{"took":413,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4717134","_score":28.379183,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax consistently keeps lying about an investigation into an existing issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. \n\nShocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. \n\nBasically Equifax lied the whole time about how they Investigated and that is not ethical.","date_sent_to_company":"2021-09-13T22:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60099","tags":"Servicemember","has_narrative":true,"complaint_id":"4717134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-13T22:15:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Shocked that they came to this conclusion, I the consumer wanted to see their method of <em>verification</em>. The problem with their method is, they didn't <em>verify</em> it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the <em>error</em> <em>because</em> if you did in <em>fact</em> <em>verify</em> <em>through</em> the <em>Department</em> of <em>veterans</em> affairs, that balance would have been reporting accurately as XXXX}."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[28.379183,"4717134"]},{"_index":"complaint-public-v1","_id":"7333729","_score":15.378878,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I opened a bank account at a branch of Bank of the West at their downtown location. I opened a personal and business account for a business that I had that had recently received ERC checks for when I had a little over XXXX employees back in XXXX. The accounts which are ending in XXXX and XXXX were opened without any type of error or misunderstanding by either myself or the bank. I had to supply ample documentation for the business prior to being approved - in addition to my residency info for the state of California. \n\nOn XX/XX/XXXX I made a deposit into the account of {$180.00}, XXXX into the business account and was quickly told by the teller that this money would not be available until XX/XX/XXXX. I replied to the teller that I understood and would plan accordingly. \n\nOn XX/XX/XXXX I was given notice that my account was closed after coming into the branch. I was asked to wait and could overhear the other bankers discussing my account information in fine detail with anyone within earshot to my dismay. XXXX XXXX XXXX finally came over to the area where I was waiting and shuttled me over to his desk. He told me that they would be closing my account. Did not give reasoning and I was told I would know soon the resolution to this issue. I have called back on ( 5 ) separate occasions since this all took place and was told that a XXXX XXXX XXXX is the only one that can supply information to my account. \n\nWhen attempting to call she is near impossible to reach and when I called on XX/XX/XXXX I was told that my account was still open. I quickly let her know that I had received a letter saying my account was closed - which she replied, \" No, that is wrong- I see that your account is still open ''. I asked if she could please check on the status of my account and for them verifying the legitimacy of my Department of Treasury check. She said she would and would be in touch with me the following day. When I attempted to call her today on XX/XX/XXXX - I was told she was \" busy '' each time. I informed XXXX XXXX that I would be consulting the District Attorney of California and other entities that could assist with this situation. She told me that the time from the time I received notice of closure to the time of yesterday was in her words, \" too long '' hence her attempting to take action. \n\nThis money was given to me by the United States government through the Department of the Treasury because of the fact that I had suffered losses by virtue of the pandemic that had occurred throughout XXXX into XXXX. I had largely drawn back staff because of funding by the government for these types of government contracting services were winding down in the VA hospitals that I had won a government contract for. My business has been operational since XXXX and has been in charge of roughly 9 separate VA facilities throughout the United States to include Hawaii. The name of my business is XXXX XXXX XXXX XXXX XXXX. and XXXX is XXXX. My company has paid all federal monies owed to the government and had it not been for this reason - the United States government would have never given me this money. Note : All info about in not confidential info as I am a XXXX XXXX Veteran Owned Small business who has held United States government contracts and are available for review at XXXX. \n\nIn conclusion, as mentioned prior I am a XXXX XXXX Veteran Owned Small Business owner. I also served my country honorably during XXXX in the United States XXXX XXXX XXXX XXXX XXXX from the United States and XXXX XXXX from actions taken in battle for my country. I ask that you please intercede on my behalf and help in the recovery of these funds for my business. I don't believe it's right to close down a XXXX persons account and don't believe it's right to discriminate against XXXX XXXX owned small businesses or veteran owned small businesses in this country under any situation for any individual.","date_sent_to_company":"2023-08-02T02:00:08.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"95828","tags":"Servicemember","has_narrative":true,"complaint_id":"7333729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-08-02T01:53:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This money was given to me by the United States government <em>through</em> the <em>Department</em> of the Treasury <em>because</em> of the <em>fact</em> that I had suffered losses by virtue of the pandemic that had occurred throughout XXXX into XXXX. I had largely drawn back staff <em>because</em> of funding by the government for these types of government contracting services were winding down in the VA hospitals that I had won a government contract for."]},"sort":[15.378878,"7333729"]},{"_index":"complaint-public-v1","_id":"10663554","_score":14.3564825,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX my husband and i opened a joint bank account at Trustmark bank. I used a check from XXXX XXXX that had been issued to me on XX/XX/XXXX for around {$7000.00} as my deposit for the new account. When i got home i signed into my account but it read the balance as XXXX. It was XXXX but i still called XXXX and was transferred to a voicemail where i left my name and phone number and expressed the urgency in my call being returned due to this surprising error. The next day i still had not received a call back and attempted at around XXXX XXXX  to call the bank. I spoke with XXXX in the fraud department. She informed me she had put the hold on my account, she was very abrasive and insisted the check was fraudulent and it would not be deposited, and my account would be closed in the next few days, she is very insistent on this being a fraud scam but was reluctant to answer any of my questions as to why she thought it was a scam. Her first explanation was i quote \" as soon as i saw the name i put a hold on it. '' At the time i was so flustered by her beratement of accusations i did not catch her meaning. I just moved to XXXX XXXX  ( where the branch location is ) from Texas. My last name is XXXX. And that was apparently enough for her to automatically assume it was a fraudulent check. But since like i said i was still a little confused i continued to ask why she thought this check was fraudulent. She finally said that the account numbers were wrong that was not the account number for XXXX and so the check would not be cashable, That is a lie. The routing number on the check is not incorrect i called XXXX and verified the info when i first received the check in the mail because the check was issued to me from a old account concerning a previous marriage and child support that had been in arrears. Nothing that XXXX was accusing me of made any sense or had any real sustenance into why she had decided the check was fraudulent other than my last name was XXXX. I thought maybe the check had a misprint so i called XXXX XXXX  and verified all the info with them a third time. Then i called XXXX back at the fraud department only for her to tell me that nothing was going to change when they ran the check it would come back as a fake and my account would be closed. This is already the second day after i made the deposit and she still had not attempted to run the check to see if it was real or not. Nor did she bother to check XXXX routing number because i did and its the correct routing number. But it gets worse. My check went through cash has been deposited it is Friday evening ever thing would be fine except for XXXX being a bigot except XXXX went out of her way to make my account $ XXXX So even with my non fraudulent check doing exactly what its supposed to do which was open the account i have an available balance of - {$99000.00}. Because XXXX and her due diligence to not research an incoming check but instead place a ridiculous hold on a very legitimate non fraudulent person 's bank account and this person 's family. My family will not be able to access the money from the direct deposit of my XXXX XXXX Veteran XXXX that was going to be deposited into that account, nor can we explain what happened to our mortgage payment that is automatically deducted from the account with the negative XXXX XXXX dollar balance XXXX placed on my account just for having the last name XXXX. The utter stupidity of your fraud department and lack of doing any real research as to something as simple as a routing number on a check. Is beyond words but in addition to the fact its Friday and so no can help me until the fraud department returns on Monday to clear any of this up. It's so unbelievably stupid you pay these people to mess up people 's lives i don't think the magnitude of their actions really even crosses their minds. I can not even buy diapers for my XXXX XXXX XXXX XXXX  this whole weekend until Monday morning Even though my check is legitimate, and my deposit is in my account. It just is inaccessible because of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cent hold.","date_sent_to_company":"2024-11-02T07:46:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"360XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10663554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUSTMARK CORPORATION","date_received":"2024-11-02T06:45:31.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["It was XXXX but i still called XXXX and was transferred to a voicemail where i left my name and phone number and expressed the urgency in my call being returned due to this surprising <em>error</em>. The next day i still had not received a call back and attempted at around XXXX XXXX  to call the bank. I spoke with XXXX in the fraud <em>department</em>."]},"sort":[14.3564825,"10663554"]},{"_index":"complaint-public-v1","_id":"7053498","_score":13.701144,"_source":{"product":"Mortgage","complaint_what_happened":"I Closed on my home XX/XX/XXXX with a different mortgage servicer and {$3500.00} was in my escrow for taxes from XXXX XXXX to my closing date paid for by my builder. Lakeview Loan Servicing acquired my mortgage XX/XX/XXXX. After closing I applied for my homestead exemption as well as my XXXX XXXX XXXX veteran exemption both of which were granted in XXXX of XXXX retroactive to my closing date and eligibility date of XX/XX/XXXX, at which point Lakeview Loan Servicing conducted new escrow analysis. The escrow analysis came back and exempted me from property taxes for the year. Following this escrow analysis I was paid an overage disbursement of {$5000.00} on XXXX XX/XX/XXXX And my monthly note was then {$2100.00} down from the previous {$3100.00}. On XX/XX/XXXX a tax payment was made in the amount of {$1100.00} another on the XXXX for {$540.00} and another on the XXXX for {$810.00} resulting in an escrow advance of {$1100.00} and my payment in the year XXXX thus far have been paying down that advance. In XXXX of XXXX my homeowners insurance was paid in the amount of {$2900.00} resulting in an now advanced escrow balance of {$2900.00}. When the insurance was paid in XXXX of XXXX my mortgage also increased in an attempt to recoup the escrow account to {$2500.00}. I have spoken with no less than 10 different customer service agents in the last month and had my case escalated. It took almost 2 whole weeks for the case manager  from escalation to finally reach out at which point I was told that they would look into the taxes that were apparently forgotten about for the time period of XXXX that I didn't live there ( XX/XX/XXXX -XXXX XXXX ). I was just contacted today XXXX XXXX by the case XXXX again because Lakeview completed another escrow analysis and was showing me fully exempt resulting in a new payment of {$2500.00}. I tried to explain that was not the issue and I was concerned with the fact that I was rebuilding my escrow account do to their mistake. There was an error in the implementation of my exemption and due to that error in the escrow analysis Lakeview did not anticipate paying those taxes and had to pay when the bill came in. My case manager told me \" This escalated case is completed we have verified the exemptions '' which isn't even why I escalated in the first place. Finally I was told that if I disagreed with their decision I could send a certified letter to a XXXX XXXX in Virginia to the \" Office of the customer '' the escalate further. I requested to speak with a supervisor or to be transferred there directly and was told the only way to reach that department was via the XXXX XXXX XXXX I have been dealing with this issue for over a month now and have received nothing but pushback from them insisting it is my responsibility to pay for their mistake. I have attached the payment history showing the tax payments and escrow balance through the life of the loan my closing disclosure showing in Part G section 3 the amount to be used for prepaid taxes, the 2 escrow analysis I have access to as well as the tax bills for XXXX and XXXX and emails showing the first day I was contacted and the last day I was contacted.","date_sent_to_company":"2023-05-31T21:02:21.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"77571","tags":"Servicemember","has_narrative":true,"complaint_id":"7053498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2023-05-31T20:24:04.000Z","state":"TX","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":["There was an <em>error</em> in the implementation of my exemption and due to that <em>error</em> in the escrow analysis Lakeview did not anticipate paying those taxes and had to pay when the bill came in. My case manager told me \" This escalated case is completed we have <em>verified</em> the exemptions '' which isn't even why I escalated in the first place."]},"sort":[13.701144,"7053498"]},{"_index":"complaint-public-v1","_id":"3137935","_score":12.721924,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CFPB Complaint Against Fifth Third Bank Fifth Third Bank has violated Federal Laws and Regulations in their pursuit to exploit and discriminate against me as a XXXX XXXX XXXX XXXX  Veteran. Their violations have not solely been discrimination against a former service member, and now XXXX veteran, but have included many egregious abuses including fraud, predatory lending, deceptive business practices and direct violations of the following Federal Laws ( not all inclusive ) : -Fair Credit Reporting Act -Fair Debt Collection Practice -Service Member Civil Relief Act -Consumer Financial Protection Act of XXXX Evidence to Support Claim of Federal Violations : Encl 1- XX/XX/XXXX, Fifth Third Bank Hurricane Assistance Solicitation Email : Bank offers hardship helplines and options because my home was in a Nationally Declared Disaster Area because of Hurricane Matthew. \n\nEncl 2 - XX/XX/XXXX Loss Mitigation Email : Fifth Third Loss Mitigation Rep XXXX XXXX emails me a Uniform Borrower Assistance Package after convincing me I can do a loan modification. \n\nEncl 3 - XX/XX/XXXX Loss Mitigation Package : Fifth Third Bank intentionally omitted to the HUD and XXXX XXXX XXXX XXXX XXXX that on XX/XX/XXXX, I submitted a completed loss mitigation package. This omission was intentional and was an effort to avoid extending the Making Homes Affordable Act available to me as it was ending XX/XX/XXXX. \n\nEncl 4- XX/XX/XXXX Letter : Letter from Fifth Third provided ONLY in an electronic form to the Consumer Financial Protection Bureau in response to a complaint I filed, which states clearly, I was approved for a Forbearance period of non-payment for hardship between the months of XX/XX/XXXX through XX/XX/XXXX. \n\nEncl 5 - XX/XX/XXXX Letter : Letter from Fifth Third stating on page ( 2 of 3 ) that We also reviewed the information reporting to the credit reporting agencies. Because your mortgage loan was placed on a forbearance plan for XX/XX/XXXX through XX/XX/XXXX, those months should not have been reported as past due to the credit reporting agencies. Therefore, we submitted an update to all four ( 4 ) credit reporting agencies to remove the delinquency reported for those months and to reflect that those months were in current status. This statement is an outright fabrication. This can be validated in the XX/XX/XXXX XXXX  Dispute Results. \n\nEncl 6 - XX/XX/XXXX XXXX  Dispute Results : demonstrate that Fifth Third never corrected their false reporting as they alleged to the CFPB. Their false credit reporting has led to my filing Chapter XXXX bankruptcy and is a blatant form of retaliation for filing a formal discrimination complaint with HUD, and complaints with the XXXX  and CFPB. \n\nEncl 7 - XX/XX/XXXX Serving Notes & Letters : Fifth Third Bank is shown to make numerous calls during inappropriate times, both early mornings and late nights. These calls are typically more than once a day and are harassing in nature, violating the Fair Debt Collection Act. There are several notes added that demonstrate several attempts I made to update my address or to get relief as an XXXX XXXX service member and XXXX service member is a National Declared disaster area, to no avail. On a note entry made XX/XX/XXXX, Fifth Third falsified a statement that I signed the Forbearance Agreement, which never occurred. \n\nEncl XXXX - XX/XX/XXXX Letter : Letter from Fifth Third is a response to a complaint a filed with the CFPB and includes falsified and intentionally inaccurate information to mislead investigatory entities from being made aware of the illegal and corrupt actions perpetrated by Fifth Third Bank. This demonstrates a clear-cut violation of the Fair Credit Reporting Act and has caused critical financial damage to me and my family. \n\no In this letter Fifth Third states they received a hardship application on XX/XX/XXXX when in fact they received an application as early as XX/XX/XXXX ( attached A ). \n\no In this letter it mentions a VA appraiser being unable to access the interior of the property after ( 3 )  attempts. However, said appraiser could not verify her identity ( see attached B email dated XX/XX/XXXX ) and I was unwilling to compromise the safety of my tenant. This appraiser had incorrect contact information for me, and I have attached the correspondence with her as evidence of her unwillingness to provide verification as to her identity. My tenant had children, therefore allowing an unidentified stranger into my home simply because they demanded access would have been dangerous and absolutely inappropriate. Furthermore, Fifth Third bank never mentioned anything about an appraisal or a scheduled appraiser coming to inspect the home. \n\no In this letter Fifth Third reports to the CFPB that Our records do not show that we ever requested your birth certificate, and a birth certificate would not be a requirement for any hardship assistance application. This is yet another falsified statement made to mislead regulatory entities. Around XX/XX/XXXX, I was required to give my birth certificate as part of a hardship application, which I refused to do as the representative could not tell me what the purpose of the birth certificate was for. On that same day I filed a XXXX XXXX XXXX Complaint ( attached C ) against 5/3 Bank for their intrusive request for information specific ONLY to me and was contacted by a rep named XXXX XXXX, who left a voicemail ( attached D ) and I received a Letter from him as well dated XX/XX/XXXX with my correct mailing address in RI ( attached E ). No other person is required to provide a birth certificate and it is not listed as required documentation on any hardship application checklist, making it a requirement specific to me alone which is discriminatory. \n\no In a Letter dated XX/XX/XXXX, ( attached F ) Fifth Third responds to my XXXX  complaint acknowledging the birth certificate issue and further validates that I was working with the LOAN MODIFICATION DEPARTMENT ; this letter was sent to my residence in Rhode Island ( this demonstrates that 5/3 had the correct mailing address, therefore chose to send time sensitive mail such as appeal letters to non-residence intentionally so I would not receive it in time ). This single letter alone is ample evidence to prove the XX/XX/XXXX Letter signed by XXXX XXXX contained intentionally erroneous information submitted to the HUD, FRB and CFBP where she  submits lies to further damage me and my family financially. Her misconduct, false credit reporting and the predatory lending for the express purpose for foreclosure on a XXXX veteran is illegal, exploitative and outright discrimination! \n\no In a Letter dated XX/XX/XXXX, ( attached G ) Fifth Third sends back a non-approval letter to the property address I do not reside at knowingly, thusly denying me the opportunity to appeal or respond to the decision in a timely manner. This tactic is an intentional retaliatory effort because of the XXXX  complaint I filed on XX/XX/XXXX. I received a Letter on XX/XX/XXXX and XX/XX/XXXX at the correct address in Rhode Island without issue, but this very important letter went unread and I lost the opportunity to fight to save my home. It was intentional targeting because of my military status and reprisal for reporting. \n\no In XX/XX/XXXX Letter signed by XXXX XXXX she states that my loan was again placed in a forbearance period starting in XX/XX/XXXX to XX/XX/XXXX, which means those months should not have been reported delinquent on my credit report either, but they were as witness in the XX/XX/XXXX Experian Dispute Results. This is more reprisal for reporting discrimination for being a XXXX veteran. \n\no XX/XX/XXXX Experian Dispute Results : I disputed the erroneous delinquency report Fifth Third submitted against me on page ( 3 of 20 ), which records my mortgage payments 30 days late as of XX/XX/XXXX. Fifth Third knowingly submitted falsified information with the intent to commit fraud and was both willful and negligent non-compliance to the FCRA. \n\nViolation of : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.\n\nEncl 9 - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This letter was in response to a discrimination complaint filed against Fifth Third with HUD, where Fifth Third furnished dishonest information for the express purpose to misrepresent the misconduct perpetrated by its employees which has ultimately led to my financial ruin and Chapter XXXX bankruptcy. \n\nViolation of : 15 USC 1692e 9 807 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n\nFifth Third Bank knowingly and intentionally reported false and inaccurate information to all ( 4 ) credit reporting agencies for the express purpose of causing financial harm to me by stating I was delinquent in paying my mortgage beginning XX/XX/XXXX to current, as a retaliatory effort for filing a discrimination complaint with HUD. Fifth Third Bank provided a falsified statement to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, stating they submitted an update to all four credit agencies to remove the delinquency reporting for those months and to reflect those months as current. This statement is witnessed on the 5th page of the XXXX XXXX XXXX XXXX XXXX Letter and can be further verified by the attached XXXX  Dispute Results ( Report Number XXXX Dated XX/XX/XXXX ). \n\nThe damages done by Fifth Third bank are irreversible. My home is in foreclosure and my family and I are facing homelessness due to the predatory endeavors of this bank. I have been targeted because of my military status, and am suffering ceaseless retribution for reporting discrimination. I have continued to be targeted despite providing evidence of Fifth Thirds discriminatory practices and will continue to reach out to Federal Agencies for aid, as Fifth Third is disgustingly unethical in their pursuit to foreclose on my home through illegal measures. I have reported their misconduct multiple times and provided ample evidence to support my claims and believe these actions to be retaliation for reporting them to the CFPB, HUD and Federal Reserve Board. I am now a XXXX XXXX  XXXX combat Veteran of 13 years and have been financially ruined and forced to file bankruptcy because Fifth Thirds refusal to correct the erroneous negative credit report against me. I have appealed to multiple agencies who have allowed Fifth Third to continue in this criminal activity and will soon be without a place to live. \n\nSince the XX/XX/XXXX Letter from the XXXX XXXX XXXX XXXX XXXX response, I have been placed in another Forbearance period, which was also reported to the credit reporting agencies as delinquent. Additionally, I attempted to sell the house in order to pay off the loan and settle the debt with Fifth Third bank, and they hindered the sell by refusing to provide a payoff amount until the day of closing, which was XX/XX/XXXX. They intentionally sabotaged the sell of the home and I lost the contract and am facing a civil suit by the interested buyers because they were unable to purchase the home because of the malicious hindrance of Fifth Third. This type of conduct was entirely counterproductive to recouping money and demonstrates spite and retaliation for reporting discrimination in the first place. \n\nI plead for assistance in this matter so that I do not lose my home. I am a single mother and care for my own XXXX mother, and Fifth Third bank is aware of those circumstances. I reassert that I am being targeted and discriminated against by Fifth Third Bank, and am now suffering retaliation for reporting their illegal conduct. They have done irreparable damage to my family and I. I request assistance from further harassment and abuse for being a XXXX veteran and ask for immediate assistance in the cease of Fifth Thirds targeting for reporting. Surely this bank will be held accountable for their corrupt and disgusting actions in wrongful reporting and malicious discrimination of a XXXX Veteran. They have ruined our lives and I now stand to lose my VA home loan entitlements because of their greed and illegal conduct. Thank you for your time.","date_sent_to_company":"2019-01-30T22:13:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29906","tags":"Servicemember","has_narrative":true,"complaint_id":"3137935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2019-01-30T21:47:30.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["( B ) Reporting information after notice and confirmation of <em>errors</em>. A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in <em>fact</em>, inaccurate."]},"sort":[12.721924,"3137935"]},{"_index":"complaint-public-v1","_id":"20992552","_score":10.912979,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB SUPPLEMENTAL COMPLAINT Truist Bank CFPB Complaint ID : XXXX Re : Supplemental Complaint and Rebuttal to Truists XX/XX/XXXX Response Truists XX/XX/XXXX response fails to address material evidence, omits critical facts, and reflects an investigation that was neither reasonable nor complete under XXXXXX/XX/XXXXXXXX ( XXXX ) or XXXX XXXX. XXXX ( b ). \n\nKey Undisputed Fact : Truist has admitted that its notice did not indicate the loan restriction status which prevented [ the borrower ] from processing a regular payment. This complaint can be resolved administratively based on this admitted notice deficiency and the borrowers documented good-faith payment attempts. \nThe factual background, payment chronology, and deficiencies described in the borrowers XXXX and VA XXXX XXXX XXXX complaints are incorporated herein by reference. \n\nThe Core Issue : A Pattern, Not a Single Error Preliminary note : I acknowledge that prior returned ACH payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX resulted in Truist imposing a guaranteed funds restriction on my account. Truists XX/XX/XXXX response also references a letter mailed XX/XX/XXXX, regarding this restriction. The issue before the CFPB is not whether the restriction was warranted or whether a letter was mailed. The issue is whether Truist provided operationally clear instructions on how to comply with the restriction. Truists own XX/XX/XXXX response admits that its notice did not indicate the loan restriction status which prevented [ the borrower ] from processing a regular payment. If even Truists own XXXX XXXX ( XXXX XXXX ) could not resolve the issue at the branch level and had to direct the borrower to the mortgage department, the restriction was not effectively communicated to Truists own personnel let alone to the borrower. \nThis complaint involves a documented pattern of inconsistent, contradictory, and operationally deficient instructions provided by Truist across every servicing channel to a 100 % Permanent and Total XXXX Combat Veteran ( XXXX XXXX XXXX ) with XXXX VA-recognized service-connected conditions including XXXX, XXXX, and hearing XXXX : XXXX. Online Portal : Payment failed to process. No clear error or restriction notice. I informed Truist I could not complete payment online. \nXXXX. Mortgage Phone Operators ( Call XXXX ) : I called Truist. I informed the operator of my XXXX and hearing loss. I requested instructions. I followed them. The payment attempt failed. \nXXXX. Mortgage Phone Operators ( Call XXXX ) : I called again. I again informed the operator of my XXXX. I again followed their instructions. The payment attempt again failed. \nXXXX. Branch Teller ( XX/XX/XXXX ) : I went in person. I informed XXXX XXXX ( XXXX XXXX XXXX ) of my XXXX. I confirmed payment by check was acceptable. She confirmed it was. She accepted and receipted the payment. It was returned XXXX days later. \nXXXX. Teller Voicemail ( XX/XX/XXXX ) : XXXX XXXX left a voicemail confirming she accepted the payment, asking if borrower resolved the issue by phone, and directing borrower to the mortgage department at XXXX confirming branch personnel were unaware of the restriction. I have preserved this voicemail recording. A transcription is attached as Exhibit XXXX. \nXXXX. Branch Manager ( XX/XX/XXXX ) : Could not explain why the accepted payment did not post. Had to contact the mortgage department. \nXXXX. Written Notice ( XX/XX/XXXX ) : Required guaranteed funds but directed payment online, by phone, or by mail. Did not define the term or explain compliance. \nXXXX. Internal Resolution Specialist ( XXXX ) : Spoke with XXXX XXXX XXXX XXXX XXXX and Client Resolution Research XXXX. XXXX XXXX advised escalation to the VA confirming the issue could not be resolved at Truists resolution level. \n\nTruists Critical Admission Establishes Servicer-Caused Delinquency Truists own response states : The letter did not indicate the loan restriction status which prevented you from processing a regular payment. \nThis is not a minor procedural admission. It supports causation. Truist : ( XXXX ) imposed a payment restriction on my account; ( XXXX ) failed to clearly communicate that restriction; and ( XXXX ) that failure materially contributed to my inability to make a compliant payment despite multiple good-faith attempts. Despite acknowledging this deficiency, Truist did not evaluate whether its failure to provide adequate notice contributed to the reported delinquency and did not correct the reporting. \nThe reported delinquency was not the result of nonpayment. It was materially affected by Truists failure to provide clear and accurate payment instructions and its subsequent handling and return of payments made in good faith. \nThe issue is not whether a payment posted after a due date, but whether the servicers own conduct including deficient notice, inconsistent instructions, and failure to investigate identified communications materially affected the borrowers ability to make a compliant payment, rendering the reported delinquency at minimum materially misleading. \nBut for Truists failure to provide operationally clear instructions regarding the guaranteed-funds restriction, the XX/XX/XXXX payment would have been successfully completed and no delinquency would have occurred. \nTruists own conduct prevented the borrower from making a timely compliant payment, and therefore the resulting delinquency reflects a servicer-caused failure rather than a true payment default. \n\nPoint-by-Point Rebuttal to Truists XX/XX/XXXX Response The following addresses each specific deficiency in Truists response, with the applicable legal obligation identified : XXXX. FAILURE TO ADDRESS REQUESTED CALL RECORDINGS Legal obligation : XXXXXX/XX/XXXXXXXX ( XXXX ) requires a servicer to conduct a reasonable investigation of a Notice of Error and provide a written response that addresses the asserted error.\n\nMy Notice of Error expressly required Truist to preserve and review call recordings from XX/XX/XXXX XX/XX/XXXX, identify calls by date, time, and department, and provide written summaries of payment instructions given. Truists response does not reference call recordings, does not confirm whether they were retrieved, and does not provide any summary of instructions. This is a material omission because the core issue is whether I relied on instructions provided by Truists own representatives and whether those instructions were accurate. \n\nXXXX. FAILURE TO ADDRESS MY INBOUND CALLS Legal obligation : XXXXXX/XX/XXXX ( XXXX ) ; XXXX XXXX. XXXX ( b ) requires a furnisher upon dispute to review all relevant information provided. \nI contacted Truist Mortgage Phone Operators on XXXX separate occasions after I was unable to complete payment online. On each call, I informed the operator of my XXXX and requested instructions. Truists response references only outbound collection activity ( XX/XX/XXXX, XXXX ). It does not acknowledge that I called Truist, what instructions I was given, or whether those instructions were accurate. Truist substituted its own outbound collection attempts for actual investigation of the inbound communications that are central to this dispute. This omission is critical because my dispute centers on reliance on Truists own instructions. \n\nXXXX. FAILURE TO ADDRESS TELLER INTERACTION AND VOICEMAIL Legal obligation : XXXXXX/XX/XXXXXXXX ( XXXX ) ; XXXX XXXX. XXXX ( an act is deceptive when a representation misleads a consumer acting reasonably ). \nOn XX/XX/XXXX, I confirmed with XXXX XXXX ( XXXX XXXX XXXX ) that payment by personal check was acceptable. She confirmed it was. She accepted the payment and issued a receipt. On XX/XX/XXXX, XXXX XXXX left a voicemail ( Exhibit XXXX ) in which she confirmed she had accepted a mortgage payment from me, asked if I had been able to resolve anything by phone, and provided the direct number for the mortgage department as XXXX. This contemporaneous communication reflects that, immediately after accepting the payment, branch-level personnel were not able to resolve the issue and directed the borrower to the mortgage department. Notably, the number XXXX XXXX provided differs from the number on Truists XX/XX/XXXX letter ( XXXX ). Truists response does not address XXXX XXXX confirmation of the payment, her follow-up voicemail, or this phone number discrepancy. \n\nXXXX. FAILURE TO ADDRESS BRANCH MANAGER ESCALATION Legal obligation : XXXXXX/XX/XXXX XXXX ( XXXX ) requires investigation of the specific error asserted, including servicer communication failures. \nIn XX/XX/XXXX, the Branch Manager was unable to explain why the XX/XX/XXXX payment did not post despite having been accepted and receipted. She had to contact the mortgage department for clarification. Truists response does not address this escalation or the internal confusion it reveals. This is evidence that the guaranteed funds restriction was not communicated to branch-level personnel. \n\nXXXX. CONTRADICTORY AND INCOMPLETE GUARANTEED FUNDS NOTICE Legal obligation : XXXX XXXX. XXXX ( an act is unfair when it causes substantial injury not reasonably avoidable and not outweighed by countervailing benefits ) ; XXXX XXXX. XXXX ( unfair or deceptive trade practices ). \nTruists XX/XX/XXXX notice stated guaranteed funds are required due to the loan status. The same notice directed payment online, by phone, or by mail. The notice did not define guaranteed funds, did not identify acceptable payment forms ( cashiers check, money order, wire transfer, etc. ), and did not explain how paying online, by phone, or by mail would satisfy the restriction. This notice was not merely unclear it was an operationally unclear and materially incomplete instruction. The XXXX listed payment methods are standard non-guaranteed channels, yet the notice simultaneously required guaranteed funds. These instructions directly contradict each other. A reasonable consumer could not determine from this notice what action to take. The resulting harm was not reasonably avoidable because I relied on Truists own notice and representatives. Truists own response admits this notice was deficient. Truist required guaranteed funds while directing payment through channels that do not operationally accept guaranteed funds without additional instruction, rendering compliance not reasonably achievable. \nAn adequate notice would have : ( XXXX ) defined guaranteed funds ; ( XXXX ) identified which specific payment forms satisfy the restriction ( e.g., cashiers check, money order, wire transfer ) ; ( XXXX ) identified which payment channels accept those forms; and ( XXXX ) provided a specific phone number and point of contact for assistance. Truists notice did none of these. \n\nXXXX. FAILURE TO EXPLAIN ACH DEBIT AND RETURN Legal obligation : XXXX XX/XX/XXXXXXXX ( b ) ( XXXX ) ( errors relating to the payment of a periodic payment ) ; XXXX XXXX. XXXX ( XXXX ) ( investigation and response to qualified written requests and NOEs ). \nThe record shows that an ACH payment of {$2600.00} was debited from my bank account on XX/XX/XXXX, and returned by Truist on XX/XX/XXXX. My Notice of Error requested transaction detail and return information, including return codes and trace data. Truists response does not explain why the ACH was accepted and then returned, what system condition caused the return, or produce the requested return data. \n\nXXXX. FAILURE TO EXPLAIN ACCEPTANCE AND RETURN OF CHECK PAYMENT Legal obligation : XXXX XXXX. XXXX ( harm not reasonably avoidable when borrower relies on servicers own confirmation ) ; XXXXXX/XX/XXXXXXXX ( b ) ( XXXX ). \nThe XX/XX/XXXX payment of {$2700.00} was accepted at the branch, receipted by the teller, and then returned XXXX days later by disbursement check on XX/XX/XXXX. Truists response states only that the funds were not in the form of guaranteed funds. It does not address why the payment was accepted initially, why branch personnel confirmed it was acceptable, or why the branch did not know about the restriction. A payment accepted and receipted by the servicers own branch creates reasonable reliance. \n\nXXXX. XXXX CONTEXT ( SUPPLEMENTARY ) Legal context : XXXX XXXX. XXXX ;XX/XX/XXXX XXXX ( XXXX ). This section provides supplementary context for the primary RESPA, FCRA, and UDAAP claims above. It is not asserted as the central legal theory. \nMy Notice of Error stated that I am a 100 % Permanent and Total XXXX veteran with XXXX, XXXX, and hearing loss requiring VA-issuedXX/XX/XXXXXXXX. It expressly invoked XXXX XXXX. XXXX and requested reasonable accommodation including clear written payment instructions and written summaries of telephone guidance. I informed Truist of my XXXX on every interaction : XXXX phone calls, with XXXX XXXX, in person with the teller, and in person with the Branch Manager. Truists response does not acknowledge the accommodation request, does not reference my XXXX, and relies on unanswered telephone calls as evidence of adequate communication to a veteran with documented hearing loss. Truist did not acknowledge or respond to the accommodation request despite being informed of hearing-related limitations on every interaction. \n\nXXXX. CONCLUSORY DENIAL WITHOUT CAUSATION ANALYSIS Legal obligation : 15 U.S.C. XXXX ( b ) ( furnisher must conduct a reasonable investigation and review all relevant information ) ; XXXX XX/XX/XXXXXXXX ( reasonable policies to ensure accuracy and integrity of furnished information ). \nTruists response states : Our review indicates that our reporting to the credit agencies has been accurate ; therefore, an update is not warranted. This statement is conclusory. It relies solely on payment posting dates without evaluating whether Truists own instructions contributed to the payment failure, whether inconsistent guidance across channels prevented timely payment, or whether the reported delinquency was servicer-caused and therefore materially misleading under 15 U.S.C. XXXX ( a ). A reasonable investigation under the FCRA requires review of all relevant information not merely a payment ledger. \n\nComplete Escalation Chain Every internal remedy was exhausted : front-line operators branch ( XXXXXX/XX/XXXXXXXX branch manager written notice Notice of Error Client Resolution Research XXXX ( XXXX XXXX XXXX XXXX XXXX, who advised escalation to the VA ) CFPB complaint this supplemental complaint. Despite reaching Truists Officer-level resolution staff, the issue was not resolved internally. \n\nXXXX and Communication Failure I informed Truist of my XXXX on every single interaction : on XXXX phone calls to Mortgage Phone Operators, with Client Advocacy, in person with XXXX XXXX ( XXXX XXXX XXXX ), and in person with the Branch Manager. Each time I explained I have hearing loss requiring XX/XX/XXXXXXXX, XXXX, and XXXX, and that I need clear, consistent instructions. \nTruists reliance on unanswered collection calls ( XX/XX/XXXX, XXXX ) as evidence of adequate communication to a veteran with documented hearing loss is inappropriate and raises concerns under XXXX XXXX. XXXX and XXXX XXXX. XXXX. \n\nFederal and State Laws Implicated by Truists Conduct Applicable case law standard ( XXXX XXXX ) : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX held that when a furnisher does not already possess evidence establishing that disputed information is true, the FCRA requires the furnisher to seek out and obtain evidence before reporting the information as verified. In XXXX v. XXXX University, XXXX XXXX XXXX ( XXXX XX/XX/XXXX XXXX ), the XXXX XXXX held that technically correct information XXXX nonetheless be inaccurate under the FCRA if, through omission, it creates a materially misleading impression. Truists reporting of a XXXXday delinquency without context omitting its own admitted notice deficiency, its inconsistent instructions, and the borrowers multiple good-faith payment attempts creates precisely such a materially misleading impression. \nDistinguishing adverse precedent : In XXXX v. XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX held that delinquency reporting was accurate where the borrower was making reduced forbearance payments below the contractual amount. That case is distinguishable because the borrower in XXXX was informed of and understood the forbearance terms. Here, the borrower was not informed of how to comply with the guaranteed funds restriction Truist admits this. Additionally, courts that have upheld delinquency reporting have done so where the borrower failed to follow clear payment instructions. Here, the instructions were not clear they were contradictory and operationally incomplete, and Truists own branch employee could not resolve the issue. \n\nXXXX XXXX. XXXX ( XXXX ) ; XXXXXX/XX/XXXXXXXX ( RESPA ) : Inadequate investigation of Notice of Error. Failed to address inbound calls, branch interactions, voicemail, or XXXX. \n15 U.S.C. XXXX ( a ) and ( b ) ( FCRA ) : Furnishing information the furnisher has reasonable cause to believe is inaccurate. Conclusory investigation without meaningful review of disputed facts. \nXXXX XXXX. Part XXXX, Regulation XXXX : Failure to maintain reasonable policies to ensure accuracy and integrity of furnished information. \nXXXX XXXX. XXXX ( XXXX ) : Deceptive notice ; harm not reasonably avoidable ; substantial injury. \nXXXX XXXX. XXXX ( XXXX supplementary ) : Failure to respond to formal accommodation request. Supporting context for primary claims. \nXXXX XXXX. XXXX ( XX/XX/XXXX ) : Unfair and deceptive trade practices. \nXXXX XXXX. XXXX : Communication of information regarding indebtedness known to be misleading. \n\nDocumented Harm Credit score damage : On XX/XX/XXXX before the delinquency was reported my credit scores were :XX/XX/XXXX XXXX ( Good ),XX/XX/XXXXXXXX,XX/XX/XXXXXXXX. As of XX/XX/XXXX, my XX/XX/XXXXFICO Score XXXX has dropped to XXXX ( Fair ) a XXXX decline closely associated in time with the reported XXXXday delinquency. Screenshots documenting both pre-incident and post-incident scores are attached as Exhibit XXXX. \nLivelihood impact : I am a Service-Disabled Veteran-Owned Small Business ( XXXX ) owner registered with SAM.gov. Government contracts in my target range require surety bonding, and bonding underwriters evaluate personal credit as a primary factor in determining bonding capacity and premium rates. The XXXX credit score decline from XXXX ( Good ) to XXXX ( Fair ) has materially impaired my ability to pursue government contracts requiring bonding. I have been deterred from submitting bonding applications for contracts I would otherwise pursue because the current score creates a material risk of denial or less favorable underwriting terms. This directly affects my livelihood. My business operations are supported by attached documentation confirming active Florida XXXX registration and federal XX/XX/XXXXcertification ( Exhibits XXXX and XXXX ). \n\nAdditional Context Regarding Communication Limitations : Due to my service-connected XXXX and XXXX XXXX XXXX ( TBI ) , I am prescribed and take multiple daily medications as part of my ongoing VA treatment. The VAs own XX/XX/XXXX Rating Decision assessed my XXXX as causing occupational and social impairment with reduced reliability and productivity including mild memory loss, such as forgetting names, directions or recent events and difficulty in establishing and maintaining effective work and social relationships. These documented cognitive effects, in combination with medication side effects and documented hearing loss requiring VA-issuedXX/XX/XXXXXXXX ( subsequently diagnosed by VA audiology with tinnitus and mild bilateral hearing loss, for whichXX/XX/XXXXXXXX were prescribed ), increase my reliance on clear, consistent, and unambiguous communication when managing financial obligations. \nOngoing Treatment and Documentation : I am under continuous medical treatment for my service-connected XXXX, anxiety, and XXXX XXXX XXXX ( XX/XX/XXXX ), which includes multiple prescribed daily medications for XXXX, XXXX, anxiety, pain, and related conditions. Documentation of this treatment can be provided if necessary as this matter proceeds. \n\n\nConclusion Taken together, the documented servicing failures, admitted notice deficiency, incomplete investigation, and resulting measurable credit and business harm demonstrate a servicer-driven breakdown that has produced materially misleading reporting requiring correction. \n\nNotice of Intent If Truist does not correct the inaccurate reporting within XX/XX/XXXX days, I intend to pursue all available remedies including private action under 15 U.S.C. XXXX and XXXX ( FCRA ), XXXX XXXX. XXXX ( f ) ( RESPA ), XXXX XXXX. XXXX ( XXXX ), and XXXX XXXX. XXXX ( XX/XX/XXXX ) in the United States District Court, XXXX XXXX of Florida, XXXX XX/XX/XXXX \n\nRespectfully submitted, XXXX XXXX XXXX 100 % VA XXXX and Total XXXX Veteran","date_sent_to_company":"2026-04-06T23:22:14.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"32092","tags":"Servicemember","has_narrative":true,"complaint_id":"20992552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-04-06T21:01:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["FAILURE TO ADDRESS REQUESTED CALL RECORDINGS Legal obligation : XXXXXX/XX/XXXXXXXX ( XXXX ) requires a servicer to conduct a reasonable investigation of a Notice of <em>Error</em> and provide a written response that addresses the asserted <em>error</em>.\n\nMy Notice of <em>Error</em> expressly required Truist to preserve and review call recordings from XX/XX/XXXX XX/XX/XXXX, identify calls by date, time, and <em>department</em>, and provide written summaries of payment instructions given."]},"sort":[10.912979,"20992552"]},{"_index":"complaint-public-v1","_id":"8557210","_score":10.170796,"_source":{"product":"Mortgage","complaint_what_happened":"During the process of applying for a home loan mortgage assumption through Navy Federal Credit Union ( NFCU ), I encountered the following issues with NFCU and its representatives ( namely, XXXX XXXX, a Collateral Risk Examiner II within the XXXX XXXX Operation Support office XXXX XXXX XXXX XXXXXXXX ) ) : XXXX lied about the expected length of time from application to closing at multiple points throughout the process ; XXXX and her colleagues within her office misrepresented what was required to close and where in the approval process I was ; XXXX did not communicate in a timely manner especially when it was clear that she was missing deadlines required in order for myself and my partner to close on the house that we were purchasing. She also ignored requests to confirm receipt of emails. \nOn numerous occasions across multiple days, XXXX lied about requesting for my application to be expedited and when pushed would consistently claim to have put the request in that day. \nAt multiple stages in the assumption process, XXXX would misrepresent what the NFCU requirements were. For example, she would insist only one type of document was required ( such as an email confirming my rental status from my landlord ) only to then retract her guidance to request a different version of the document. \nBetween XXXX and the NFCU Underwriting Department, they requested documents that my bank ( XXXX XXXX ) does not provide ( such as day-to-day end-of-day statements for my brokerage account ). \nAdditionally, they ( XXXX and the Underwriting Department ) required documents from my partner ( such as her banking statements ) only to then refuse her direct participation in the home purchase per internal NFCU rules ( not in accordance with Veteran Administration requirements ), meaning that NFCU received sensitive documents that they did not require. \nIn the week leading up to our closing and the required clear to close window, XXXX told us every day that our application would be fully reviewed and approved the next day. \nDue to lengthy delays in the closing process, XXXX would request expedited documents via email, meaning sensitive documents were sent via a non-secured method instead of the dedicated NFCU secure portal. \n\nUltimately, NFCU caused us to miss our initial financial contingency deadline in the sales contract despite assuring us that the deadline would be met. We then had to delay the date of the closing from XX/XX/XXXX to XX/XX/XXXX through multiple amended sales contracts as NFCU could not clearly communicate where I was in the process. This caused my partner to miss multiple workdays. Additionally, my partner had already given notice at her apartment because for a month, NFCU had indicated our original sales contract date was fine. This forced us to absorb hundreds of dollars in additional costs as we had to pay for storage for her belongings as well as renting moving equipment and paying movers. \n\nFor the detailed explanation see below : On XX/XX/XXXX, I applied for a mortgage assumption through NFCU. The immediate response on XX/XX/XXXX said that an examiner would be assigned within seven business days and would schedule a phone application appointment. On XX/XX/XXXX, I was connected with XXXX XXXX, a Collateral Risk Examiner II within the XXXXXXXX XXXX Operation Support office ( XXXX XXXX XXXXXXXX ), and we had our initial phone application appointment. \n\nDuring this appointment, XXXX confirmed that I had submitted all of the required paperwork to begin processing the assumption. I also specifically asked her if the purchase contracts closing date of XX/XX/XXXX, was doable given that previously, a NFCU representative had told my realtor on the phone that it could take up to 45 days. XXXX assured me that the 45-day timeframe was inaccurate, and that the process began the day that my submitted application was acknowledged, and that XX/XX/XXXX was doable and there was no need to amend the sales contract. Finally, she also said that meeting the financing contingency date of XX/XX/XXXX would be no issue for NFCU. \n\nOver the course of the next few weeks, XXXX assured me that everything was running smoothly via near bi-weekly check-ins, including on XX/XX/XXXX. However, there were miscommunications about how the down payment for the house could be provided as XXXX stated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my partner could provide the funds directly despite not being on the assumption application as would be joint tenants on the houses deed. \n\nHowever, on XX/XX/XXXX, XXXX said that NFCU would not be able to clear the financing contingency as their policies actually required that my partner deposit her share of the down payment in my bank account and not send it directly to the title company ( despite my partner having previously paid the earnest money deposit from her account ). XXXX then confirmed though on XX/XX/XXXX in writing to both myself and my realtor that we would still be able to close on XX/XX/XXXX. \n\nHowever, on XX/XX/XXXX, for the first time, XXXX indicated that we may not be able to close by XX/XX/XXXX. I then requested to be connected to XXXX supervisor as it was in the afternoon on the XXXX that she for the first time said we would not be able to close on XX/XX/XXXX. This request was initially ignored and then denied. When I insisted, I was told a supervisor would contact me within 24 hours. Instead, I was contacted by another non-supervisory employee who gave me further incorrect information on XX/XX/XXXX. Eventually, XXXX supervisor, XXXX XXXX became available on XX/XX/XXXX, but only after our initial closing date had been missed as the Clear to Close would have had to be issued by XX/XX/XXXX. It was only on XX/XX/XXXX that XXXX admitted that we would not close on XX/XX/XXXX and it was then for the first time that I was told directly that NFCUs timelines for an assumption application is 45 days and that XXXX had been in the wrong the entire time for telling us anything short of that timeframe would work. \n\nDuring the final week preceding the new target closing date XXXX and the Underwriting department made serial errors in requesting documents that either could not be provided, were out of the scope of the underwriting process, or were not in fact suitable. Of particular concern was the request for landlord verification letters. Initially, on XX/XX/XXXX, XXXX told me these would not be required after I specifically asked. Later, on XX/XX/XXXX, I was told that an email from both my current and previous landlord was required and that emails could be sent to me and forward to XXXX. These were sent to me and forwarded directly to XXXX that day. On XX/XX/XXXX she then told me that these were no longer acceptable and Navy Fed required the landlords directly email filled PDFs to XXXX, further delaying this process and inconveniencing my current and former landlord during their workdays with a last minute, redundant, request. \n\nIn addition, during and after the occasion of the above issues, XXXX repeatedly blamed other departments and claimed there is no cooperation and minimal communication available to manage the loan application process. In particular, she highlighted the Underwriting Department as a problem and accused the underwriter assigned to my application of going on a powertrip. XXXX also said that the underwriter was requesting excessive documents as a form of retaliation for her attempts to expedite the process following our missed closing date. Furthermore, according to the loan officer, this underwriter refused to approve the loan despite all the requested documentation until multiple supervisors had contacted the underwriting supervisor, who then directly intervened and personally inspected and approved the provided documentation the morning of our rescheduled closing ( XX/XX/XXXX ), one week after I had been conditionally approved ( XX/XX/XXXX ). Per our loan officer the typical delay between conditional approval and final approval was 2.5 days, again supported by her insistence on Thursday, XX/XX/XXXX, that we would be cleared to close on Monday, XX/XX/XXXX. \n\nFor the duration of our contact with NFCU through this assumption process, there was no sense of professionalism and XXXX recognition of the burdens ( both financial and emotional ) that NFCU 's mistakes caused myself and my partner as well as the sellers and both sets of realtors to endure. After the many delays and significant efforts expended to meet my initial closing, and then following that failure the effort to meet the updated closing, my eventual closing occurred on XX/XX/XXXX, one business day before the 45 day mark from our XX/XX/XXXX initial approval, and 50 days from our initial application on XX/XX/XXXX. \n\nFinally, during this application we were also misled by a separate loan officer, XXXX XXXX ( XXXX # XXXX ) on XX/XX/XXXX, as to the process for applying to secure a mortgage assumption through Navy Fed, leading to a redundant credit check that dropped my credit rating, and delayed the start of the actual assumption process unnecessarily. Although this was not the fault of the assumptions department, it highlights Navy Feds lack of professionalism, dearth of basic institutional knowledge, and absence of policies focused on security, preventing redundancy, and providing actual services for clients, as well as a culture that is either unwilling or unable to communicate. \n\nThis is further evidenced by the delay in creating an accessible mortgage account available through the Navy Fed banking portal, which is still inaccessible as of XX/XX/XXXX, despite closing on the assumption on XX/XX/XXXX. Upon calling NFCU customer service on XX/XX/XXXX, I was told that they had no way of knowing when it would be created, and was told to call back on XX/XX/XXXX when the assumptions department is open. I did so and once the customer service representative reached out directly to the assumptions department, I was told not to expect access to my mortgage account until XX/XX/XXXX, delaying any attempts to set up payments for the mortgage, and again highlighting the lack of transparency, accountability, and communication that seem to define the mortgage assumption process at NFCU.","date_sent_to_company":"2024-03-15T21:39:59.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"20011","tags":"Servicemember","has_narrative":true,"complaint_id":"8557210","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-15T21:15:19.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Delays in the application process"},"highlight":{"complaint_what_happened":["During the final week preceding the new target closing date XXXX and the Underwriting <em>department</em> made serial <em>errors</em> in requesting documents that either could not be provided, were out of the scope of the underwriting process, or were not in <em>fact</em> suitable. Of particular concern was the request for landlord <em>verification</em> letters. Initially, on XX/XX/XXXX, XXXX told me these would not be required after I specifically asked."]},"sort":[10.170796,"8557210"]},{"_index":"complaint-public-v1","_id":"4324310","_score":9.996463,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a VA Loan with XXXX XXXX XXXX , XXXX under the above referenced loan number and address. I am under a Loan Forbearance due to COVID through XX/XX/XXXX. Per documentation received, I was advised that I did not need to make payments during the forbearance period but would need to re-start making payments, beginning with the XX/XX/XXXX due date. I was further advised that I would need to make all Trial Period payments for three ( 3 ) months, XXXX, XXXX and XXXX to be eligible for a Loan Modification. Per the correspondence from XXXX XXXX XXXX , XXXX, I am eligible for a Permanent Loan Modification under the United States Department of Veterans Affairs Modification Program with XXXX XXXX XXXX , XXXX. This document, as provided, requires that I need to make my payments during this trial period before the end of each month in which the payment is scheduled to be made. \n\nThe online payment history for my account at XXXX XXXX XXXX , XXXX verifies that the XXXX and XXXX payments were made by month end and I will make XXXX payment by the end of this month, per the agreement. I have an account with Experian XXXX XXXX and was shocked to see that my credit score dropped significantly because XXXX XXXX XXXX , XXXX reported my XXXX payment as over sixty ( 60 ) days late AND that no XXXX payment was made and under violation of the CARES Act. \n\nCurrent reporting on my Experian Credit Reporting page : Account Current XXXX XXXX  XXXX has reported Positive Activity : Account Current. \nFinancial XXXX XXXX, XXXX What happened? \nWell done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. \nSource : Experian Company : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Previous Status : LATE Current Status : ACCOUNT CURRENT Balance : {$140000.00} What now? \nIf you haven't already, try instantly raising your FICO Score for free with Experian XXXX. \nTry Experian XXXX You are receiving this alert because your membership includes Experian XXXX XXXX XXXX XXXX. \n\nAs reported on my Experian Account Page : Score Decrease Your XXXX  Score has decreased by 34 points. \nFinancial ( This was due to a report of a payment 60 days past due with XXXX XXXX XXXX , XXXX ) XXXX XXXX, XXXX Experian took this action in violation of the CARES Act and they are aware of my forbearance status yet unwilling to rectify their illegal reporting, XXXX XXXX  XXXX {$140000.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeVa Real Estate Loan Paid Off : 23 % Balance on XX/XX/XXXXLoan Amount {$140000.00} {$180000.00} Payment Info StatusCurrent, was past due 60 days Status dateXX/XX/XXXX Past due amount- Original loan amount {$180000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX-60 -- -- -- -- - XXXX -- -- -- - On Time 60Days Late -Data Unavailable I have submitted all the information above to XXXX 's Consumer Research Dept. via fax. They confirm that I am under forbearance yet are unwilling to rectify the situation which is clearly a violation of the Law under the CARES Act.\n\nCongress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.\n\nThe Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.\n\nThe Bureau remains committed to vigorously enforcing\nall consumer financial protection laws under its jurisdiction, including the FCRA. As noted in the Bureaus Statement, the Bureau will consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with statutory and regulatory obligations as soon as possible. The Bureau will, however, not hesitate to take public enforcement action when appropriate against companies or individuals that violate the FCRA or any other law under its jurisdiction. \n\nXXXX XXXX  XXXX violated the Law under the Cares Act by reporting my payments as delinquent and later changed their report to my account being current. Experian violated the Law under the Cares Act and downgraded my rating based upon the reporting of delinquencies that are disallowed under the Cares Act.\n\nI have contacted both groups and while they recognize the facts and the Law under the CARES Act, both refuse to correct this error. \n\nI am asking for enforcement of the CARES Act and that appropriate action be taken against XXXX XXXX XXXX , XXXX and Experian.","date_sent_to_company":"2021-04-23T14:21:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"044XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4324310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-23T13:08:45.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I have contacted both groups and while they recognize the <em>facts</em> and the Law under the CARES Act, both refuse to correct this <em>error</em>. \n\nI am asking for enforcement of the CARES Act and that appropriate action be taken against XXXX XXXX XXXX , XXXX and Experian."]},"sort":[9.996463,"4324310"]},{"_index":"complaint-public-v1","_id":"4324423","_score":9.976473,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a VA Loan with Carrington Mortgage Services , LLC under the above referenced loan number and address. I am under a Loan Forbearance due to COVID through XX/XX/XXXX. Per documentation received, I was advised that I did not need to make payments during the forbearance period but would need to re-start making payments, beginning with the XX/XX/XXXX due date. I was further advised that I would need to make all Trial Period payments for three ( 3 ) months, XXXX, XXXX and XXXX to be eligible for a Loan Modification. Per the correspondence from Carrington Mortgage Services , LLC, I am eligible for a Permanent Loan Modification under the United States Department of Veterans Affairs Modification Program with Carrington Mortgage Services , LLC . This document, as provided, requires that I need to make my payments during this trial period before the end of each month in which the payment is scheduled to be made. \n\nThe online payment history for my account at Carrington Mortgage Services , LLC verifies that the XXXX and XXXX payments were made by month end and I will make XXXX payment by the end of this month, per the agreement. I have an account with XXXX XXXX XXXX and was shocked to see that my credit score dropped significantly because Carrington Mortgage Services , LLC reported my XXXX payment as over sixty ( 60 ) days late AND that no XXXX payment was made and under violation of the CARES Act. \n\nCurrent reporting on my XXXX Credit Reporting page : Account Current CARRINGTON MORTGAGE SE has reported Positive Activity : Account Current. \nFinancial XXXX XXXX, XXXX What happened? \nWell done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. \nSource : XXXX Company : CARRINGTON MORTGAGE XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Previous Status : LATE Current Status : ACCOUNT CURRENT Balance : {$140000.00} What now? \nIf you haven't already, try instantly raising your FICO Score for free with XXXX XXXX \nTry XXXXXXXX XXXX You are receiving this alert because your membership includes XXXX credit monitoring & alerts. \n\nAs reported on my XXXX Account Page : Score Decrease Your FICO Score has decreased by XXXX points. \nFinancial  ( This was due to a report of a payment 60 days past due with Carrington Mortgage Services , LLC XXXX XXXX XXXX, XXXXXXXX XXXX took this action in violation of the CARES Act and they are aware of my forbearance status yet unwilling to rectify their illegal reporting, CARRINGTON MORTGAGE SE {XXXX} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account XXXX Account statusOpen Date openedXXXX  XXXX, XXXX Account typeVa Real Estate Loan  Paid Off : 23 % Balance on XX/XX/XXXX, XXXXLoan Amount {XXXX} {XXXX} Payment Info StatusCurrent, was past due 60 days Status dateMar XXXX Past due amount- Original loan amount {XXXX} Monthly payment {XXXX Late payments XX/XX/XXXX XXXX XXXX -- -- -- -- - XXXX -- -- -- - On Time 60Days Late -Data Unavailable I have submitted all the information above to Carrington 's Consumer Research Dept. via fax. They confirm that I am under forbearance yet are unwilling to rectify the situation which is clearly a violation of the Law under the CARES Act. \n\nCongress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. \nThe Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. \n\nThe Bureau remains committed to vigorously enforcing all consumer financial protection laws under its jurisdiction, including the FCRA. As noted in the Bureaus Statement, the Bureau will consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with statutory and regulatory obligations as soon as possible. The Bureau will, however, not hesitate to take public enforcement action when appropriate against companies or individuals that violate the FCRA or any other law under its jurisdiction. \n\nCarrington Mortgage Services violated the Law under the Cares Act by reporting my payments as delinquent and later changed their report to my account being current. XXXX violated the Law under the Cares Act and downgraded my rating based upon the reporting of delinquencies that are disallowed under the Cares Act. \nI have contacted both groups and while they recognize the facts and the Law under the CARES Act, both refuse to correct this error. \n\nI am asking for enforcement of the CARES Act and that appropriate action be taken against Carrington Mortgage Services , LLC and XXXX","date_sent_to_company":"2021-04-23T14:22:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"044XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4324423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2021-04-23T14:22:04.000Z","state":"ME","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I have contacted both groups and while they recognize the <em>facts</em> and the Law under the CARES Act, both refuse to correct this <em>error</em>. \n\nI am asking for enforcement of the CARES Act and that appropriate action be taken against Carrington Mortgage Services , LLC and XXXX"]},"sort":[9.976473,"4324423"]},{"_index":"complaint-public-v1","_id":"4166437","_score":7.6781178,"_source":{"product":"Mortgage","complaint_what_happened":"This statement has all the information I can provide without adding personal identifiable information. I do have all of the emails mentioned on file. \nXX/XX/XXXX I applied for a mortgage loan through Navy Federal Credit Union in the amount of {$300000.00}. Per the preapproval letter I received I was preapproved for {$300000.00}. I later received an email from XXXX XXXX Mortgage Loan Officer | NMLS # XXXX stating she just wanted to reach out and introduce herself as the Loan Officer assigned to my mortgage loan application. She stated that she had reviewed my file and based off of the information that has been provided, I was currently pre-approved contingent upon sufficient funds to close & sufficient assets for reserves. My pre-approval was sent to my online document portal for my use. She went further to state that she would still like to review my mortgage loan application to ensure that she had all of the correct information and answer any questions that I may have. She mentioned that she would be out of the office until XX/XX/XXXX, but her back up would be monitoring her emails. If I was to respond to her email, I would also get an automatic response with her back ups contact information. I did respond to her email so that I would have her point of contacts information which was XXXX XXXX Mortgage Support Assistant | NMLS # XXXX because I did have questions. Nonetheless, with that preapproval, my family and I set out to put an offer on a home. \nXX/XX/XXXX I received an email from XXXX XXXX Mortgage Processor | NMLS : XXXX, stating she was assigned as the Mortgage Processor on my loan. Her email had a series of questions that I needed to answer and a listing of items I needed to produce. All the requested information was uploaded via XXXX within 24 hours. \nXX/XX/XXXX Mrs. XXXX sent me an email stating that if I wanted to move forward with purchasing a home she would need to withdraw my application an have another one opened up because if I was choosing to go with a VA loan, she would have to add my spouse to the application but if I wanted to do a conventional loan my spouse did not have to be on the application. This is because per her words \" Louisiana, is something called a Community Property State, in which the VA requires a spouse to be on the application as well ''. I asked her what if my husband did not meet their credit score requirement and if she needed to run my credit again, she told me she only needed to run his credit and then advised that my application would be disapproved if he did not have the proper credit score. Moving on, my husband was added to the new application and new preapproval letter was sent to me dated XX/XX/XXXX in the amount of {$270000.00} because we made an offer on a house that cost less than the previous preapproval. Additionally, the closing date assigned was XX/XX/XXXX. \nXX/XX/XXXX Mrs. XXXX sent me an email asking if my husband had any type of income and how much he paid for child support and that she added him to my file and she gave me his credit score. I responded to her email within a couple hours and let her know that I was standing by for any additional requirements. She later sent an email to verify she had his military retirement pay and XXXX pay correct and at what frequency. I responded to that email as well within the hour. \nBetween XX/XX/XXXX through XX/XX/XXXX I had not received a response from Mrs. XXXX although I had been emailing and calling to verify the status of the loan and to ensure there were no more requirements needed of me. I finally reached out to Mrs. XXXX, who was assisting Mrs. XXXX with her clients while she was on leave, to ask for assistance. Mrs. XXXX advised me to send an email to Mrs. XXXX and cc her supervisor XXXX XXXX to the email. I received an immediate response from Mrs. XXXX after that email. \nXX/XX/XXXX I received a call and email from XXXX XXXX Mortgage Processor | NMLS : XXXX, introducing herself, outlining the upcoming process and requesting more information to process the loan. Her email included a copy of my XX/XX/XXXX LES, she stated that the LES provided in XX/XX/XXXX needed to be updated. All documentation requested from her was uploaded via XXXX the same day. \nXX/XX/XXXX I sent an email to Mrs. XXXX requesting confirmation that she did receive the uploaded documents and to also question the target completion date she listed in her initial email as it was listed as XX/XX/XXXX. \nXX/XX/XXXX Mrs. XXXX responded stating that she would be reviewing the documentation I submitted that day and she would let you know if anything addition is needed. And that the actual target completion date is XX/XX/XXXX. \nXX/XX/XXXX I received a Navy Federal Credit Union notification that my appraisal was approved. I was not aware that the appraisal had even been scheduled but was grateful that it was approved. I reached out to Mrs. XXXX for more information and to find out what the next steps were. \nXX/XX/XXXX I received notification that I needed to upload my husbands Retiree Account Statement for proof of his retirement pay, which was an item I had uploaded over a month ago. \nAfter months of going back and forth with the Navy Federal Mortgage Team assigned to me ( some who introduced themselves and some I had no idea existed ) XX/XX/XXXX I was informed by XXXX XXXX Title Loan Processor II | NMLS # XXXX, that there was an issue with my loan and approval was in jeopardy. She stated that according to the underwriting dept ( no particular person was named ) the ETS on my LES was listed as XX/XX/XXXX and she asked if there was something I could submit stating that I was on contract longer than XX/XX/XXXX. I told her I have an extension that takes my contract to XX/XX/XXXX. She asked me to send that information and I did that right away along with some other documentation she requested. \nXXXX XX/XX/XXXX ( 2 days before the closing date ), Mrs. XXXX called to inform me that per the underwriting department my loan could not be approved because there was an oversight and I needed to have a contract that carries me at least 12 months pass the closing date. I reminded her that I have provided since XX/XX/XXXX, all of the information required to include my LES as well as notified both Mrs. XXXX and Mrs. XXXX that I retire after 20 years of service on XX/XX/XXXX during phone calls and that has not one time been an issue. Mrs. XXXX apologized and that she would forward all of this information to a supervisor. Later that afternoon, XXXX XXXX Mortgage Production Supervisor XXXX NMLS # XXXX, called me to discuss the pending issue. I provided all the same information as outlined in this complaint. She too, expressed her apologies, was very empathetic and stated that she would do all she could to assist. She also informed me that I would have a new Loan Officer XXXX XXXX NMLS # XXXX and between the two of them they would attempt to find a solution that would work best for me even if that meant putting me under a different type of loan. She also asked me for information regarding my student loans and items that were listed on my XXXX under allotments that were never questioned. Later that day Mrs. XXXX called me to introduce herself and discuss with me other loan options. She stated that converting me to a conventional loan would be my best option at this point because they would not be required to ensure that I had income coming in pass the closing date as is required with a VA Loan. At the end of the discussion, I was told that I would be moved to a Navy Federal Conventional Loan under their Military Choice option and a waiver request would be submitted to have the interest rate be 2.5 % as I was initially approved for vice 5 % as listed under that particular loan type. Later that day the waiver request was approved and the interest rate was locked at 2.5 %. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX requesting a status of the loan since the closing date was the next day. She responded that, as promised, the appraisal report was converted to conventional and my file was sent back in for final review/clear to close as a conventional loan. \nXXXX XX/XX/XXXX, I reached out to both Mrs. XXXX and Mrs. XXXX via phone and email for a status of us being cleared to close. Mrs. XXXX responded with unfortunately no official decision had been made yet. She stated that Underwriting would not clear it that afternoon knowing your income is ending in < 2 months from closing. She stated that she had escalated this to senior management and they have escalated it higher and that they were doing everything they can to get an exception approved due to Navy Federal 's initial error and oversight. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX again for a status via email. She responded and stated that, unfortunately they were still waiting on a response. Underwriting had requested a few more items be adjusted and notated for their final review/decision as they could not overlook the fact that the retirement information was already divulged. She also mentioned that a supervisor was resubmitting the file as she typed the message out to me. \nXXXX XX/XX/XXXX, XXXX XXXX Supervisor Mortgage Loan Ops | NMLS # XXXX, called to tell me that the loan would not be approved. At this time she wanted to discuss with me that it was not just because I was retiring in XXXX ( which was the entire issue up to this point ) but there were other mitigating factors as well. I responded to her that I was not willing to hear any of that because nothing else besides my upcoming retirement date has been an issue nor has anything else been discussed with me. This was a way for Navy Federal Credit Union to cover themselves from this oversight and to give a better reason for disapproving the mortgage loan. She stated that, what she wanted to discuss was not that but she wanted to ensure the real reasons I was being disapproved. \nAt that time I told her that I intended to file a formal complaint against Navy Federal for their oversight and for the fact that this has a negative effect on not only me and my family but also the family who planned to sell their home to us as they have already moved out of the state because of this pending transaction. I also let her know that this has mentally and emotionally drained me as it has added to the stressors I already have. If this the fact that I needed to have additional time on my contract to utilize my VA Loan was discussed with me in XXXX ( when I first submitted my LES ) or XXXX ( when I submitted my LES the second time ) or if during any of my conversations with Mrs. XXXX or Mrs. XXXX, then I would not have had an issue. But to wait two days prior to closing to divulge this information and then attempt to cover up the mistake is such a disservice and injustice to all involved especially from a company that prides themselves on being FOR the military. Lastly, I told her that I felt as if I was being discriminated against as a service member who is about to become a veteran. Navy Federal Credit Union is fully aware that all military retirees will receive monthly retirement pay as well as XXXX compensation. I know they are aware of these factors because Mrs. XXXX, Mrs. XXXX, Mrs. XXXX and others all attempted to utilize a military retirement calculator to determine my retirement pay as well as asked me if I had a claim pending with the VA for XXXX. Those two items were to be used to calculate my income pass the closing date per each of these ladies. I did advise that I could not speak on specific amounts because I am not close enough to retirement to have factual data for either of those pays. I also did tell them that I am actively looking for work but because I am not close enough to retirement, I am not being considered for employment just yet. Mrs. XXXX advised me that I would soon receive a declination letter electronically. She also stated that she would be submitting a request to have all of the funds we paid into this process returned. \nXXXX XX/XX/XXXX, Mrs. XXXX contacted me via email to let me know that the {$500.00} paid for the appraisal was refunded to my savings account. She also asked if could resubmit all the receipts from the inspections and XXXX deposit. Those items were sent within a few hours. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX via email requesting a status. She responded that the letter still had not been generated and she was still waiting on an answer for the refunds. Later that afternoon, XXXX XXXX called me to introduce himself. He stated that he was XXXX XXXX Manager, she no longer works with Navy Federal, and if I needed assistance with anything to feel free to give him a call on his personal cell phone, which was the number he was calling me from. \nXXXX XX/XX/XXXX, declination letter was received via email. I am refusing to sign because the items listed for the disapproval are not the reason ( s ) I was truly disapproved. Additionally, I have not received any further communication regarding refunds of the fees paid.","date_sent_to_company":"2021-02-25T23:31:05.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"70056","tags":"Servicemember","has_narrative":true,"complaint_id":"4166437","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-02-25T23:21:57.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["She later sent an email to <em>verify</em> she had his military retirement pay and XXXX pay correct and at what frequency. I responded to that email as well within the hour. \nBetween XX/XX/XXXX <em>through</em> XX/XX/XXXX I had not received a response from Mrs. XXXX although I had been emailing and calling to <em>verify</em> the status of the loan and to ensure there were no more requirements needed of me. I finally reached out to Mrs. XXXX, who was assisting Mrs."]},"sort":[7.6781178,"4166437"]},{"_index":"complaint-public-v1","_id":"6443286","_score":7.039542,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my credit I have this account XXXX XXXX XXXX # XXXX the payment history is wrong! XXXX then XXXX, CO? No payment history for Transunion! This all is a violation per 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nThe whole account on the credit report for Transunion and XXXX that is a violation per 15 U.S. Code 1666a a ) Reports by creditor on obligors failure to pay amount regarded as a billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.\n\n( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.\n\n( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.\n\nI never gave written, unwritten verbal and nonverbal consent to any of the 3 companies to publish my credit report per 15 USC 6802 ( 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 15 U.S.C. 1681-1681u ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.\n\n( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.\n\n( c ) The term consumer means an individual.\n\n( d ) Consumer Report.\n\n( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.\n\n( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.\n\n( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.\n\n( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.\n\n( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.\n\n( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.\n\n( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.\n\n( j ) Definitions Relating to Child Support Obligations.\n\n( 1 ) Overdue support.\n\nThe term overdue support has the meaning given to such term in section 666 ( e ) of title 42.\n\n( 2 ) State or local child support enforcement agency.\n\nThe term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.\n\n( k ) Adverse Action.\n\n( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.\n\n( 2 ) Applicable findings, decisions, commentary, and orders.\n\nFor purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply.\n\n( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.\n\n( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.\n\n( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance.\n\n( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.\n\n( n ) State.\n\nThe term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States.\n\n( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).\n\n( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.\n\n( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.\n\n( q ) Definitions Relating to Fraud Alerts.\n\n( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer.\n\n( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report.\n\n( 3 ) Identity theft.\n\nThe term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.\n\n( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.\n\n( 5 ) New credit plan.\n\nThe term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan.\n\n( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card.\n\n( 2 ) Credit card.\n\nThe term credit card has the same meaning as in section 1602 of this title.\n\n( 3 ) Debit card.\n\nThe term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services.\n\n( 4 ) Account and electronic fund transfer.\n\nThe terms account and electronic fund transfer have the same meanings as in section 1693a of this title.\n\n( 5 ) Credit and creditor.\n\nThe terms credit and creditor have the same meanings as in section 1691a of this title.\n\n( s ) Federal Banking Agency.\n\nThe term Federal banking agency has the same meaning as in section 1813 of title 12.\n\n( t ) Financial Institution.\n\nThe term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.\n\n( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced.\n\n( v ) Commission.\n\nThe term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection.\n\n( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims.\n\n( y ) Exclusion of Certain Communications for Employee Investigations.\n\n( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title.\n\n( 2 ) Subsequent disclosure.\n\nAfter taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed.\n\n( 3 ) Self-regulatory organization defined.\n\nFor purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission.\n\n( z ) Veteran.\n\nThe term veteran has the meaning given the term in section 101 of title 38.\n\n( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran.\n\n( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.\n\n( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.\n\n( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.\n\n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\n( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.\n\n( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.","date_sent_to_company":"2023-01-17T02:10:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"6443286","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-17T00:29:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( aa ) <em>Veterans</em> Medical Debt.The term <em>veterans</em> medical debt ( 1 ) means a medical collection debt of a <em>veteran</em> owed to a non-<em>Department</em> of <em>Veterans</em> Affairs health care provider that was submitted to the <em>Department</em> for payment for health care authorized by the <em>Department</em> of <em>Veterans</em> Affairs ; and ( 2 ) includes medical collection debt that the <em>Department</em> of <em>Veterans</em> Affairs has wrongfully charged a <em>veteran</em>."]},"sort":[7.039542,"6443286"]},{"_index":"complaint-public-v1","_id":"6443314","_score":6.423321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my credit I have this account XXXX XXXX XXXX # XXXX the payment history is wrong! XXXX then XXXX, CO? No payment history for XXXX! This all is a violation per 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nThe whole account on the credit report for XXXX and Experian that is a violation per 15 U.S. Code 1666a a ) Reports by creditor on obligors failure to pay amount regarded as a billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\n( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. \n\n( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. \n\nI never gave written, unwritten verbal and nonverbal consent to any of the XXXX companies to publish my credit report per 15 USC 6802 ( 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 15 U.S.C. 1681-1681u ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( 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( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. \n( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. \n( c ) The term consumer means an individual. \n( d ) Consumer Report.\n\n( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.\n\n( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. \n( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. \n( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \n( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. \n( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. \n( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. \n( j ) Definitions Relating to XXXX XXXX Obligations. \n( 1 ) Overdue support.\n\nThe term overdue support has the meaning given to such term in section 666 ( e ) of title 42.\n\n( 2 ) State or local child support enforcement agency.\n\nThe term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. \n( k ) Adverse Action. \n( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.\n\n( 2 ) Applicable findings, decisions, commentary, and orders. \nFor purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply.\n\n( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.\n\n( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. \n( XXXX ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. \n( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.\n\n( n ) State. \nThe term XXXX means any State, the XXXX of XXXX XXXX, the District of Columbia, and any territory or possession of the United States. \n( o ) Excluded XXXX communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).\n\n( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.\n\n( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. \n( q ) Definitions Relating to XXXX Alerts. \n( XXXX ) XXXX XXXX military consumer.The term XXXX XXXX military consumer means a consumer in military service who ( A ) is on XXXX XXXX ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a XXXX performing duty under a call or order to XXXX XXXX under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. \n( XXXX ) Fraud alert ; XXXX XXXX alert.The terms fraud alert and XXXX XXXX alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer XXXX be a victim of fraud, including identity theft, or is an XXXX XXXX military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. \n( XXXX ) Identity theft. \nThe term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the XXXX XXXX prescribe, by regulation. \n( XXXX ) Identity theft report.The term identity theft report has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. \n( XXXX ) New credit plan. \nThe term new credit plan means a new account under an open end credit plan ( as defined in section XXXX ( i ) XXXX of this title ) or a new credit transaction not under an open end credit plan. \n( r ) Credit and Debit Related Terms ( XXXX ) XXXX XXXX term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. \n( XXXX ) Credit card. \nThe term credit card has the same meaning as in section XXXX of this title. \n( XXXX ) Debit card. \nThe term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. \n( XXXX ) Account and electronic fund transfer. \nThe terms account and electronic fund transfer have the same meanings as in section XXXX of this title. \n( XXXX ) Credit and creditor. \nThe terms credit and creditor have the same meanings as in section XXXX of this title. \n( XXXX ) XXXX Banking XXXX. \nThe term XXXX banking agency has the same meaning as in section XXXX of title XXXX. \n( t ) XXXX XXXX. \nThe term financial institution means a State or National bank, a XXXX or XXXX XXXX and XXXX XXXX, a mutual savings bank, a XXXX or XXXX credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section XXXX ( b ) of title XXXX ) belonging to a consumer. \n( u ) Reseller.The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( XXXX ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. \n( v XXXX XXXX. \nThe term XXXX means the XXXX. [ XXXX ] ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX. \n( x ) XXXX XXXX XXXX XXXX XXXX term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( XXXX ) medical records or payments ; ( XXXX ) residential or tenant history ; ( XXXX ) check writing history ; ( XXXX ) employment history; or ( XXXX ) insurance claims. \n( y ) Exclusion of Certain Communications for XXXX Investigations. \n( XXXX ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( XXXX ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, XXXX, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State XXXX XXXX agency, or department, or any XXXX, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section XXXX of this title. \n( XXXX ) Subsequent disclosure. \nAfter taking any adverse action based in whole or in part on a communication described in paragraph ( XXXX ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( XXXX ) ( D ) an investigative consumer report need not be disclosed. \n( XXXX ) Self-regulatory organization defined. \nFor purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section XXXX ( a ) ( XXXX ) of this title ), any entity established under title XXXX of the XXXX XXXX of 2002 [ XXXX U.S.C. XXXX et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any XXXX XXXX registered with such XXXX. \n( z ) Veteran. \nThe term veteran has the meaning given the term in section XXXX of title XXXX. \n( aa ) Veterans Medical Debt.The term veterans medical debt ( XXXX ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department XXXX XXXX XXXX ; and ( XXXX ) includes medical collection debt that the Department XXXX XXXX XXXX has wrongfully charged a veteran. \n( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. \n( XXXX ) In accordance with the written instructions of the consumer to whom it relates. \n( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. \n( G ) XXXX departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. \n( XXXX ) In response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n( XXXX ) To an agency administering a State plan under section XXXX of title XXXX for use to set an initial or modified child support award. \n( XXXX ) To the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the XXXX XXXX XXXX XXXX [ XXXX XXXX. XXXX et seq. ] or the XXXX XXXX XXXX XXXX [ XXXX XXXX. XXXX et seq. ], or other applicable XXXX or XXXX law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. \n( b ) Conditions for furnishing and using consumer reports for employment purposes ( XXXX ) Certification from user A consumer reporting agency XXXX furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) with respect to the consumer report, and the person will comply with paragraph ( XXXX ) with respect to the consumer report if paragraph ( XXXX ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the XXXX under section XXXX ( c ) ( XXXX ) [ XXXX ] of this title. \n( XXXX ) XXXX to consumer ( A ) In general Except as provided in subparagraph ( B ), a person XXXX not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report XXXX be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization XXXX be made on the document referred to in clause ( i ) ) the procurement of the report by that person. \n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report XXXX be obtained for employment purposes, and a summary of the consumers rights under section XXXX ( a ) ( XXXX ) XXXX of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. \n( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the XXXX of XXXX has the power to establish qualifications and maximum hours of service pursuant to the provisions of section XXXX of title XXXX, or a position subject to safety regulation by a XXXX transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. \n( XXXX ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the XXXX under section XXXX ( c ) ( XXXX ) XXXX of this title. \n( B ) Application by mail, telephone, computer, or other similar means ( XXXX ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section XXXX ( a ) of this title, within XXXX business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.","date_sent_to_company":"2023-01-17T02:10:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"6443314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-17T02:10:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( aa ) <em>Veterans</em> Medical Debt.The term <em>veterans</em> medical debt ( XXXX ) means a medical collection debt of a <em>veteran</em> owed to a non-<em>Department</em> of <em>Veterans</em> Affairs health care provider that was submitted to the <em>Department</em> for payment for health care authorized by the <em>Department</em> XXXX XXXX XXXX ; and ( XXXX ) includes medical collection debt that the <em>Department</em> XXXX XXXX XXXX has wrongfully charged a <em>veteran</em>."]},"sort":[6.423321,"6443314"]},{"_index":"complaint-public-v1","_id":"5464988","_score":5.7226753,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XX/XX/2022 I contacted XXXX to get them to remove all addresses and names that have no affiliation with me and this company refused to do anything because they said they didnt ' have proof of my id. I have included a copy of the ftc report along with a copy of my drivers license as proof of ID. \n\n15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. \n\n( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10\n\nyears. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n( 3 ) Paid tax liens which, from date of payment, a\n\nntedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes wh\nich antedates the report by more than seven years.\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\nMy Name is ( XXXX XXXX ) MY ADDRESS IS ( XXXX XXXX XXXX, XXXX XXXX XXXX ) I have been at this address almost XXXX years. \n\nMy previous address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I lived there for over 30 years. \n\nSocial Security number XXXX. Any other Social Security numbers listed on my credit report must be removed because they do not reflect accurate information. \n\nPlease ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above. \n\nI also want the current information Verified with signatures of all parties involved with signed contracts and the Verifying company information and who verified the information sent to me at the address listed on my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX  - XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX -No knowledge of this account XXXX. XXXX XXXX XXXX XXXX knowledge of this account XXXX. XXXX XXXX XXXX - This account was paid as agreed and closed. \n\nAny inquires that appear on my credit report other than XXXX XXXX XXXX  and XXXX XXXX XXXX must be removed because i did not give anyone permission to pull my credit report other than the companies that i have listed. Any companies that appear on my credit report that are not listed i want the removed. \n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.\n\nI want the following companies and information blocked from appearing on my credit report. \n\nXXXX. XXXX XXXX - This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud. \n\nXXXX. XXXX XXXX XXXX- This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud. \n\nI want these account 's removed or blocked because they are showing that they are open account 's and these are charged off debts and the law clearly states that charges offs are considered income and no credit reporting agency can report income. \n\nAny information that is not true and correct that dose n't reflect the true nature of my being I want it removed and deleted to not be put back on no later date. \n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. \n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. \n( XXXX ) To the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. \n( b ) Conditions for furnishing and using consumer reports for employment purposes ( XXXX ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.\n\n( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. \n\nClearly XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and Core logic has violated my rights.","date_sent_to_company":"2022-04-19T15:31:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5464988","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-19T15:31:26.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Any other Social Security numbers listed on my credit report must be removed <em>because</em> they do not reflect accurate information. \n\nPlease ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above. \n\nI also want the current information <em>Verified</em> with signatures of all parties involved with signed contracts and the <em>Verifying</em> company information and who <em>verified</em> the information sent to me at the address listed on my credit report."]},"sort":[5.7226753,"5464988"]},{"_index":"complaint-public-v1","_id":"5464737","_score":5.7056026,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"0n XX/XX/2022 I contacted Equifax to get them to remove all addresses and names that have no affiliation with me and this company refused to do anything because they said they didnt ' have proof of my id. I have included a copy of the ftc report along with a copy of my drivers license as proof of ID.\n\n15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.\n\n( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.\n\n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.\n\n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the hospital care, XXXX XXXX, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. \n\nMy Name is ( XXXX XXXX ) MY ADDRESS IS ( XXXX XXXX XXXX, XXXX XXXX XXXX ) I have been at this address almost three years. \n\nMy previous address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I lived there for over 30 years. \n\nSocial Security number XXXX. Any other Social Security numbers listed on my credit report must be removed because they do not reflect accurate information. \n\nPlease ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above. \n\nI also want the current information Verified with signatures of all parties involved with signed contracts and the Verifying company information and who verified the information sent to me at the address listed on my credit report. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX  - XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX -No knowledge of this account XXXX. XXXX XXXX XXXX XXXX knowledge of this account XXXX. XXXX XXXX XXXX - This account was paid as agreed and closed. \n\nAny inquires that appear on my credit report other than XXXX XXXX XXXX  and XXXX XXXX XXXX must be removed because i did not give anyone permission to pull my credit report other than the companies that i have listed. Any companies that appear on my credit report that are not listed i want the removed. \n\n15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.\n\nI want the following companies and information blocked from appearing on my credit report. \n\nXXXX. XXXX XXXX - This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud. \n\nXXXX. XXXX XXXX XXXX- This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud. \n\nI want these account 's removed or blocked because they are showing that they are open account 's and these are charged off debts and the law clearly states that charges offs are considered income and no credit reporting agency can report income. \n\nAny information that is not true and correct that dose n't reflect the true nature of my being I want it removed and deleted to not be put back on no later date.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.\n\n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.\n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.\n\n( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.\n\n( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\n( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. \n\nClearly Equifax, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX has violated my rights.","date_sent_to_company":"2022-04-19T15:31:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"5464737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-19T14:51:08.000Z","state":"MS","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Any other Social Security numbers listed on my credit report must be removed <em>because</em> they do not reflect accurate information. \n\nPlease ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above. \n\nI also want the current information <em>Verified</em> with signatures of all parties involved with signed contracts and the <em>Verifying</em> company information and who <em>verified</em> the information sent to me at the address listed on my credit report."]},"sort":[5.7056026,"5464737"]},{"_index":"complaint-public-v1","_id":"17967179","_score":4.902294,"_source":{"product":"Mortgage","complaint_what_happened":"Forensic Investigation and Chain of Title Analysis : XXXX XXXX XXXX ( Loan No. XXXX ) 1. Executive Forensic Abstract This report constitutes a comprehensive forensic examination of the residential mortgage loan originated by Darrick L. XXXX and Julita V. XXXX ( hereinafter \" Borrowers '' ) regarding the real property located at XXXX XXXX XXXX, XXXX, Georgia XXXX. The investigation was precipitated by allegations of fraud, defective chain of title, and the fabrication of legal instruments by sophisticated financial entities including, but not limited to, XXXX XXXX XXXX, XXXX. ( XXXX  ), XXXX XXXX XXXX ( XXXX ), and their respective agents. The core of this analysis relies on a deep review of the internal audit documents, sworn affidavits, and depositions contained within the evidentiary file \" XXXX XXXX ''. \nThe forensic evidence uncovers a fatal breach in the chain of title that occurred as early as XXXX. The investigation confirms that the subject loan was securitized and sold into the XXXX XXXX XXXX XXXX XXXX mere weeks after origination. This securitization event effectively removed the asset from the balance sheet of the original lender, XXXX XXXX  XXXX XXXX XXXX. Consequently, the loan could not have been legally transferred to XXXX XXXX during the XXXX corporate acquisition of XXXX  mortgage division, nor could it have been seized by the FDIC in XXXX as a XXXX XXXX, nor subsequently sold to XXXX XXXX. \nThe documents recorded in the XXXX XXXX XXXX XXXX in XXXX the assignments attempting to bridge the gap between the FDIC and XXXXexhibit the classic hallmarks of \" robo-signing '' and document fabrication. These instruments attempt to retroactively convey an interest that the grantor ( FDIC ) did not possess. Furthermore, the analysis of the Limited Power of Attorney ( LPOA ) utilized to execute these assignments reveals distinctive anomalies, including mismatched effective dates and footer inconsistencies, suggesting the document was structurally altered or \" frankened '' to create the appearance of authority. \nThis report integrates the findings of the BP Investigative Agency, Certified Forensic Loan Auditors ( CFLA ), and the sworn testimony of XXXX Operations Unit Manager XXXX XXXX to construct a definitive timeline of title corruption. The findings suggest that the current claimant, presumably Bank of America , N.A . via assignment from XXXX, lacks the requisite legal standing to enforce the security deed, as the chain of title is severed at the XXXX XXXX trust level. \n2. Origination and the Initial Securitization Event 2.1 The Primary Transaction ( XX/XX/XXXX ) The foundation of the debt obligation was established on XX/XX/XXXX. The Borrowers executed a Promissory Note and a Security Deed in favor of XXXX XXXX  XXXX XXXX XXXX, an Ohio XXXX. The principal amount of the indebtedness was {$110000.00}, bearing a fixed interest rate of 7.000 % per annum, with a maturity date set for XX/XX/XXXX. \nThe transaction was underwritten as a Department of Veterans Affairs ( VA ) guaranteed loan, identified by VA Case Number XXXX and Lender Loan Number XXXX. The involvement of the VA is a critical forensic detail, as VA loans were prime collateral for XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) securitization pools during this era. Unlike conventional loans which might be portfolio-held or sold to XXXX XXXX XXXX XXXX VA loans were almost exclusively channeled into XXXX XXXX Mortgage-Backed Securities ( MBS ) to provide liquidity to the lending market.\n\nThe settlement statement ( HUD-1 ) confirms that the funds were disbursed, and the loan closed on XX/XX/XXXX. At the moment of closing, XXXX XXXX  XXXX XXXX XXXX held both the legal title ( via the Security Deed ) and the beneficial interest ( via the Note ). However, the forensic timeline indicates that XXXX 's intent was never to hold the loan, but to act as a conduit for the secondary market. \nXXXX The Transfer to XXXX XXXX ( XX/XX/XXXX ) The most pivotal document in the entire chain of titleand the one that effectively renders subsequent assignments voidis the Assignment of Deed of Trust executed on XX/XX/XXXX. This document, identified in the BP Investigative Agency audit, explicitly transfers the beneficial interest in the XXXX loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). \n| Transaction Component | Details | | -- -| -- -| | Assignor | XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Government XXXX Mortgage XXXX XXXX XXXX ) | | Date of Execution | XX/XX/XXXX ( 15 days after closing ) | | Signatory | XXXX XXXX XXXX XXXX XXXX XXXX | | Notary | XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL ) | | Corporate Seal | Affixed ( XXXX XXXX  XXXX XXXX XXXX This assignment is legally significant because it represents a \" true sale '' of the asset. Once XXXX assigned the deed to XXXX XXXX, XXXX was divested of its ownership interest. It likely retained \" servicing rights '' the contractual duty to collect payments and interact with the borrowerbut it no longer held the \" beneficial interest '' required to sell the loan to another entity or to foreclose in its own name as a creditor. \n2.3 The XXXX XXXX XXXX XXXX  XXXX Following the assignment to XXXX XXXX XXXX the loan was pooled into a securitization trust. XXXX  XXXX forensic audit performed by XXXX XXXX identifies the specific vehicle as XXXX XXXX XXXX Trust XXXX. \nTrust Characteristics : * XXXX XXXX : XXXX. \n* Issue Date : XX/XX/XXXX. \n* Pricing Date : XX/XX/XXXX. \n* Settlement Date : XX/XX/XXXX. \n* Sponsors : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. \n* Trustee : XXXX XXXX XXXX XXXX XXXX XXXX ( later acquired by XXXX XXXX XXXX XXXX XXXX \n* Collateral Type : XXXX XXXX XXXX. \nThe Prospectus Supplement for this Trust confirms that XXXX XXXX  XXXX XXXX acted as the Depositor. The underlying collateral consisted of loans with characteristics matching the XXXX XXXX ( 7.0 % interest rate range, origination in early XXXX, Georgia property ). \nMechanics of the Transfer : When the loan was placed into XXXX  Trust XXXX, the Note would have been endorsed in blank or specifically endorsed to the Trustee ( XXXX XXXX XXXX  ). The physical document should have been delivered to the Document Custodian for the Trust. XXXX XXXX, as the guarantor, guarantees the timely payment of principal and interest to the bondholders ( Certificate Holders ) of the XXXX  XXXX. XXXX XXXX does not typically own the loans directly unless the Issuer defaults ; rather, the Trust owns the loans. However, the recorded assignment explicitly names \" XXXX  XXXX XXXX XXXX '' as the assignee, which solidifies the fact that the loan left XXXX 's books. \n3. The Broken Chain : Corporate Mergers vs. Asset Transfers A fundamental misunderstandingor deliberate misrepresentationprevalent in the mortgage industry regarding \" acquisition by merger '' lies at the heart of the XXXX case. Foreclosing banks frequently argue that if Bank A bought Bank B, Bank A automatically owns all loans ever originated by Bank B. This is legally incorrect regarding securitized assets. \n3.1 The XXXX Transaction XXXX XXXX ) In XXXX, Washington XXXX XXXX XXXX XXXX XXXX the residential mortgage banking business of XXXX XXXX XXXX XXXX XXXX This transaction included XXXX Mortgage XXXX XXXX XXXX. \nThe Forensic Conflict : * XXXX 's Claim : XXXX acquired the XXXX loan from XXXX in XXXX because it bought XXXX 's mortgage division. \n* The Reality : XXXX could only acquire assets that XXXX owned in XXXX. Since the XXXX loan was sold to XXXX XXXX in XXXX, it was not an asset of XXXX in XXXX. It was an asset of the XXXX XXXX XXXX XXXX XXXX. \n* Result : XXXX acquired, at best, the servicing rights to the XXXX loan. Servicing rights allow a bank to collect payments for a fee, but they do not convey ownership of the Note or the right to foreclose as the \" secured creditor ''. \nTherefore, when XXXX operated between XXXX and XXXX, it was acting as a servicer for the XXXX XXXX XXXX, not as the owner of the XXXX loan. This distinction is critical because only the owner ( or a properly authorized agent of the owner ) has the standing to foreclose. \n3.2 The Collapse of XXXX  XXXX ( XXXX ) On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX ) closed XXXX XXXX XXXX and appointed the FDIC as receiver. On the same day, XXXX XXXX XXXX, XXXX. ( XXXX ) entered into a Purchase and Assumption Agreement ( PAA ) with the FDIC to purchase the assets of XXXX. \nThe \" Book Value '' Limitation : The PAA between FDIC and XXXX contains specific language regarding what was purchased. Generally, XXXX purchased the \" assets '' of XXXX. However, for a loan to be an \" asset '' of XXXX, it must be reflected on the bank 's books as an investment or portfolio loan. \n* Since the XXXX loan was securitized in XXXX, it was an \" off-balance-sheet '' asset. \n* XXXX did not own the loan ; the XXXX XXXX XXXX did. \n* Therefore, the loan did not pass to XXXX through the XXXX as an owned asset. Again, only the servicing rights would have transferred. \nXXXX. The XXXX Assignment : Anatomy of a Fabrication The investigation identifies a significant gap in the timeline between XXXX ( XXXX failure ) and XXXX. For XXXX years, there was no recorded activity assigning the loan to XXXX. Then, in XX/XX/XXXX, a flurry of documents was recorded in XXXX XXXX, Georgia. These documents appear to be manufactured to cure the defect identified above. \nXXXX The \" FDIC to Chase '' Assignment ( Assignment # XXXX ) On XX/XX/XXXX, a document titled \" Georgia Assignment of Security Deed '' was executed and subsequently recorded in Book XXXX, Page XXXX. \nDocument Analysis : * Grantor : XXXX XXXX XXXX XXXX ( FDIC ) as Receiver for XXXX XXXX XXXX \n* Grantee : XXXX XXXX XXXX, XXXX. \n* Signatory : \" XXXX XXXX XXXX XXXX XXXX XXXX, as Attorney-in-Fact for the XXXX XXXX XXXX XXXX XXXX XXXX * Witness/Notary : Executed in XXXX XXXX XXXX Louisiana ( a known hub for XXXX 's document processing center ). \nForensic Red Flags : * Self-Assignment : The document is signed by XXXX employees XXXX behalf of the FDIC, assigning the loan to XXXX. While Limited Powers of Attorney ( LPOA ) exist, their use to assign assets six years after a bank failure is legally contentious and often indicative of \" cleaning up the file '' rather than a genuine transaction. \n* XXXX XXXXguage : The assignment states it is \" intended to further memorialize the transfer that occurred by operation of law on XX/XX/XXXX. '' This \" memorialization '' language is a common legal fiction used to create a paper trail where none existed. If the transfer happened by operation of law, a specific assignment of the deed would arguably not be necessary unless the chain was broken. \n* Impossibility of Conveyance : As established in Section 2, XXXX did not own the loan ; XXXX XXXX did. The FDIC, standing in the shoes of XXXX, can not assign what XXXX did not possess. Therefore, this assignment purports to transfer a nullity. It is void ab initio. \n4.2 The \" Chase to Bank of America '' Assignment ( Assignment # 3 ) On the same day, XX/XX/XXXX, XXXX executed a second assignment transferring the XXXX Deed to Bank of America , N.A . ( Recorded in Book XXXX, Page XXXX ). \nThe Daisy Chain of Invalidity : Because the transfer from FDIC to XXXX was void ( due to lack of underlying ownership ), XXXX obtained no valid interest in the property. Consequently, XXXX had zero interest to convey to Bank of America. Under the legal principle nemo dat quod non habet ( no one gives what they do not have ), the assignment to Bank of America is equally void. Bank of America 's current claim to the property rests entirely on this defective chain. \n4.3 The \" XXXX 's Affidavit '' The investigation notes the existence of a \" XXXX 's Affidavit '' filed in the XXXX XXXX records. Such affidavits are typically reserved for correcting minor clerical errors ( e.g., a misspelled name or incorrect lot number ). However, in forensic audits of distressed loans, XXXX 's Affidavits are frequently weaponized to materially alter documentssuch as changing the borrower 's name or the legal descriptionwithout the borrower 's re-execution. In the context of the XXXX loan, where the chain of title is demonstrably broken, the presence of a XXXX 's Affidavit serves as an indicator of an attempt to \" patch '' fatal defects in the record without proper legal authority. \nXXXX. The XXXX XXXX Deposition : Systemic Admissions The uploaded research material includes a substantial transcript of a deposition of XXXX XXXX, an Operations Unit Manager for XXXX XXXX. Although this deposition was taken in a different case ( JPMC v. XXXX ), the testimony provided is systemic in nature and directly impeaches the documentation practices used in the XXXX loan. \n5.1 The Myth of the Loan Schedule A critical defense raised by XXXX in foreclosure cases is that they purchased \" all '' loans. When pressed for evidence of a specific loan 's purchase, they rely on the PAA. However, XXXX admits under oath that no inventory exists. \n* Q : \" Are you aware of any type of schedule of loans that would have been created...? '' * A ( XXXX ) : \" I know that there was a schedule contemplated in certain documents related to the purchase. That schedule has never materialized in any form. We've looked for it in countless other cases. We've never been able to produce it ... as far as I know, it doesn't exist ... '' Implication for XXXX Loan : XXXX can not prove they purchased the XXXX loan from the FDIC because they can not produce a schedule listing it. They rely on a general assumption. However, since the XXXX loan was securitized to XXXX XXXX in XXXX, it would not have been on XXXX 's books, and thus would not have transferred automatically. The lack of a schedule prevents XXXX from overcoming this fact. \n5.2 The Non-Existence of Assignments XXXX further testifies regarding the existence of assignments from XXXX to Chase : * Q : \" Have you ever seen a FDIC bill of sale or ... assignment of mortgage or an allonge? '' * A ( XXXX ) : \" No there is no assignments of mortgage. There's no allonges.... I've never once seen an assignment of mortgage. There is simply not they don't exist. '' Implication for XXXX XXXX : This testimony confirms that the XXXX assignment recorded in XXXX XXXX was not a contemporaneous document created during the XXXX transaction. It was created ex post facto by the litigation team or a third-party vendor ( XXXX, XXXX ) specifically to facilitate foreclosure. This reinforces the argument that the assignment is a fabrication designed to manufacture standing for litigation. \n5.3 Endorsements in Blank XXXX testifies that it was XXXX 's standard practice to endorse notes in blank immediately upon origination to facilitate sale to the secondary market. \n* A ( XXXX ) : \" Immediately the -- that note is endorsed in blank, contemplating that the loan is going to be sold off. '' Implication for XXXX Loan : While an endorsement in blank turns the note into bearer paper, the XXXX XXXX XXXX XXXX ( XXXX ) requires a complete chain of endorsements from the originator to the Trustee. \n* \" XXXX XXXX requires that the chain of endorsements from the originator of the loan to the pooling Issuer of the note be complete. '' If the XXXX note consists of a single endorsement in blank from XXXX, it technically violates XXXX XXXX custody requirements if the intervening transfers ( XXXX XXXX XXXX ) are not endorsed. Furthermore, if the note was endorsed in blank and held by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX would not have physical possession of it. XXXX 's claim to be the \" holder '' of the note often relies on the Constructive Possession doctrine, which is legally weak if the physical note is in a vault controlled by a separate Trustee. \n6. The Limited Power of Attorney ( LPOA ) Anomalies The assignment from FDIC to XXXX relies on a Limited Power of Attorney ( LPOA ) to grant XXXX the authority to sign on behalf of the FDIC. The forensic audit by XXXX XXXX identifies a critical defect in the LPOA recorded in connection with these types of loans. \nThe \" Frankenstein '' Document : The LPOA presented in the exhibits appears to be an assembled documenta composite of pages from different documents. \n* Pages 1-3 : The footer text reads : \" Limited Power of Attorney for XXXX XXXX XXXX Effective - XX/XX/XXXX thru XX/XX/XXXX. '' * Page 4 ( Signature Page ) : The footer text reads : \" Limited Power of Attorney for XXXX XXXX... Effective - XX/XX/XXXX thru XX/XX/XXXX. '' Forensic Conclusion : The discrepancy in the effective dates in the footers strongly suggests that the signature page was detached from a different LPOA ( one expiring in XXXX ) and attached to the body of a text ( expiring in XXXX ). In forensic document examination, this is a primary indicator of document manipulation. If the signature page does not belong to the text, the Power of Attorney is invalid. Consequently, the assignment executed under this invalid power is void, leaving XXXX with no authority to assign the XXXX XXXX to Bank of America. \nXXXX. XXXX XXXX XXXX Trust and XXXX Data To scientifically verify the securitization of the XXXX loan, the investigation utilized the XXXX Professional Service terminal, a gold standard for financial data analysis. \nXXXX Trust Identification The XXXX search conducted by Certified Forensic Loan Auditors ( CFLA ) matched the specific characteristics of the XXXX loan ( Origination Date : XX/XX/XXXX ; Amount : {$110000.00} ; State : GA ; Rate : 7.0 % ) to the XXXX XXXX XXXX Trust XXXX. \nXXXX XXXX Structure and Tranches The XXXX XXXX XXXX Trust XXXX is a Real Estate Mortgage Investment Conduit . This structure slices the cash flows from the pooled loans into various \" tranches '' ( slices ) with different maturities and risk profiles. \n* Issuance Date : XX/XX/XXXX. \n* Tranches : The trust contains multiple tranches ( e.g., Class A, Class B, Class Z ). The XXXX XXXX shows tranche details such as \" XXXX XXXX, '' \" XXXX XXXX, '' etc. \n* Residual Interests : The structure separates the principal and interest components. \nLegal Significance : Once a loan is securitized into a XXXX, the tax code ( 26 U.S.C. 860A-G ) imposes strict rules on the transfer of assets. Loans can not simply be \" pulled out '' of a XXXX trust and placed onto a bank 's balance sheet without triggering significant tax events ( prohibited transactions ). There is no evidence in the XXXX data or county records that the XXXX loan was ever removed from the XXXX XXXX. \nThis confirms that the beneficial owner of the XXXX loan is, and likely always has been since XXXX, the Trustee of XXXX XXXX XXXX XXXX XXXX for the benefit of the certificate holders. Bank of America 's claim to be the owner via the XXXX assignment is contradicted by the immutable structure of the XXXX XXXX. \n8. Violation of Georgia RICO and Fraud Statutes The Borrowers ' affidavit references the Georgia Racketeer Influenced and Corrupt Organizations ( RICO ) Act ( O.C.G.A. 16-14-1 et seq. ). The findings of this report provide a factual basis for such claims.\n\nPredicate Acts of Racketeering : Under Georgia law, \" racketeering activity '' includes theft, fraud, and false statements. The systematic practice of : * Filing False Documents : Recording assignments in the public record ( XXXX XXXX ) that contain materially false statements ( e.g., claiming a transfer occurred \" by operation of law '' when the asset was not owned by the transferor ). \n* Theft by Deception : Attempting to collect debt payments or foreclose on property based on a fraudulent chain of title.\n\n* Mail/Wire Fraud : Using the mail ( sending Notices of Sale ) or wire transfers ( collecting mortgage payments ) in furtherance of the scheme to enforce a void debt. \nThe evidence suggests that XXXX and its agents engaged.It is rather XXXX Broken that this Chain of Title Theft was and is still being ignored.I am asking you all to Please be curious enough to see how such a large theft transfers are still causing Veterans to loose their homes and it appears that XXXX XXXX XXXX XXXX lost his rights straight out the Gate. \nIn XXXX We Trust XXXX  XXXX The XXXX Family still Fighting to return Home","date_sent_to_company":"2025-12-01T19:25:14.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"30331","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17967179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-01T18:58:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["The transaction was underwritten as a <em>Department</em> of <em>Veterans</em> Affairs ( VA ) guaranteed loan, identified by VA Case Number XXXX and Lender Loan Number XXXX. The involvement of the VA is a critical forensic detail, as VA loans were prime collateral for XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) securitization pools during this era."]},"sort":[4.902294,"17967179"]},{"_index":"complaint-public-v1","_id":"2838982","_score":4.7138577,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RE : XXXX # XXXX SLS # XXXX To Whom It May Concern, We are writing today to inform you of the events, some of which many would deem unethical if not unlawful, that have led to our request for an investigation into these practices, or possible assistance in clearing up the matter. We will be listing the events in timeline order in hopes of making them easier to follow. \n\nFirst, let us give you a short recap of who we are in order to give you a better understanding of our background. XXXX is a XXXX XXXX XXXX and XXXX is a XXXX. They are extremely active in their community, with XXXX being awarded Woman of the Year in her community, and Elk of the Month in her local Elks Lodge for countless volunteer hours helping veterans, abused women and children, students in the District, etc.. They have been together since XX/XX/XXXX, meeting as teenagers and becoming young parents to XXXX, now XXXX, and XXXX, now XXXX. They bought their home in XX/XX/XXXX. When the recession hit around XX/XX/XXXX, XXXX was working long hours and often not getting paid by his clients for the work he completed, as those clients were also facing the effects of the recession. XXXX, then in her early XXXX, had returned to college, taking upwards of XXXX units per semester, graduating with her XXXX with honors before receiving her XXXX credential. With the decline in the economy, XXXX student loans carried them through financially. However, they fell behind in their mortgage. In XX/XX/XXXX, with the economy picking up, XXXX started with his plan to make double payments on the mortgage in order to help catch up with the months they were behind in paying. In XX/XX/XXXX, he made his first double payment. The following month, he called in to do the same, and  was told no payment would be accepted because they were seven months behind. When XXXX mentioned to the phone operator that he had just made a double payment and were only five months behind, he was told there was no history of that transaction. This is where our story with XXXX XXXX XXXXXXXX and Specialized Loan Servicing ( SLS ) begins ... \n\nXX/XX/XXXX - We receive notice that our loan has been transferred from XXXX XXXX to XXXX XXXX XXXX, a division of XXXX XXXX XXXX. \n\nXX/XX/XXXX - We received a notice from XXXX XXXX stating the balance owed on the home was {$350000.00}. \n\nXX/XX/XXXX - The last dated statement weve received from XXXX XXXX states a  balance of {$330000.00} is owed. \n\nXX/XX/XXXX - XXXX makes a double payment on the account, bringing the months in arrear to just five months. \n\nXX/XX/XXXX and early XX/XX/XXXX - XXXX makes several calls to XXXX XXXX to make another double payment and is denied, being told the foreclosure process has begun as there has not been a payment made since XX/XX/XXXX. When XXXX states he had just made a double payment the previous month, he is told there is no record of this payment. We proceed to make several more phone calls regarding the missing payments. \n\nXX/XX/XXXX - We receive a notice of foreclosure. \n\nXX/XX/XXXX - XXXX writes to XXXX XXXX regarding opening an investigation into the missing payments from XX/XX/XXXX. \n\nXX/XX/XXXX - XXXX responds to XXXX letter, and includes a printout of payments received, which shows there were, indeed, two payments made in XX/XX/XXXX. However, this confidential loan information is sent XXXX at a totally unknown address in a completely different state ( New Jersey ). XXXX XXXX XXXX, the recipient of this information, was kind enough to mail us those documents, along with the original mailing envelope. NOTE : This is the beginning of a pattern by XXXX XXXX and Specialized Loan Servicing ( SLS ) of mailing important and time sensitive material to the incorrect address. If not for XXXX XXXX tracking us down and mailing us our information, we would never have proof that our XX/XX/XXXX double payment was properly credited to our mortgage. \n\nXX/XX/XXXX - After months of sending in our information for a modification loan with XXXX XXXX, and repeatedly being told information was either missing or illegible, we spoke with attorney XXXX XXXX, and retained his services of assisting with the completion of our loan mod packet. \n\nXX/XX/XXXX - We contacted XXXX XXXX XXXX XXXX, a mortgage assistance program, to see if they could help with keeping our home. You will see in a future timeline entry that this did not work due to our servicers lack of response to their requests for information that would help us. \n\nXX/XX/XXXX - We received our first denial of a loan mod, due to missing paperwork. Our attorney, XXXX XXXX, disputed the rejection immediately with proof of all paperwork being turned in. \n\nXX/XX/XXXX - Foreclosure paperwork is taped to our front door. We continue to send in information requested to XXXX XXXX for the next several months, with communication between XXXX XXXX and XXXX XXXX continuing through email and postal mail. \n\nXX/XX/XXXX - We are informed by XXXX XXXX that XXXX XXXX of XXXX XXXX XXXX   contacted XXXX XXXX. Apparently, XXXX XXXX had been contacted by a Federal Monitor who, after reviewing loan modifications, expressed concerns regarding the extended amount of time the bank to resolve the loan mod. XXXX XXXX also assured a decision would be made in one to  two days of receiving one last document from us. \n\nXX/XX/XXXX - XXXX XXXX XXXX XXXX sends us a letter stating they are unable to assist due to the fact that our servicer failed to respond to their several requests for information, despite the fact that documents were signed by XXXX permitting XXXX XXXX XXXX XXXX to obtain said information. \n\nXX/XX/XXXX and XX/XX/XXXX - XXXX mails a letter to government and bank officials regarding the errors and irresponsible handling of our loan/loan modification. \n\nXX/XX/XXXX - Our modification loan is rejected. We are given thirty days to appeal. \n\nXX/XX/XXXX - XXXX XXXX writes XXXX in response to her letter to XXXX XXXX, Chairman of XXXX XXXX XXXX. In it, he incorrectly states the missing mortgage payments were from XX/XX/XXXX, when they were actually from XX/XX/XXXX. He states no payment can be accepted once foreclosure has started. The payments were received the month before foreclosure started and were not credited by XXXX phone calls in XX/XX/XXXX/XX/XX/XXXX. This shows yet again a pattern of miscommunication and lack of attention to detail that results in the foreclosure process continuing under false pretenses. \n\nXX/XX/XXXX - Attorney XXXX XXXX sends in the appeal, with ten days remaining before the deadline. He notes the NPV calculations used by XXXX XXXX in their reasoning for the denial doesnt make sense, and the appraisal does not coincide with several appraisal companies findings. \n\nXX/XX/XXXX - XXXX responds to a letter and phone call received from XXXX XXXX, an XXXX XXXX employee in the Default Escalation Department. XXXX XXXX voicemail stated he wanted to discuss XXXX letter sent to XXXX XXXX executives. While talking to XXXX XXXX, XXXX had to correct him when he attempted to discuss previous conversations between the two of them, which had never happened. After realizing his mistake and reviewing the loans history, he stated several times the loan was current. He stated our appeal sent in the time frame allotted was never received and the loan was transferred to a different department. \n\nXX/XX/XXXX - XXXX texted XXXX to relay the information she just learned during her phone call to XXXX XXXX. XXXX immediately called XXXX XXXX to make a payment, if indeed the account was current, only to hear the automated system stateme the loan was paid in full. Yes.  You read correctly. Paid in full. \n\nXX/XX/XXXX - XXXX purchases XXXX XXXX XXXX. We expect to receive paperwork from XXXX regarding our loan. \n\nXX/XX/XXXX - After months have gone by without hearing anything from XXXX XXXX, a document is sent to XXXX XXXX at an address he has never resided at. The address belongs to XXXX XXXX office. The document is from Specialized Loan Servicing ( SLS ). SLS has not had any dealings with XXXX XXXX. If they are taking over the loan, new documents should have been sent to the homeowner at his address and never were. The document demands {$70000.00} be paid to SLS before they would accept any mortgage payments. There was no accompanying letter, no mention of XXXX XXXX, no introduction of being the new holders or servicers of the loan. To us, it appeared to be another piece of junk mail similar to the hundred of pieces of mail and phone calls weve received since foreclosure began, asking for money. Our attorney, XXXX XXXX, responds to the request, stating if they are taking over the loan, then regular payments are required to be allowed to commence immediately. No response was received. \nXX/XX/XXXX -\nSLS sends another bill to our lawyers address, but not response to our lawyers letter. Again, SLS has had no business with XXXX XXXX, so we are perplexed as to why our mail is being sent to that address and not to us. SLS is now demanding {$79000.00} before they will accept any payment on the loan. \n\nXX/XX/XXXX - Foreclosure paperwork is delivered to our home. \n\nXX/XX/XXXX - XXXX XXXX is retained as a second attorney to assist with a lawsuit in regards to the mismanagement of our loan and severe lack of communication from SLS. \n\nXX/XX/XXXX - Another loan modification application is sent in and is received by SLS on XX/XX/XXXX. \n\nXX/XX/XXXX - XXXX XXXX files our lawsuit. \n\nXX/XX/XXXX - a TRO is put on the sale of our home while XXXX XXXX XXXX reviews the case. \n\nXX/XX/XXXX - XXXX XXXX sends a response to SLS who stated on XX/XX/XXXX no postponement of foreclosure would occur. XXXX XXXX states that while a loan modification packet is in their possession and being reviewed, no foreclosure can take place, citing dual tracking. \n\nXX/XX/XXXX. XXXX - Opposing Counsel, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX contacts XXXX XXXX and offers a loan modification in exchange for dropping the lawsuit. \n\nXX/XX/XXXX - XXXX XXXX accepts the HAMP loan mod on our behalf, which requires three trial payments being mailed. \n\nXX/XX/XXXX - We sent in the first of three trial payments. Including in the mailing was a check from my XXXX card account, the necessary signed forms agreeing to the trial loan mod, and a letter from XXXX asking that any further communication be sent to our home address or phone number. The envelope was sent with a signature required for delivery. \n\nXX/XX/XXXX - Our second trial payment was sent in, along with the signed trial loan mod paperwork, another letter asking to be contacted at our home address, and a check from our  personal bank account. \n\nXX/XX/XXXX - Our third and final check, drawn from our personal bank account, was sent in with the necessary paperwork and another letter asking SLS to contact us directly, something they have failed to do from the get go. \n\nXX/XX/XXXX - We emailed XXXX XXXX inquiring as to why we hadnt heard from SLS regarding the trial loan mod. For the next couple of weeks, she emailed back and forth with opposing counsel, XXXX XXXX, about the checks. XXXX XXXX asked for proof of the payments being mailed in. After several weeks, we discovered SLS was sending correspondence to XXXX XXXX previous office address, ignoring our three requests for communication to come to our home address. SLS had cashed two of the payments, refusing to cash the check from XXXX XXXX card account, which would cash the same as a personal bank account check. XXXX XXXX said SLS demanded a personal bank check to be sent in. Meanwhile, SLS had canceled the trial loan mod after claiming payments were not sent in on time. Our signatures accepting the payments at SLSs XXXX XXXX, CO address says otherwise. Nowhere in the paperwork for the trial loan mod was there any stipulation of where the payments were drawn from. A replacement check was sent to SLS after waiting several days for XXXX XXXX to instruct us where  to send it. \n\nXX/XX/XXXX - XXXX XXXX, another XXXX XXXX XXXX XXXXXXXX counsel person writes that a letter dated XX/XX/XXXX from SLS rejects our trial loan mod. This letter was sent to an address no longer being used by XXXX XXXX. No communication was sent to XXXX or XXXX. \n\nXX/XX/XXXX - XXXX XXXX rejects XXXX XXXX counter and offers a walk away. \n\nXX/XX/XXXX - Another loan modification is completed and then sent in by XXXX XXXX on behalf of XXXX and XXXX. \n\nXX/XX/XXXX - The one and only piece of communication sent by SLS is attached to our door, in the form of a slip of paper asking XXXX to contact a SLS representative at a number verified to belong to SLS. \n\nXX/XX/XXXX - A class action lawsuit against SLS for their unlawful practices dealing with loan mods and mortgage fraud is filed. We are not affiliated with the lawsuit, but can relate to the claims. \n\nXX/XX/XXXX - After not receiving word on the last loan mod application we sent in, XXXX XXXX helps up complete another one and it is sent in by XXXX. \n\nXX/XX/XXXX - SLS denies our loan mod, sending the denial to an address not affiliated to XXXX or XXXX, XXXX XXXX, or XXXX XXXX. It is addressed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. This address is XXXX XXXX previous office address and has not been her office address for almost two years. Opposing counsel was made aware of this back in late XX/XX/XXXX when SLS was sending the trial loan mod check back to this incorrect address. Opposing counsel and SLS continued the practice of not updating their addresses on file, even when made aware of the change. Not only was the denial sent to the wrong address, there is no floor or office number, no mention of XXXX XXXX ( whose office it was two years prior ). It is unknown where the mail ended up, but XXXX XXXX is not the attorney who prepared our loan mod packet, XXXX XXXX is. There is no reasonable conclusion as to why SLS mailed the denial to this expired and incomplete address. \n\nXX/XX/XXXX - The court case is dismissed, as we were not allowed to enter all the new misconduct from SLS onto our original claim. \n\nXX/XX/XXXX - XXXX XXXX sends a letter to the Attorney General and the Consumer Protection Financial Bureau. SLS responds to XXXX XXXX saying they will only deal with XXXX XXXX. \n\nXX/XX/XXXX - Letters of foreclosure are delivered to XXXX and XXXX address. The amount due has gone from {$330000.00} to {$430000.00}. The sale date is XX/XX/XXXX. \n\nTo this date, SLS has not returned the money from the two checks they cashed during the trial loan mod in late XX/XX/XXXX. SLS also repeatedly refuses to disclose who holds the loan, stating they only service the loan. \n\nHopefully this timeline of events gives you an insight of what we have been dealing with for the past several years. The mental, emotional and physical stress we have endured has been taxing to say the least. We have been bombarded with solicitations through the phone, mail, and have even had men accost our daughter as she attempted to leave for school asking to speak to us about saving our home. We have spent countless nights trying to find a way to continue to make payments on our mortgage. XXXX has been physically ill due to the stress and worry over the home she has raised her children in being taken away while every request for proper review of IXXXX XXXX/SLSs oversights have fallen on deaf ears. We have spent tens of thousands of dollars on legal fees trying to save our home. \n\nWe are hoping those connected with the banks and firms involved in these events will take steps to correct the errors made by their staff in the past several years. As is always requested, please send any correspondence to our home address. We look forward to your prompt reply as this is a time sensitive matter with the sale date being less than four weeks away. \n\nThank you, XXXX and XXXX XXXX The included documents are listed in order below : * XXXX notice of transferring our loan to XXXX XXXX XXXXXXXX, a division of XXXX XXXX XXXX. \n( one page ) XXXX XXXX XXXXXXXX letter regarding amount owed as of XX/XX/XXXX ( one page ) *Jeffs letter to XXXX asking them to find the two missing payments from XX/XX/XXXX. (one page ) *XXXX proof of payment that was mailed to a complete stranger, XXXX XXXX of New Jersey . Included are the outside of both mailing envelopes, XXXX XXXX note to us, the statement showing both XX/XX/XXXX payments, and a letter from XXXX showing the incorrect address. ( four pages ) *XXXX XXXX XXXX XXXX letter stating XXXX is not  responding to any communication sent by XXXX . ( one page ) *Response letter from XXXX XXXX XXXX , where he incorrectly states our missing payments were from XX/XX/XXXX, a month after foreclosure had started. The two missing payments were made in XX/XX/XXXX. ( two pages ) *XXXX letter, sent to XXXX XXXX , who was representing us with our loan mod application with XXXX XXXX months earlier and had no dealing with SLS. ( two pages ) *Email from opposing counsel, XXXX XXXX , promising a loan mod in exchange for our lawsuit against SLS being dropped. ( two pages ) *SLSs loan mod paperwork sent to us. As laypersons, we could not find any mention of what type of check we were allowed to use. ( twenty pages ) *Our three trial payments for the loan mod. ( seventeen pages ) *SLSs denial of our loan sent to an address formally used as an office by XXXX XXXX , and XXXX XXXX had informed opposing counsel representing SLS that the address was no longer her office address at least eighteen months prior to this. The floor/office number is also missing from the address. ( three pages ) *SLSs response to XXXX XXXX complaint against SLS to the Consumer Financial Protection Bureau , including payment histories. ( ten pages )","date_sent_to_company":"2018-03-10T05:54:02.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92780","tags":null,"has_narrative":true,"complaint_id":"2838982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2018-03-10T00:42:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/XXXX - XXXX XXXX XXXX XXXX sends us a letter stating they are unable to assist due to the <em>fact</em> that our servicer failed to respond to their several requests for information, despite the <em>fact</em> that documents were signed by XXXX permitting XXXX XXXX XXXX XXXX to obtain said information. \n\nXX/XX/XXXX and XX/XX/XXXX - XXXX mails a letter to government and bank officials 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