed to be provided with my right to OPT OUT before any customer relationship is formed with the consumer. Considering the extreme about of deception and fraud taking place in the financial sector, you and I both know that it was not done that way. None the less I still provided XXXX and reporting data furnishers with my right to OPT OUT of reporting of my nonpublic personal information. Despite my demands being made in good faith with clean hands, XXXX 's willful negligence has continued for years and has completely ruined my credit reputation THIS IS DISCRIMINATION! \n\nPursuant to 15 USC 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 customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 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\nPursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nNot to mention the securities fraud taken place inside of these corporations/ financial institutions who are taking our personal data and securitizing it and having securities of a new issue provided and sold on the secondary market. So XXXX is not only being being negligent but committing securities fraud? SEC FILING TIME!","date_sent_to_company":"2024-02-07T14:54:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8297660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-02-07T14:54:42.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is <em>honestly</em> sad that I have to fight to have such visible <em>errors</em> corrected. How is the account <em>reporting</em> going from terms being met, to no data <em>reporting</em> for months then jumping to 90 and 120 days late when it hasn't even had a <em>reporting</em> of 30 days late. If XXXX is stating this account is verified and <em>accurate</em> they should be compelled to provide ME, the CONSUMER with the records of validation because something is clearly wrong here."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[7.85461,"8297660"]},{"_index":"complaint-public-v1","_id":"6738682","_score":7.6215796,"_source":{"product":"Checking or savings account","complaint_what_happened":"Third in a series of related complaints against Wells Fargo # 1 filed with CFPB on XX/XX/XXXX Complaint # XXXX # 2 filed with CFPB on XX/XX/XXXX Complaint # XXXX # 3 filed with CFPB on XX/XX/XXXX Complaint # to be assigned. \nThe following is an absolutely true, verifiable report of Wells Fargo 's repeated, intentional, deceptive, criminal efforts to manipulate factual history by altering, manipulating, and inventing banking records, after the reported events had already occurred ( after-the-fact ), in an effort to.improperly and illegally profit from their banking clients, to create vicious circumstances to justify these deceptions as accurate, and to hide these deceptions from overseeing agencies, such as the CFP Relevant Historical Events between myself and Wells Fargo : In addition to the millions of false bank accounts and credit card accounts that WF created without the knowledge of their clients/account holders, for which WF received record fines and was required to pay penalties to these individuals and to the federal government - WF has engaged in other forms of deception and manipulation of banking records to profit from their clients.\n\nI would argue that much of WF entire business model is designed to profit from the falsification of its banking records and theft of the assets entrusted to them by consumers. \nI have already received two payments in compensation for Wells Fargo violations, nearly {$5000.00} in {$2000.00} and nearly {$400.00} in XXXX. \nThese payments were for two independent causes, though the basis for the payments overlaps. \nWells Fargo violated the Americans with Disabilities Act by creating 'mini-branches ' that were structurally deficient. They did not provide any option for seating of individuals with physical  disabilities that made prolonged standing impossible, or difficult, and painful. \nThe factual circumstances of the second violation is directly relevant to my current complaint. It provides undeniable proof that these current violations were absolutely intentional.and part of a systematic program to defraud and steal from its depositers by the manipulation of banking records and creation of entirely fictitious banking records, in an attempt to change established, factual events, after-the-fact. \nBeginning in XXXX, Approximately XXXX, Wells Fargo engaged in a series of intentionally fraudulent actions with my WF checking account. \nAs I would make deposits to my account and later, make purchases that drew from these fund, Wells Fargo began to change the order of historical events, to create a fiction. Well after deposits were made and transactions comp! eyed - all of which utilized only available funds- never in excess of available funds- WF would later change the banking record - reversing the order of transactions ( debits ) and deposits ( credits ). \nIn doing so, Wells Fargo created artificial Overdrafts in which funds were drawn in excess of available balance- before those funds were provided. \nAt the tine, I reported these events to several agencies, including the Consumer Financial Protection Bureau. You should have a record of these complaints. Fortunately, as I have in the current circumstances, I had \" screenshots '' - a digital photo of the current presenting screen on a computer - capturing a record or communication at a given time. In effect, it is a photograph of a transaction as it was reported at that time. \nMy screenshots proved that on least ten separate occasions, Wells Fargo reversed the order of my deposits and transactions to create a negative balance and charge me excessive overdraft fees. My screenshots clearly showed the transactions as they occurred and later, they showed the same banking records, intentionally manipulated by Wells Fargo. \nThese criminal acts are a matter of historical record and Wells Fargo was subject to and found guilty of these same actions to innumerable account holders in many states across the USA. \nI just happened to be one if those victims.\n\nYou would think that after record fines, WF would have learned their lesson but as I've communicated in prior communications with the CFPB, this behavior is integral to WF 's business model and only when penalties are greater than profits and executives are given prison time, will this criminal behavior cease.\n\nCurrent Events between myself and Wells Fargo : This is the third of individual but entirely connected complaints by myself against WF with the Consumer Financial Protection Bureau. \nSince these complaints each require individual cause to be considered XXXX complaints, they can be distinguished as follows : These events concern my Wells Fargo Social Security XXXX, direct deposit account and associated Visa debit/checking account. \n1. Complaint 1 - WF processed two transactions that I made with XXXX. Both transactions did not clear XXXX 's system, meaning on neither transaction was I able to complete the purchase I was making. I communicated with XXXX about this trouble with their online system, they acknowledged the problem and I made alternate arrangements. \nDespite these transactions not going through XXXX, WF put them both through as pending transactions. \nPrior to this, I had made a deposit of over {$1000.00}. I then transferred {$690.00} for a transaction to XXXX. There were several XXXX dollars remaining in my account On XX/XX/XXXX, I attempted the two transactions with XXXX. The online website for XXXX reported that the transaction failed. I attempted the transaction again. It also failed. \nNonetheless - WF put both transactions through my account - despite XXXX 's system - clearly rejecting both transactions.While these two charges were pending, I waited for them to 'drop ' from my account when WF had realized its error. Although it is quite likely that as XXXX 's system rejected the transaction, WF 's system should have responded in kind - unless their system was negligently faulty or there was intention by WF from the start, to falsify my transaction records.\n\nWhile these two charges were still pending, WF charged me {$35.00} for an overdraft fee. \nAs stated, after my {$1000.00} deposit and {$690.00} transaction to XXXX, there were my balance was positive. However, WF used these still pending transactions- improperly or mistakenly debited from my account- and created a negative balance, which they used to justify my overdraft fee. \nAs far as I know, pending transactions can not be used as the basis of an overdraft fee until it clears the account. This is especially true for transactions that were never approved by the merchant ( XXXX ). \nI reported this impropriety to WF. \nTheir email response on XXXX, was that I had one day grace period to pay the overdraft, which had resulted in a negative balance Following this, WF then dropped the pending XXXX transactions, made without XXXX 's consent, from my record. However, they retained the {$35.00} overdraft fee. \nI emailed and stated that they couldn't charge me an overdraft fee for a negative balance created by improperly processed, pending transactions, since withdrawn from my account. \nTheir response by email, was the first ( in this current event ), unquestionably, intentionally, falsified banking record. It stated that it was mot the pending XXXX charges that created a negative balance and resulted in this overdraft fee. \nI emailed WF and called them a liar. I provided screenshots to prove there were sufficient funds in my account before and after the XXXX transaction. \n*** First complaint filed with the CFPB on XX/XX/XXXX XXXX Complaint # XXXX I accused WF of intentionally and fraudulently manipulating my banking record to create a false overdraft circumstance from pending and withdrawn charges. \nI then received another email from WF - once again willfully, criminally, manipulating the existing bank records. Since I had provided screenshots that proved I had sufficient funds to cover the XXXX transaction, and the negative balance was the result if debiting my account for the improperly processed and pending XXXX charges - that had since been withdrawn from my record. \nThe next part is almost too incredible to believe if it were not for the absolute evidence and their established history of this exact form of deception. \nWF - days after the pending XXXX transactions had dropped from my bank record. After they claimed it was my XXXX transaction that caused the overdraft, after I emailed WF and stated : a. pending and withdrawn charges can not be the basis for an overdraft fee I attached : b.screenshot proof that the XXXX transaction could not have resulted in a negative balance and caused an overdraft fee because there were sufficient funds before and after the transaction. \nWells Fargo responded with further deception and newly fictitious bank records. \n\nWF NOW took the further step of justifying the overdraft and more importantly, hiding their previously manipulate banking records - BY REINSTITUTING THOSE SAME TWO XXXX CHARGES - that had been pending and DAYS AFTER THEY HAD BEEN WITHDRAWN. \nONCE AGAIN- they created a fictitious banking record, after the fact. \nThis time, it attempted to establish that the original two XXXX charges were not only valid charges made by XXXX on XXXX - despite neither transaction being successful and despite XXXX apologizing for my inability to make these transactions, WF NOW CLAIMED - that both XXXX transactions were valid - AND WERE NEVER PENDING - that both transactions actually cleared my account back on XX/XX/XXXX. \nWith this new rationale, my overdraft charge was no longer the result of a XXXX transaction for which I had proved there were available funds- and it was not the result of PENDING and WITHDRAWN XXXX charges. \nNOW - The overdraft was valid because it was the result of valid XXXX charges that cleared when they were first made on XXXX and created a negative balance. \n*** Second complaint with the CFPB on XX/XX/XXXX Complaint # XXXX ... on the basis that they had reconstituted false previously withdrawn charges AND were using that as the basis for my overdraft fee. \nFollowing this, over the next few days, these are the latest events. I told XXXX that WF had twins figured the charges. \nXXXX again acknowledged that WF had processed charges days after the fact, charges that they never approved. They told me they would try and get the charges reversed. In the interim, I heard from WF by email stating that they needed mire time to resolve the matter. \n\nMeanwhile, WF then, once again, reversed itself, creating new fictitious banking history, by \" provisionally '' dropping those two XXXX charges from my account. \nHowever, they refused to remove the original overdraft charge. \nI then received several communications from XXXX and requested that they involve their legal department and conduct their own investigation. Unfortunately, XXXX, was unwilling to deal with WF ( I can't really blame them ). \nXXXX decided to just pay me for those two charges that WF had re-instituted. However, they paid me thus money before WF had again removed these charges from my account.\n\nThus - I now have two payments from XXXX for transactions that never occurred the direct result of Wells Fargo is manipulation and creation of banking records, after the fact. \nToday, XX/XX/XXXX I received a letter from Wells Fargo. \nThey claimed they had resolved the matter and stated I needed to contact them by XX/XX/XXXX and notify them if I wasn't satisfied, they would consider the matter settled and closed. \nThey claimed they had resolved the situation- though no such resolution exists and even if it did, this has become much, much more than a banking error. \n1. I have received payments from XXXX for services that I never purchased, as a result of WF 's deceptions. I have no idea what the legal status of those funds is.\n\n2. The original overdraft fee was never removed from my account.\n\nWhat nerve, what gall WF has. So sure of its ability to abuse and defraud its consumers. \nOn XXXX called the number provided. They didn't even provide a contact person, just the requirement that I call XXXX. \nI made my call on XX/XX/XXXX between XXXX XXXX PT. I asked for a Supervisor. I asked for his employee identification number. \nHe flatly refused. All I could get him to state was that his name was XXXX and he was in N. Carolina. He was rude and borderline abusive. He kept interrupting me. \nI said, \" Fine. Whether you take note or not, I can honestly say that I called you at WF on this date and time, provided the WF claim # XXXX and stated that the matter was very much not resolved and that I would be making a third complaint to the Consumer Financial Protection Bureau. \nI, a XXXX  XXXX individual having previously had funds, stolen from me through Wells Fargo 's intentional deception and manipulation of my banking records- for which I received two separate financial settlements from Wells Fargo. \nOnce again, Wells Fargo is making my already impaired life that much more difficult and is stealing what very, very limited funds. In fact, this WF account is not only a direct deposit for social security XXXX ( XXXX ) payments but also for supplemental security income ( SSI ) payments. \nRestitution is not restoring my account to its prep manipulated state. Restitution is a heavy federal fine and a substantial payment to myself for the misery and hardships they have caused me - not once but twice. \nUnless you hold WF accountable and require that they compensate me for these abuses, you are telling them in no uncertain terms that there are no repercussions for defrauding their customers and in my circumstances, REPEATED defrauding me, an individual more susceptible to harm than most, on Permanent XXXX with an income that requires additional federal assistance. \nYou are telling WF that there are no negative consequences to manipulating and fabricating a federal direct deposit account. You are telling Wells Fargo that it is perfectly acceptable ton create fictitious transactions that require major, International corporations like XXXX, that they have the power to create fictitious charges for their services that require them to pay for services that were never provided, just to get WF off their back. \nHas this become the new norm? Wasn't the Consumer Financial Protection Bureauestablished to prevent these abuses- and when they do occur, to punish them through the only real, tangible form available, through financial penalties and required punitive compensation. \nAfter decades of these continued abuses, the executives who design these criminals approaches, now integral to their business models, are being financially compensated in amounts greater than ever before. \nOur refusal.to hold these corporations financially liable and the executives who earn more and more with no personal, legal liabilities. This refusal to dissuade, discourage, penalize, and prevent these ongoing criminal frauds, only worsens what many have identified as the greatest crisis currently tearing apart America. \nIt is the source of our ever-increasing social and political polarization. It is the ever widening canyon of class and economic status between the increasingly powerless, increasingly poor majority and the very select few, wth the privilege of legal immunity, political and social influence, and wealth is that is no longer measured individually in the millions but in the billions. \nWhere then, is the distinction between the willful criminal activity of the banks- and the willful refusal of government regulatory agencies, those individuals appointed or elected to protect us but fail to intervene, to punish, or prevent. \nWhy is this? What does it mean that banks are too large to fail? It means the fallout of such a failure would result in financial instabilities to all, including those in power, to a greater extent than the criminal activities and stolen assets that these banks freely engage in without any concern for personal consequence and minimal concern for corporate consequence.\n\nHow can this situation be resolved? I would like to see WF executives held criminally liable for these financial crimes. Why is their immunity assumed. Why is it that stock brokers and business managers and accountants are now receiving jail time for their financial crimes but bank executives have not?\n\nIf the US can prepare criminal charges against a former US President, why are bank executives held accountable? As a rational, realistic individual, I have little faith that any of the WF executives responsible for defrauding me will ever hear about it, let alone be punished for it.\n\nSo how else can I be compensated for fifteen years of financial abuse, theft, and complete disrespect? I can be paid compensation - money - something that will very tangibly improve my life and provide opportunities otherwise unavailable to meXXXX XXXX They paid me compensation before- they should do so again - but more. I am notunreasonable. I have a good understanding of my value and the time and energy they have robbed from me, a permanently XXXX man, whose time and energy is already limited. I am asking for a payment of {$25000.00}, a truly trivial amount to Wells Fargo but a realistic amount that will provide very real opportunities to improve my life.XXXX I had a legal education though I never was an attorney. If I went to an attorney for assistance, realistically, I think if an attorney was willing to represent me in this matter, it would be on a contingency basis. In that circumstance, the attorney would insist on a much, much greater amount of compensation. \nIt's also possible that an attorney or law firm would seek out similar cases to my own and form a class action suit. If other individuals have half the evidence I do, it could be a record award. \nAnd If I am not successful obtaining compensation for my hardship, it would be almost as good if Wells Fargo was required to pay fines - great, huge fines, in excess of their previous fines. \nI think it's realistic, given that repeating the same crimes has no excuse or mitigating factors. It practically requires near-crippling fines, certainly enough to reduce the available funds for executive bonuses.","date_sent_to_company":"2023-03-23T23:17:39.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"94117","tags":null,"has_narrative":true,"complaint_id":"6738682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-23T21:29:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["eyed - all of which utilized only available funds- never in excess of available funds- WF would later change the banking record - reversing the order of transactions ( debits ) and deposits ( <em>credits</em> ). \nIn doing so, Wells Fargo created artificial Overdrafts in which funds were drawn in excess of available balance- before <em>those</em> funds were provided. \nAt the tine, I <em>reported</em> these events to several agencies, including the Consumer Financial Protection <em>Bureau</em>."]},"sort":[7.6215796,"6738682"]},{"_index":"complaint-public-v1","_id":"8297707","_score":7.585869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint and submitting documents for evidence in a final attempt to have my right to privacy respected and my right to an accurate credit report pursuant to 15 USC 1681. I have disputed many inaccuracies with Experian and regardless of the dispute and documentation provided to prove my claim, Experian has not proven to have adopted reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nIn the US Code copied above Congress is very clear in noting that the procedures used by any and all credit reporting agencies are the be fair and equitable to the CONSUMER, me, XXXX XXXX, who they are making the report about. There is nothing fair about constantly battling corporations over incorrect, inaccurate unverified data. The use of these elaborate mechanism have failed me gravely and I will explain that in detail below. Congress is also very clear that these corporations and financial institutions are to respect the CONSUMERS right to PRIVACY first and foremost, more than anything. Experian has violated my right to privacy, credit worthiness, credit standing, credit capacity, my character and credit reputation with continued negligence. \n\nI would first like to address the inaccuracies for three Dept of EdXXXX accounts reporting on my consumer report furnished by Experian. All three of these accounts are reporting an account number or XXXX followed by a series of XXXX 's for the remaining account numbers. This account was recently disputed and the dispute results were complete on XXXX and came back account verified and accurate with errors still reporting. IT IS CLEAR THAT THERE IS NO REAL INVESTIGATING BEING DONE AS SHOWN IN THE DOCUMENTATION PROVIDED BY EXPERIAN AFTER EXPERIAN CLAIMED TO HAVE COMPLETED AN INVESTIGATION. The first account reporting with an original balance of {$1700.00} and an open date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIt is honestly sad that I have to fight to have such visible errors corrected. How is the account reporting going from terms being met, to no data reporting for months then jumping to 90 and 120 days late when it hasn't even had a reporting of 30 days late. If Experian is stating this account is verified and accurate they should be compelled to provide ME, the CONSUMER with the records of validation because something is clearly wrong here. This account date is and HAS ALWAYS BEEN INACCURATE and no matter what Experian continues the deceptive reporting. I would also like to note the three Dept of EdXXXX account in this complaint have been consolidated into one in the year of XXXX and is reflecting also in the consolidated loan. If Experian was truly investigating this information with the data furnisher they would have known that, but instead they are your faulty and deceptive computer systems to cause grave injury to the consumer while racking in nothing but profit from the corporations paying them to make the report. \n\nThe remaining two accounts have have the same payment history so I the documentation of the inaccuracies will constitute for both. The remaining inaccurate accounts are both being furnished by the Dept of EdXXXX , they both have an account number of # XXXX and open dates of XX/XX/XXXX. One of the accounts has an original balance of {$3500.00} and the other has an original balance of {$4000.00}. These accounts have inaccurate payment history that reads : BEFORE DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nHere are more inaccuracies in the payment history alone. An account can go from terms being met to absolutely no data being furnished for months! How is the account not reporting any data when it is clear that is has been established. If Experian has \" INVESTIGATED THE VALIDITY AND ACCURACY '' of the reporting, WHERE IS THE DATA? If EXPERIAN is properly investigating this information then how the XXXX on earth are they reporting account 90 days late after reporting all terms being met just the month before. Please explain how these procedures are reasonable? Please explain how the reporting in faire and equitable to the CONSUMER? Why do I have to fight so hard to have my report corrected as it should have been done in the first place with two years worth of disputes, endless headaches, sleepless nights and mountains of stress not being able to secure financial products and services for my household and family use. \n\nNow lets talk about my right to privacy and not have my nonpublic person information displayed all across the world wide web for any and everyone to gain access to. I have a right to OPT OUT of any reporting from any financial institution and I am supposed to be provided with my right to OPT OUT before any customer relationship is formed with the consumer. Considering the extreme about of deception and fraud taking place in the financial sector, you and I both know that it was not done that way. None the less I still provided Experian and reporting data furnishers with my right to OPT OUT of reporting of my nonpublic personal information. Despite my demands being made in good faith with clean hands, Experian 's willful negligence has continued for years and has completely ruined my credit reputation THIS IS DISCRIMINATION! \n\nPursuant to 15 USC 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 customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 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\nPursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nNot to mention the securities fraud taken place inside of these corporations/ financial institutions who are taking our personal data and securitizing it and having securities of a new issue provided and sold on the secondary market. So Experian is not only being being negligent but committing securities fraud? SEC FILING TIME!","date_sent_to_company":"2024-02-07T14:54:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8297707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-07T13:23:48.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing this complaint and submitting documents for evidence in a final attempt to have my right to privacy respected and my right to an <em>accurate</em> <em>credit</em> <em>report</em> pursuant to 15 USC 1681."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[7.585869,"8297707"]},{"_index":"complaint-public-v1","_id":"12268256","_score":6.9595757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE, REDEMPTION OF LAWFUL MONEY, PRIVACY VIOLATION, TRUST LAW & GAAP COMPLIANCE Notice to Principal is Notice to Agent | Notice to Agent is Notice to Principal To Whom It May Concern, I, XXXX ; XXXX XXXX, XXXX XXXX XXXX am writing to formally dispute inaccurate and unverifiable derogatory items appearing on my credit report and to assert my right to redeem financial instruments in lawful money pursuant to 12 U.S.C. 411. \n\nAdditionally, I have previously provided a promissory note via my original credit application, which created a negotiable instrument that your institution has leveraged in financial markets. Since this note was extended as consideration, I am entitled to receive the interest on payments made under this agreement. These are financial instruments that I have a legal right to collect, pursuant to the indenture agreement you have on file with the SEC. \n\nIn many instances, I have tendered payment by offering valid consideration in the form of Federal Reserve Notes, which under the existing monetary system should constitute setoff and discharge of any alleged obligation. When such payment has been offered, any rejection of that payment must still be honored, or the refusal must be properly explained. As such, I have provided value in the transactions, and the continued reporting of derogatory items constitutes unjust enrichment and misrepresentation of my financial standing.\n\n1. Redemption of Lawful Money & Revocation of Unknowingly Granted Powers I hereby demand the redemption of all funds, securities, and financial instruments derived from my estate and credit activities in LAWFUL MONEY under 12 U.S.C. 411, which states that the option to receive lawful money must be honored upon request.\n\nFurther, I revoke any and all rights, powers, or authorizations I may have unknowingly granted to any financial institution, credit bureau, or third-party entity that may have : Used my credit application as a negotiable instrument and unlawfully monetized it. \nSecuritized my financial instruments without full disclosure or consent. \nConverted my financial obligations into debt securities under fraudulent pretense. \n\nSince you are affiliated with financial institutions and willingly serve their business partners, and since I am associated with these same businesses and partners, I demand that you relay my instructions to the institutions as an agent to the principal. Your continued reporting of information obtained from these financial institutions without properly investigating or communicating disputes to the original creditor constitutes a breach of duty. \n\nFailure to comply will be considered willful negligence and a violation of agency principles, further subjecting your institution to liability under agency law for failing to act upon direct notice from an associated party.\n\n2. GAAP Ledger Compliance & Breach of Contract and Trust Laws All financial transactions must comply with Generally Accepted Accounting Principles ( GAAP ), particularly regarding the proper classification of assets, liabilities, and equity under the Financial Accounting Standards Board ( FASB ) guidelines.\n\nUnder GAAP ASC 310, any account receivable that has been securitized must be accounted for as a liquidated asset, which means the original obligation must be written off as paid on the ledger.\n\nUnder GAAP ASC 305, financial instruments that are actively traded or securitized must be reported as cash equivalents, meaning the alleged debt has already been monetized and should not appear as an outstanding balance on my report.\n\nFailure to follow GAAP results in fraudulent accounting entries, double-booking of liabilities, and deceptive financial reporting practices. \n\nAdditionally, because a contract forms a trust, the trustee ( financial institution ) has an obligation to act in good faith and with full disclosure. The following contractual and trust laws have been violated : Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing : The creditor had a fiduciary duty to disclose how my credit application was monetized and must now rectify any misleading financial statements.\n\nUniform Trust Code 802 Duty of Loyalty : The financial institution failed to act in my best interest by not disclosing the profit generated from my financial instruments.\n\nUniform Trust Code 813 Duty to Inform and Account : The institution failed to provide a full accounting of all funds received, transferred, or securitized under my name.\n\nI demand full forensic reconciliation of all transactions associated with my financial instruments.\n\n3. Direct Treasury Account Deposit Demand I demand that all redeemed funds be deposited into my XXXX XXXX Account for proper settlement : XXXX XXXX Account Number : XXXX All associated securities, bonds, and CUSIP-linked transactions should be accounted for and reconciled in my favor. \n\nI demand a full forensic audit and disclosure of any and all securities or financial instruments tied to my NAME or ESTATE, including : XXXX  numbers assigned to my credit transactions. \nProof of any liens, trusts, or financial vehicles where my financial standing has been leveraged. \nA clear statement of how my promissory note or original application was used in any market transactions.\n\nI demand full compliance with UCC 3-104, 3-306, and 3-603 regarding the enforcement and discharge of negotiable instruments. \n\n\nSpecific Accounts & Tradelines in Dispute I demand the immediate removal of the following derogatory items that are either inaccurate, unverifiable, or improperly reported : XXXX  XXXX XXXX ( Account # XXXX ) ** Incorrect charge-off. The account was closed by the credit grantor and falsely reported as charged off, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishing information that is inaccurate or misleading. \nXXXX XXXX XXXX XXXX ( Account # XXXX ) ** Erroneous charge-off. The account was reported with a maximum delinquency of 120 days, yet there is no signed validation of the debt per 15 U.S.C. 1666i-1. \nXXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) ** Falsely reported as charged off with an unpaid balance despite evidence of tender of payment. This is a violation of UCC 3-604, which states that refusal of payment results in discharge. \nXXXX XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) ** This account was paid in full but was still reported with charge-off remarks. This is an act of malicious reporting and unjust enrichment. \nXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** Account was paid as agreed, yet the negative marks remain. This is a breach of fair reporting laws under the FCRA. \nANY OTHER REMAINING DEROGATORY ENTRIES NOT ALIGNED WITH XXXX should be deleted as well, since reporting discrepancies violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.\n\nPursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand a full reinvestigation of these accounts and either : Immediate removal of unverifiable items within 30 days, or Full validation, including the original contract bearing my wet-ink signature, proof of lawful consideration, and verification that the reporting furnisher had the legal right to report these accounts.\n\n4. Demand for Communication & Compliance with FCRA In accordance with 15 U.S.C. 1681i ( a ) (\n6 ), you must provide me with a written response detailing the results of your investigation no later than 30 days from receipt of this notice. I require that all communications be directed exclusively to me via : Certified Mail : XXXX XXXX XXXX XXXX XXXX Email : XXXX Im currently homeless partially do to the discriminate practice of a social credit score that doesnt reflect my competency and capacity to contract fairly.\n\nFailure to adhere to these lawful instructions will constitute willful noncompliance, a violation under 15 U.S.C. 1681n & 1681o, subjecting your agency to statutory damages, punitive damages, and potential injunctive relief.\n\nI will seek {$1000.00} per violation of the FCRA, GAAP, and contractual laws breached, along with additional pen\nalties for deceptive financial reporting practices and breaches of agency and trust law.\n\n5. Legal Notice & Reservation of Rights This letter serves as prima facie evidence of my dispute and lawful demand. All rights are reserved under UCC 1-308, and no contractual presumptions may be made against me without my explicit consent. \n\nI expect full compliance and a written response within 30 days. \n\nSincerely, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Non-Domestic, Without Prejudice All Rights Reserved, UCC 1-308 LAWS ENFORCING REDEMPTION OF LAWFUL MONEY, MONETARY RIGHTS & SECURITIES ACCOUNTING 1 . Federal Laws Governing Lawful Money & Monetary Rights 12 U.S.C. 411 Lawful Money Redemption Grants the right to demand all transactions be redeemed in lawful money rather than Federal Reserve Notes ( FRNs ).\n\n31 U.S.C. 5103 Legal Tender Laws Defines what constitutes legal tender, establishing how financial institutions must recognize different forms of lawful payment.\n\n31 U.S.C. 3124 Exemption from Taxation on Federal Obligations Protects interest-bearing federal obligations from state taxation, reinforcing the obligation to account for lawful money correctly. \nHouse XXXX XXXX ( XXXX ) XXXX of XXXX Suspension of Gold Redeemability Prevents creditors from demanding payments in gold and reinforces the need to settle obligations through credit, setoff, and discharge.\n\n2. Uniform Commercial Code ( UCC ) Negotiable Instruments & Discharge of Debt UCC 1-201 ( 24 ) D\nefinition of Money Reinforces that lawful money is not the same as Federal Reserve Notes ( FRNs ).\n\nUCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and crediting.\n\nUCC 3-306 Holder in Due Course Protection Protects those who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of Payment States that when payment is tendered and refused, the obligation is discharged.\n\nUCC 3-604 Discharge by Cancellation or Renunciation Any financial instrument can be discharged wh\nen obligations have been satisfied.\n\nUCC 9-102 ( a ) ( 64 ) Definition of Secured Party Clarifies the status of individuals with a security interest in their own promissory notes.\n\nUCC 9-210 Request for Accounting & Secured Party Status Gives the right to demand a full accounting of financial instruments, CUSIP numbers, and securities transactions.\n\n3. Trust & Contract Law ( Fiduciary Duty & Fair Dealing ) Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing Creditors must act honestly and fairly in their financial dealings.\n\nUniform Trust Code 802 Duty of Loyalty Trustees ( banks, credit bureaus, and institutions ) must act solely in the interest of the beneficiary.\n\nUniform Trust Code 813 Duty to Inform and Account All trustees must provide full disclosure and accounting of transactions.\n\nSecurities Exchange Act of 1934 ( 15 U.S.C. 78q ( a ) ) Recordkeeping & Reporting Financial institutions must maintain accurate and transparent records.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Validation of Debts Requires written proof of any alleged debts, including the original wet-ink contract. 4. Financial Accounting & Securities Regulations\n( GAAP Compliance ) GAAP ASC 305 Cash Equivalents Accounting Requires proper classification of monetized promissory notes as cash assets.\n\nGAAP ASC 310 Receivables Accounting Prevents double booking of debts after securitization.\n\nGAAP ASC 860 Accounting for Transfers & Servicing of Financial Assets Requires financial institutions to properly record asset transfers and securitization.\n\nSecurities Act of XXXX ( 15 U.S.C. 77a et seq. ) Securities Registration & Disclosure Ensures full transparency when securities are created from credit applications.\n\n5. Consumer Protection & Fair Credit Reporting ( FCRA & Privacy Laws ) 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit bureaus must ensure all information is verified, accurate, and non-deceptive.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibition Against Furnishing Inaccurate Information Institutions must correct or del\nete false financial data.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to Dispute and Reinvestigation Grants the right to demand an investigation into erroneous financial reporting.\n\n15 U.S.C. 1681n & 1681o Remedies for Willful & Negligent Violations Authorizes damages of {$1000.00} per violation.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Privacy Protection Requires financial institutions to safeguard personal financial data.\n\n6. Agency Law & Legal Remedies Restatement ( Third ) of Agency 1.01 Agency Relationship Defined Establishes that credit bureaus act as agents for financial institutions.\n\nRestatement ( Third ) of Agency 8.06 Duty to Transmit Information Requires agents ( credit bureaus ) to relay all disputes and communications to their principals ( financial institutions ).\n\nTort Law ( Willful Negligence & Malicious Misrepresentation ) Holds institutions liable for economic damage caused by false financial reporting.\n\nENFORCEMENT DEMAND SUMMARY 1. Lawful Money Redemption All transactions must be redeemed in lawful money per 12 U.S.C. 411. \nAll redeemed funds must be deposited into XXXX  XXXX Account # XXXX. \n\n2. Debt Setoff & Discharge Tender of payment already made ( UCC 3-603, 3-604 ).\n\nDebts should be written off under GAAP ASC 310.\n\n3. Financial Instrument Disclosure All se\ncuritizations, CUSIP numbers, and trusts must be disclosed per UCC 9-210.\n\nFinancial reporting must comply with the Securities Act of 1933.\n\n4. Credit Report Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ).\n\nFailure to correct errors results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o.\n\n5. Legal Recourse Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General. \nPotential litigation for injunctive relief, economic damages, and punitive penalties. \n\nFINAL DEMAND I, XXXX ; XXXX XXXX, demand immediate compliance with these legal obligations. I expect full correction of my credit reports, financial disclosure of my instruments, and redemption of all lawful money owed to my estate. \n\nFailure to act within 30 days will be considered willful negligence and a direct violation of statutory, contractual, and fiduciary obligations.","date_sent_to_company":"2025-02-27T11:01:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"12268256","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-27T11:00:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["UCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and <em>crediting</em>.\n\nUCC 3-306 Holder in Due Course Protection Protects <em>those</em> who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of <em>Payment</em> States that when <em>payment</em> is tendered and refused, the obligation is discharged."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[6.9595757,"12268256"]},{"_index":"complaint-public-v1","_id":"12268163","_score":6.9595757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE, REDEMPTION OF LAWFUL MONEY, PRIVACY VIOLATION, TRUST LAW & GAAP COMPLIANCE Notice to Principal is Notice to Agent | Notice to Agent is Notice to Principal To Whom It May Concern, I, XXXX ; XXXX XXXX, XXXX XXXX XXXX am writing to formally dispute inaccurate and unverifiable derogatory items appearing on my credit report and to assert my right to redeem financial instruments in lawful money pursuant to 12 U.S.C. 411. \n\nAdditionally, I have previously provided a promissory note via my original credit application, which created a negotiable instrument that your institution has leveraged in financial markets. Since this note was extended as consideration, I am entitled to receive the interest on payments made under this agreement. These are financial instruments that I have a legal right to collect, pursuant to the indenture agreement you have on file with the SEC. \n\nIn many instances, I have tendered payment by offering valid consideration in the form of Federal Reserve Notes, which under the existing monetary system should constitute setoff and discharge of any alleged obligation. When such payment has been offered, any rejection of that payment must still be honored, or the refusal must be properly explained. As such, I have provided value in the transactions, and the continued reporting of derogatory items constitutes unjust enrichment and misrepresentation of my financial standing.\n\n1. Redemption of Lawful Money & Revocation of Unknowingly Granted Powers I hereby demand the redemption of all funds, securities, and financial instruments derived from my estate and credit activities in LAWFUL MONEY under 12 U.S.C. 411, which states that the option to receive lawful money must be honored upon request.\n\nFurther, I revoke any and all rights, powers, or authorizations I may have unknowingly granted to any financial institution, credit bureau, or third-party entity that may have : Used my credit application as a negotiable instrument and unlawfully monetized it. \nSecuritized my financial instruments without full disclosure or consent. \nConverted my financial obligations into debt securities under fraudulent pretense. \n\nSince you are affiliated with financial institutions and willingly serve their business partners, and since I am associated with these same businesses and partners, I demand that you relay my instructions to the institutions as an agent to the principal. Your continued reporting of information obtained from these financial institutions without properly investigating or communicating disputes to the original creditor constitutes a breach of duty. \n\nFailure to comply will be considered willful negligence and a violation of agency principles, further subjecting your institution to liability under agency law for failing to act upon direct notice from an associated party.\n\n2. GAAP Ledger Compliance & Breach of Contract and Trust Laws All financial transactions must comply with Generally Accepted Accounting Principles ( GAAP ), particularly regarding the proper classification of assets, liabilities, and equity under the Financial Accounting Standards Board ( FASB ) guidelines.\n\nUnder GAAP ASC 310, any account receivable that has been securitized must be accounted for as a liquidated asset, which means the original obligation must be written off as paid on the ledger.\n\nUnder GAAP ASC 305, financial instruments that are actively traded or securitized must be reported as cash equivalents, meaning the alleged debt has already been monetized and should not appear as an outstanding balance on my report.\n\nFailure to follow GAAP results in fraudulent accounting entries, double-booking of liabilities, and deceptive financial reporting practices. \n\nAdditionally, because a contract forms a trust, the trustee ( financial institution ) has an obligation to act in good faith and with full disclosure. The following contractual and trust laws have been violated : Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing : The creditor had a fiduciary duty to disclose how my credit application was monetized and must now rectify any misleading financial statements.\n\nUniform Trust Code 802 Duty of Loyalty : The financial institution failed to act in my best interest by not disclosing the profit generated from my financial instruments.\n\nUniform Trust Code 813 Duty to Inform and Account : The institution failed to provide a full accounting of all funds received, transferred, or securitized under my name.\n\nI demand full forensic reconciliation of all transactions associated with my financial instruments.\n\n3. Direct Treasury Account Deposit Demand I demand that all redeemed funds be deposited into my XXXX XXXX Account for proper settlement : XXXX XXXX Account Number : XXXX All associated securities, bonds, and CUSIP-linked transactions should be accounted for and reconciled in my favor. \n\nI demand a full forensic audit and disclosure of any and all securities or financial instruments tied to my NAME or ESTATE, including : XXXX  numbers assigned to my credit transactions. \nProof of any liens, trusts, or financial vehicles where my financial standing has been leveraged. \nA clear statement of how my promissory note or original application was used in any market transactions.\n\nI demand full compliance with UCC 3-104, 3-306, and 3-603 regarding the enforcement and discharge of negotiable instruments. \n\n\nSpecific Accounts & Tradelines in Dispute I demand the immediate removal of the following derogatory items that are either inaccurate, unverifiable, or improperly reported : XXXX  XXXX XXXX ( Account # XXXX ) ** Incorrect charge-off. The account was closed by the credit grantor and falsely reported as charged off, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishing information that is inaccurate or misleading. \nXXXX XXXX XXXX XXXX ( Account # XXXX ) ** Erroneous charge-off. The account was reported with a maximum delinquency of 120 days, yet there is no signed validation of the debt per 15 U.S.C. 1666i-1. \nXXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) ** Falsely reported as charged off with an unpaid balance despite evidence of tender of payment. This is a violation of UCC 3-604, which states that refusal of payment results in discharge. \nXXXX XXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) ** This account was paid in full but was still reported with charge-off remarks. This is an act of malicious reporting and unjust enrichment. \nXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** Account was paid as agreed, yet the negative marks remain. This is a breach of fair reporting laws under the FCRA. \nANY OTHER REMAINING DEROGATORY ENTRIES NOT ALIGNED WITH XXXX should be deleted as well, since reporting discrepancies violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.\n\nPursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand a full reinvestigation of these accounts and either : Immediate removal of unverifiable items within 30 days, or Full validation, including the original contract bearing my wet-ink signature, proof of lawful consideration, and verification that the reporting furnisher had the legal right to report these accounts.\n\n4. Demand for Communication & Compliance with FCRA In accordance with 15 U.S.C. 1681i ( a ) (\n6 ), you must provide me with a written response detailing the results of your investigation no later than 30 days from receipt of this notice. I require that all communications be directed exclusively to me via : Certified Mail : XXXX XXXX XXXX XXXX XXXX Email : XXXX Im currently homeless partially do to the discriminate practice of a social credit score that doesnt reflect my competency and capacity to contract fairly.\n\nFailure to adhere to these lawful instructions will constitute willful noncompliance, a violation under 15 U.S.C. 1681n & 1681o, subjecting your agency to statutory damages, punitive damages, and potential injunctive relief.\n\nI will seek {$1000.00} per violation of the FCRA, GAAP, and contractual laws breached, along with additional pen\nalties for deceptive financial reporting practices and breaches of agency and trust law.\n\n5. Legal Notice & Reservation of Rights This letter serves as prima facie evidence of my dispute and lawful demand. All rights are reserved under UCC 1-308, and no contractual presumptions may be made against me without my explicit consent. \n\nI expect full compliance and a written response within 30 days. \n\nSincerely, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Non-Domestic, Without Prejudice All Rights Reserved, UCC 1-308 LAWS ENFORCING REDEMPTION OF LAWFUL MONEY, MONETARY RIGHTS & SECURITIES ACCOUNTING 1 . Federal Laws Governing Lawful Money & Monetary Rights 12 U.S.C. 411 Lawful Money Redemption Grants the right to demand all transactions be redeemed in lawful money rather than Federal Reserve Notes ( FRNs ).\n\n31 U.S.C. 5103 Legal Tender Laws Defines what constitutes legal tender, establishing how financial institutions must recognize different forms of lawful payment.\n\n31 U.S.C. 3124 Exemption from Taxation on Federal Obligations Protects interest-bearing federal obligations from state taxation, reinforcing the obligation to account for lawful money correctly. \nHouse XXXX XXXX ( XXXX ) XXXX of XXXX Suspension of Gold Redeemability Prevents creditors from demanding payments in gold and reinforces the need to settle obligations through credit, setoff, and discharge.\n\n2. Uniform Commercial Code ( UCC ) Negotiable Instruments & Discharge of Debt UCC 1-201 ( 24 ) D\nefinition of Money Reinforces that lawful money is not the same as Federal Reserve Notes ( FRNs ).\n\nUCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and crediting.\n\nUCC 3-306 Holder in Due Course Protection Protects those who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of Payment States that when payment is tendered and refused, the obligation is discharged.\n\nUCC 3-604 Discharge by Cancellation or Renunciation Any financial instrument can be discharged wh\nen obligations have been satisfied.\n\nUCC 9-102 ( a ) ( 64 ) Definition of Secured Party Clarifies the status of individuals with a security interest in their own promissory notes.\n\nUCC 9-210 Request for Accounting & Secured Party Status Gives the right to demand a full accounting of financial instruments, CUSIP numbers, and securities transactions.\n\n3. Trust & Contract Law ( Fiduciary Duty & Fair Dealing ) Restatement ( Second ) of Contracts 205 Duty of Good Faith and Fair Dealing Creditors must act honestly and fairly in their financial dealings.\n\nUniform Trust Code 802 Duty of Loyalty Trustees ( banks, credit bureaus, and institutions ) must act solely in the interest of the beneficiary.\n\nUniform Trust Code 813 Duty to Inform and Account All trustees must provide full disclosure and accounting of transactions.\n\nSecurities Exchange Act of 1934 ( 15 U.S.C. 78q ( a ) ) Recordkeeping & Reporting Financial institutions must maintain accurate and transparent records.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Validation of Debts Requires written proof of any alleged debts, including the original wet-ink contract. 4. Financial Accounting & Securities Regulations\n( GAAP Compliance ) GAAP ASC 305 Cash Equivalents Accounting Requires proper classification of monetized promissory notes as cash assets.\n\nGAAP ASC 310 Receivables Accounting Prevents double booking of debts after securitization.\n\nGAAP ASC 860 Accounting for Transfers & Servicing of Financial Assets Requires financial institutions to properly record asset transfers and securitization.\n\nSecurities Act of XXXX ( 15 U.S.C. 77a et seq. ) Securities Registration & Disclosure Ensures full transparency when securities are created from credit applications.\n\n5. Consumer Protection & Fair Credit Reporting ( FCRA & Privacy Laws ) 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit bureaus must ensure all information is verified, accurate, and non-deceptive.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibition Against Furnishing Inaccurate Information Institutions must correct or del\nete false financial data.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to Dispute and Reinvestigation Grants the right to demand an investigation into erroneous financial reporting.\n\n15 U.S.C. 1681n & 1681o Remedies for Willful & Negligent Violations Authorizes damages of {$1000.00} per violation.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Privacy Protection Requires financial institutions to safeguard personal financial data.\n\n6. Agency Law & Legal Remedies Restatement ( Third ) of Agency 1.01 Agency Relationship Defined Establishes that credit bureaus act as agents for financial institutions.\n\nRestatement ( Third ) of Agency 8.06 Duty to Transmit Information Requires agents ( credit bureaus ) to relay all disputes and communications to their principals ( financial institutions ).\n\nTort Law ( Willful Negligence & Malicious Misrepresentation ) Holds institutions liable for economic damage caused by false financial reporting.\n\nENFORCEMENT DEMAND SUMMARY 1. Lawful Money Redemption All transactions must be redeemed in lawful money per 12 U.S.C. 411. \nAll redeemed funds must be deposited into XXXX  XXXX Account # XXXX. \n\n2. Debt Setoff & Discharge Tender of payment already made ( UCC 3-603, 3-604 ).\n\nDebts should be written off under GAAP ASC 310.\n\n3. Financial Instrument Disclosure All se\ncuritizations, CUSIP numbers, and trusts must be disclosed per UCC 9-210.\n\nFinancial reporting must comply with the Securities Act of 1933.\n\n4. Credit Report Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ).\n\nFailure to correct errors results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o.\n\n5. Legal Recourse Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General. \nPotential litigation for injunctive relief, economic damages, and punitive penalties. \n\nFINAL DEMAND I, XXXX ; XXXX XXXX, demand immediate compliance with these legal obligations. I expect full correction of my credit reports, financial disclosure of my instruments, and redemption of all lawful money owed to my estate. \n\nFailure to act within 30 days will be considered willful negligence and a direct violation of statutory, contractual, and fiduciary obligations.","date_sent_to_company":"2025-02-27T11:01:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"12268163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-27T10:38:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["UCC 3-104 Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and <em>crediting</em>.\n\nUCC 3-306 Holder in Due Course Protection Protects <em>those</em> who have given valuable consideration from unjust claims.\n\nUCC 3-603 Tender of <em>Payment</em> States that when <em>payment</em> is tendered and refused, the obligation is discharged."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[6.9595757,"12268163"]},{"_index":"complaint-public-v1","_id":"12267923","_score":6.877984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF DISPUTE, REDEMPTION OF LAWFUL MONEY, PRIVACY VIOLATION, XXXX XXXX XXXX XXXX XXXX Notice to Principal is Notice to Agent | Notice to Agent is Notice to Principal To Whom It May Concern, I, XXXX ; XXXX XXXX, a private investor, am writing to formally dispute inaccurate and unverifiable derogatory items appearing on my credit report and to assert my right to redeem financial instruments in lawful money pursuant to 12 U.S.C. 411. \n\nAdditionally, I have previously provided a promissory note via my original credit application, which created a negotiable instrument that your institution has leveraged in financial markets. Since this note was extended as consideration, I am entitled to receive the interest on payments made under this agreement. These are financial instruments that I have a legal right to collect, pursuant to the indenture agreement you have on file with the SEC. \n\nIn many instances, I have tendered payment by offering valid consideration in the form of Federal Reserve XXXX, which under the existing monetary system should constitute setoff and discharge of any alleged obligation. When such payment has been offered, any rejection of that payment must still be honored, or the refusal must be properly explained. As such, I have provided value in the transactions, and the continued reporting of derogatory items constitutes unjust enrichment and misrepresentation of my financial standing. \n\nXXXX. Redemption of Lawful Money & Revocation of Unknowingly Granted Powers I hereby demand the redemption of all funds, securities, and financial instruments derived from my estate and credit activities in LAWFUL MONEY under 12 U.S.C. 411, which states that the option to receive lawful money must be honored upon request. \n\nFurther, I revoke any and all rights, powers, or authorizations I may have unknowingly granted to any financial institution, credit bureau, or third-party entity that may have : Used my credit application as a negotiable instrument and unlawfully monetized it. \nSecuritized my financial instruments without full disclosure or consent. \nConverted my financial obligations into debt securities under fraudulent pretense. \n\nSince you are affiliated with financial institutions and willingly serve their business partners, and since I am associated with these same businesses and partners, I demand that you relay my instructions to the institutions as an agent to the principal. Your continued reporting of information obtained from these financial institutions without properly investigating or communicating disputes to the original creditor constitutes a breach of duty. \n\nFailure to comply will be considered willful negligence and a violation of agency principles, further subjecting your institution to liability under agency law for failing to act upon direct notice from an associated party. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trust Laws All financial transactions must comply with XXXX XXXX XXXX XXXX ( XXXX ), particularly regarding the proper classification of assets, liabilities, and equity under the XXXX XXXX XXXX XXXX ( XXXX ) guidelines. \nUnder XXXX XXXX XXXXXXXX, any account receivable that has been securitized must be accounted for as a liquidated asset, which means the original obligation must be written off as paid on the ledger. \nUnder XXXX XXXX XXXXXXXX, financial instruments that are actively traded or securitized must be reported as cash equivalents, meaning the alleged debt has already been monetized and should not appear as an outstanding balance on my report. \nFailure to follow XXXX results in fraudulent accounting entries, double-booking of liabilities, and deceptive financial reporting practices. \n\nAdditionally, because a contract forms a trust, the trustee ( financial institution ) has an obligation to act in good faith and with full disclosure. The following contractual and trust laws have been violated : Restatement ( Second ) of Contracts XXXX Duty of Good Faith and Fair Dealing : The creditor had a fiduciary duty to disclose how my credit application was monetized and must now rectify any misleading financial statements. \nXXXX XXXX XXXX XXXX Duty of Loyalty : The financial institution failed to act in my best interest by not disclosing the profit generated from my financial instruments. \nXXXX XXXX XXXX XXXX Duty to Inform and Account : The institution failed to provide a full accounting of all funds received, transferred, or securitized under my name. \n\nI demand full forensic reconciliation of all transactions associated with my financial instruments. \n\nXXXX. Direct Treasury Account Deposit Demand I demand that all redeemed funds be deposited into my Treasury Direct Account for proper settlement : Treasury Direct Account Number : XXXX All associated securities, bonds, and XXXX  transactions should be accounted for and reconciled in my favor. \n\nI demand a full forensic audit and disclosure of any and all securities or financial instruments tied to my NAME or ESTATE, including : XXXX  numbers assigned to my credit transactions. \nProof of any liens, trusts, or financial vehicles where my financial standing has been leveraged. \nA clear statement of how my promissory note or original application was used in any market transactions. \n\nI demand full compliance with XXXX XXXX, XXXX, and XXXX regarding the enforcement and discharge of negotiable instruments. \n\n\nSpecific Accounts & Tradelines in Dispute I demand the immediate removal of the following derogatory items that are either inaccurate, unverifiable, or improperly reported : XXXX  XXXX XXXX ( Account # XXXX ) ** Incorrect charge-off. The account was closed by the credit grantor and falsely reported as charged off, in violation of 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), which prohibits furnishing information that is inaccurate or misleading. \nNAVY FEDERAL CREDIT UNION ( Account # XXXX ) ** Erroneous charge-off. The account was reported with a maximum delinquency of XXXX days, yet there is no signed validation of the debt per 15 U.S.C. 1666i-1. \nNAVY FEDERAL CREDIT UNION XXXX XXXX ( Account # XXXX ) ** Falsely reported as charged off with an unpaid balance despite evidence of tender of payment. This is a violation of XXXX XXXX, which states that refusal of payment results in discharge. \nXXXX XXXX XXXXXXXX XXXX XXXX  ( Account # XXXX ) ** This account was paid in full but was still reported with charge-off remarks. This is an act of malicious reporting and unjust enrichment. \nXXXX XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ) ** Account was paid as agreed, yet the negative marks remain. This is a breach of fair reporting laws under the FCRA. \nANY OTHER REMAINING DEROGATORY ENTRIES NOT ALIGNED WITH XXXX should be deleted as well, since reporting discrepancies violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. \n\nPursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I demand a full reinvestigation of these accounts and either : Immediate removal of unverifiable items within XXXX  days, or Full validation, including the original contract bearing my wet-ink signature, proof of lawful consideration, and verification that the reporting furnisher had the legal right to report these accounts. \n\nXXXX. Demand for Communication & Compliance with FCRA In accordance with 15 U.S.C. 1681i ( a ) ( XXXX ), you must provide me with a written response detailing the results of your investigation no later than XXXX  days from receipt of this notice. I require that all communications be directed exclusively to me via : Certified Mail : XXXX XXXX XXXX XXXX XXXX Email : XXXX Im currently homeless partially do to the discriminate practice of a social credit score that doesnt reflect my competency and capacity to contract fairly. \n\nFailure to adhere to these lawful instructions will constitute willful noncompliance, a violation under 15 U.S.C. 1681n & 1681o, subjecting your agency to statutory damages, punitive damages, and potential injunctive relief. \n\nI will seek {$1000.00} per violation of the FCRA, XXXX, and contractual laws breached, along with additional penalties for deceptive financial reporting practices and breaches of agency and trust law. \n\nXXXX. Legal Notice & Reservation of Rights This letter serves as prima facie evidence of my dispute and lawful demand. All rights are reserved under XXXX XXXX, and no contractual presumptions may be made against me without my explicit consent. \n\nI expect full compliance and a written response within XXXX  days. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] Non-Domestic, Without Prejudice All Rights Reserved, UCC XXXX XXXX ENFORCING REDEMPTION OF LAWFUL MONEY, MONETARY RIGHTS & XXXX XXXX XXXX XXXX Federal Laws Governing Lawful Money & Monetary Rights XXXX XXXX. XXXX Lawful Money Redemption Grants the right to demand all transactions be redeemed in lawful money rather than Federal Reserve XXXX ( XXXX  ). \nXXXX XXXX. XXXX XXXX XXXX Laws Defines what constitutes legal tender, establishing how financial institutions must recognize different forms of lawful payment. \nXXXX XXXX. XXXX XXXX from XXXX XXXX XXXX XXXX XXXX interest-bearing federal obligations from state taxation, reinforcing the obligation to account for lawful money correctly. \nXXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prevents creditors from demanding payments in gold and reinforces the need to settle obligations through credit, setoff, and discharge. \n\nXXXX. Uniform Commercial Code ( XXXX ) Negotiable Instruments & Discharge of Debt XXXX XXXX ( XXXX ) Definition of Money Reinforces that lawful money is not the same as Federal Reserve XXXX XXXX XXXX  ). \nXXXX XXXX Negotiable Instruments Recognizes promissory notes and checks as negotiable instruments, requiring proper endorsement and crediting. \nXXXX XXXX Holder in Due Course Protection Protects those who have given valuable consideration from unjust claims. \nXXXX XXXX XXXX of XXXX XXXX that when payment is tendered and refused, the obligation is discharged. \nXXXX XXXX Discharge by Cancellation or Renunciation Any financial instrument can be discharged when obligations have been satisfied. \nXXXX XXXX ( a ) ( XXXX ) Definition of Secured Party Clarifies the status of individuals with a security interest in their own promissory notes. \nXXXX XXXX Request for Accounting & Secured Party Status Gives the right to demand a full accounting of financial instruments, CUSIP numbers, and securities transactions. \n\nXXXX. XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Restatement ( Second ) of Contracts XXXX Duty of Good Faith and Fair Dealing Creditors must act honestly and fairly in their financial dealings. \nXXXX XXXX XXXX XXXX Duty of Loyalty Trustees ( banks, credit bureaus, and institutions ) must act solely in the interest of the beneficiary. \nXXXX XXXX XXXX XXXX Duty to Inform and Account XXXX trustees must provide full disclosure and accounting of transactions. \nXXXX XXXX XXXX of XXXX ( XXXX XXXX. XXXX ( a ) ) XXXX XXXX XXXX XXXX institutions must maintain accurate and transparent records. \nFair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Validation of Debts Requires written proof of any alleged debts, including the original wet-ink contract. \n\nXXXX. XXXX XXXX & XXXX Regulations ( XXXX  Compliance ) XXXX XXXX XXXXXXXX Cash Equivalents Accounting Requires proper classification of monetized promissory notes as cash assets. \nXXXX XXXX XXXX Receivables Accounting Prevents double booking of debts after securitization. \nXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial institutions to properly record asset transfers and securitization. \nSecurities XXXX of XXXX ( 15 U.S.C. 77a et seq. ) XXXX XXXX XXXX XXXX XXXX full transparency when securities are created from credit applications. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA & Privacy Laws ) 15 U.S.C. 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Credit bureaus must ensure all information is verified, accurate, and non-deceptive. \n15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ) Prohibition Against Furnishing Inaccurate Information Institutions must correct or delete false financial data. \n15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Right to Dispute and Reinvestigation Grants the right to demand an investigation into erroneous financial reporting. \n15 U.S.C. 1681n & 1681o Remedies for Willful & Negligent Violations Authorizes damages of {$1000.00} per violation. \nXXXX XXXX ( XXXX XXXX. XXXX ) Privacy Protection Requires financial institutions to safeguard personal financial data. \n\nXXXX. XXXX XXXX & Legal Remedies Restatement ( Third ) of Agency XXXX Agency Relationship Defined Establishes that credit bureaus act as agents for financial institutions. \nRestatement ( XXXX ) of XXXX XXXX Duty to XXXX XXXX Requires agents ( credit bureaus ) to relay all disputes and communications to their principals ( financial institutions ). \nXXXX XXXX ( Willful Negligence & Malicious Misrepresentation ) Holds institutions liable for economic damage caused by false financial reporting. \n\nENFORCEMENT DEMAND SUMMARY XXXX. Lawful Money Redemption All transactions must be redeemed in lawful money per 12 U.S.C. 411. \nAll redeemed funds must be deposited into XXXX  XXXX Account # XXXX. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX of payment already made ( XXXX XXXX, XXXX ). \nDebts should be written off under XXXX XXXX XXXX. \n\nXXXX. XXXX XXXX XXXX XXXX securitizations, XXXX  numbers, and trusts must be disclosed per XXXX XXXX. \nFinancial reporting must comply with the Securities XXXX of XXXX. \n\nXXXX Credit Report Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ). \nFailure to correct errors results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o. \n\nXXXX. Legal Recourse Failure to comply will result in complaints filed with the CFPB, FTC, and Attorney General. \nPotential litigation for injunctive relief, economic damages, and punitive penalties. \n\nFINAL DEMAND I, XXXX ; XXXX XXXX, demand immediate compliance with these legal obligations. I expect full correction of my credit reports, financial disclosure of my instruments, and redemption of all lawful money owed to my estate. \n\nFailure to act within XXXX  days will be considered willful negligence and a direct violation of statutory, contractual, and fiduciary obligations.","date_sent_to_company":"2025-02-27T11:01:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"12267923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-27T11:00:43.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX of <em>payment</em> already made ( XXXX XXXX, XXXX ). \nDebts should be written off under XXXX XXXX XXXX. \n\nXXXX. XXXX XXXX XXXX XXXX securitizations, XXXX  numbers, and trusts must be disclosed per XXXX XXXX. \nFinancial <em>reporting</em> must comply with the Securities XXXX of XXXX. \n\nXXXX <em>Credit</em> <em>Report</em> Dispute All inaccurate tradelines must be removed per FCRA ( 15 U.S.C. 1681i ). \nFailure to correct <em>errors</em> results in {$1000.00} per violation under 15 U.S.C. 1681n & 1681o. \n\nXXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[6.877984,"12267923"]},{"_index":"complaint-public-v1","_id":"4788100","_score":5.8814244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"on XX/XX/XXXX I submitted a complaint to CFPB regarding Experian and XXXX lack of following the LAW. This was the complaint in provided ... .On XX/XX/XXXX I submitted an identity theft report notarized through certified mail to Experian explaining that two items that were not opened by me needed to be removed from my credit report FTC report # XXXX. By law these items must be removed. Experian has no proof that these alleged items belong to me and have lacked validation or proof that would require these items stay on my credit report. By law these items must be removed. If Experian continues to report false information they are guilty of 15 US 1611 for willing and knowingly reporting false information. Experian is nothing more than an elaborate mechanism developed to obtain information without the consent of the original creditor which is myself pursuant to 12 USC 1431. Per 15 USC 6802 Experian is not even supposed to be reporting any information about me unless it's under my consent. Per 15 USC 1681 no transaction arose by my social should be included in a consumer report. The definition of identity theft is no consent, and these accounts did not have my consent and were not authorized to be opened, nor does Experian or anyone else have the right to deny me my rights provided. Experian has not investigated if these items belonged to me or not and next I will take legal matters for non-compliance on Experian 's part. This is not accurate or fair reporting according to 15 USC 1681 ( a ) and I Demand these items be removed. \n\nAfter receiving my complaint Experian responded with this generic message... ..Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information you have supplied, including 3 attachments, through the CFPB portal and directly to Experian. In your complaint, you indicate that you have fraudulent items on your credit report. You request that Experian must delete these items. According to our records, 2 of the inquiries and the address you mention are not on your current Experian report. Per your previous requests to begin reinvestigations, we have been in the process of contacting the data furnishers to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review via US Postal Service. There is nothing a credit repair company can do for you, including removing inaccurate credit information, that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. \n\nFirst off Experian I am making this complaint on my own, and for you to assume I had some repair company do this for me is discriminating. Im sorry that I know my rights and as an aware consumer I've studied and learned about FCRA, Truth in Lending and other aspects of consumer rights. You seem to have been intimidated by my knowledge and verbiage of the law. Second I provided proof of identity this time and numerous times. Why would you send me a dispute results sheet if my identity wasn't verified ( attached in this complaint ), do you just send out personal information to people who didn't verify with identification, I think not unless you like violations, so please don't lie and use stall tactics to avoid taking responsibility for your actions. So the fact that you refuse to correct information after being provided proof of inaccuracy, by lying and assuming is a violation of defamation, and willful injury at this point Per FCRA section 623 and all you are doing is building a case for me for when I sue your company because believe me, I have paper trail of all you responses and lack thereof. Don't ever assume a natural person who knows their rights, doesn't have the capability of research and educating themselves on the laws that are out here for everyone to see.You have no RIGHT to make those statements, and definitely no proof, and honestly I'm offended and my intelligence is insulted by such a comment. I assume you don't know the laws because otherwise you wouldn't have responded with that assumptive response, and as we know assumptions do not hold up in the court of law, especially from a credit reporting agency ( not Bureau ). So I tell you this, continue to break the LAW and create your own rules and we'll see how that holds up after I invoice you for the violations you committed, and prepare my documentation to take you to court for civil and criminal damages.I didn't request that Experian must delete these items. I requested you follow the LAW and By law these items must be removed which I've already provided you in my previous complaint and again for you in this response letter in case you missed it again. So unless your company thinks you're higher than law good luck with that. So this can get settled the right way or we can continue to fuel my case. I didn't write the law I just now how to follow it in such unlike your third party company.","date_sent_to_company":"2021-10-07T17:45:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"4788100","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-07T17:17:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I assume you don't know the laws because otherwise you wouldn't have responded with that assumptive response, and as we know assumptions do not hold up in the court of law, especially from a <em>credit</em> <em>reporting</em> 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