{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":742,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4967891","_score":14.72202,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My PEP BOY Credit card without me being notified. I had a 30 late that was an error on my credit report.MY Identity was stolen was and a random account was on my credit report. I am filing small claims case in CALIFORNIA. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also filing a Doj complaint for XXXX discrimination. \nThe managers on the phone were very unprofessional transferring me around.","date_sent_to_company":"2021-12-02T14:03:16.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"94544","tags":"Servicemember","has_narrative":true,"complaint_id":"4967891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-12-02T13:38:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["My PEP BOY <em>Credit</em> card <em>without</em> me being notified. I had a 30 late that was an <em>error</em> on my <em>credit</em> report.MY Identity was stolen was and a random account was on my <em>credit</em> report. I am <em>filing</em> small claims case in <em>CALIFORNIA</em>. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also <em>filing</em> a Doj complaint for XXXX discrimination. \nThe managers on the phone were very unprofessional transferring me around."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[14.72202,"4967891"]},{"_index":"complaint-public-v1","_id":"20097891","_score":13.947184,"_source":{"product":"Debt collection","complaint_what_happened":"I am a graduate student disputing a {$3900.00} ambulance bill from XX/XX/XXXX. I am filing this complaint because Credence Resource Management ( XXXX ) has admitted to significant administrative and legal errors on a recorded call, yet they continue to pursue this debt while ignoring my formal dispute. \n\n1. Admission of Billing Negligence During a recorded call on XX/XX/XXXX, a manager at XXXX admitted that while the original medical records were correct, XXXX 's internal database had an incorrect Date of Birth ( DOB ) for me. This error caused my insurance ( XXXX XXXX, Subscriber : XXXX XXXX ) to reject the automated eligibility check. XXXX admitted they never filed a formal/manual claim to correct their own clerical error, thus depriving me of my insurance benefits. \n\n2. Violation of FDCPA ( Lack of Notice ) In the same call, the manager admitted that the original provider sent notices to a \" non-deliverable '' address and that XXXX had been mailing notices to XXXX, CA. I reside in XXXX XXXX, CA. Because XXXX sent legal notices to the wrong city, I never received the mandatory 30-day \" Validation Notice '' required under 15 U.S.C. 1692g.\n\n3. Inadequate Investigation I sent a detailed formal dispute letter citing these admissions. On [ Date ], XXXX replied with a boilerplate letter stating the \" charges are valid '' without addressing the specific mailing errors or billing negligence I raised. They failed to provide the itemized statement or proof of mailing I demanded.\n\n4. Deceptive Practices & California SB 1061 During the XX/XX/XXXX call, the agent attempted to coerce payment by mentioning \" damage to my credit. '' Under California SB 1061 ( Civil Code 1785.27 ), it is illegal to report medical debt to credit bureaus in California. Threatening an illegal action is a violation of the Rosenthal Act and the FDCPA.","date_sent_to_company":"2026-03-09T17:50:20.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"20097891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-03-09T17:35:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Deceptive Practices & <em>California</em> SB 1061 During the XX/XX/XXXX call, the agent attempted to coerce payment by mentioning \" damage to my <em>credit</em>. '' Under <em>California</em> SB 1061 ( Civil Code 1785.27 ), it is illegal to report medical debt to <em>credit</em> bureaus in <em>California</em>. Threatening an illegal action is a violation of the Rosenthal Act and the FDCPA."]},"sort":[13.947184,"20097891"]},{"_index":"complaint-public-v1","_id":"14438985","_score":13.335761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of a charged-off account by Foursight Capital originally associated with a balance of {$10000.00}. After submitting a previous dispute citing reporting inaccuracies, Foursight Capital failed to correct the error. Instead, they increased the reported balance to {$12000.00} without justification and illegally re-aged the charge-off date from XXXX to XXXX. This conduct is a direct violation of federal and California consumer protection laws, including : Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ), charge-offs must be removed 7 years from the original delinquency date. Re-aging, or falsely modifying the delinquency date to extend the reporting period, is illegal. Re-aging is prohibited. A creditor can not misrepresent the original date of delinquency to prolong the time a debt appears on a credit report. Violation of California Law ( Rosenthal Fair Debt Collection Practices Act RFDCPA ) Under California Civil Code 1788.17, which incorporates provisions of the federal Fair Debt Collection Practices Act ( FDCPA ), misrepresenting the character, amount, or legal status of a debt, including inflating a balance or falsifying dates, constitutes unlawful and deceptive conduct. Violation Through Inflated Balance Reporting The accounts balance has been increased from {$10000.00} to {$12000.00} without explanation, contract justification, or supporting documentation. This could violate California Civil Code 1788.13 ( e ), which prohibits false representations of the amount of a consumer debt. Request for IRS Form 1099-C Please provide copies of any IRS Form 1099-C filed for this account for tax years XXXX and XXXX. Issuing a 1099-C typically indicates cancellation of debt and may impact the legality of continued collections or reporting under IRS rules and the FCRA.","date_sent_to_company":"2025-07-03T23:22:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90806","tags":null,"has_narrative":true,"complaint_id":"14438985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-07-03T23:17:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After submitting a previous dispute citing reporting inaccuracies, Foursight Capital failed to correct the <em>error</em>. Instead, they increased the reported balance to {$12000.00} <em>without</em> justification and illegally re-aged the charge-off date from XXXX to XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[13.335761,"14438985"]},{"_index":"complaint-public-v1","_id":"5673976","_score":13.153088,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit Reporting Agencies refusing to investigate and putting personal statements as Dispute resolved ; consumer disagrees without investigating and providing required proof of investigation and without investigating. Sending Canned responses to consumers. \n\n\n\nRe : Duplicate erroneous accounts reporting and credit reporting agencies Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXX XXXX  XXXX on my credit report twice I wrote credit bureaus in XXXX and asked them to investigate a duplicate Error reporting on my credit report XXXX ( duplicate ) XXXX XXXX  XXXX, instead they refused to investigate and simply sent a blanket statement stating dispute resolved consumer disagrees. How is it right that they fail to investigate and simply allow 2 duplicate erroneous credit reportings to cause me harm and drag my credit down for over 4 years. \n\nMeanwhile as required by law, XXXX XXXX did not follow the FCRA and State of California debt collection practices by : Sending me a written notice with their name stating who was owed, and for what amount and giving me a 30 day period to acknowledge, confirm and dispute the validity of this debt. And in return you allowed this violation of law to continue causing me harm and violating my rights. \n\nI wrote both the credit reporting agencies Experian and XXXX and XXXX XXXX and asked that by law they all provide evidence of the error they were reporting on my credit file was a debt that belonged to me. I explained that had they followed the FCRA law by contacting me to verify the validity of this debt this matter could have been rightfully disputed and cleared up. They did not contact me to verify the validity of this debt. They simply started reporting erroneous info on my credit. \n\nAnd Instead of the credit reporting agencies investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. The credit reporting agencies let this error affect my credit history for over 48 months without looking at the proof that was sent. For years they allowed XXXX to negatively cause me harm. Causing damages to me. \n\nFurthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. Debt collectors can not attempt to collect a debt from California Residents longer than 4 years, let alone try to collect debt that does not belong to one of its residents. Yet the credit agencies continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to you since XXXX \n\nHow is any of this legal? \nHow is it legal for me exercising my rights by law asking the credit agencies to investigate and they reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. They allowed Duplicate erroneous account to drag my credit down for over 4 years with their refusal to investigate. \n\nHow many other consumers have suffered at the hand of their credit reporting as well? \n\nI am asking that they remove both of these erroneous accounts from under my name ASAP. If not provide the method that they investigated this, including documentation and proof and with whom and proof that XXXX XXXX fulfilled its obligation under the law by providing certified mail proof and receipt of sending me a written notice with their name stating who was owed, and for what amount and giving me a 30-day period to acknowledge, confirm and dispute the validity of this debt. \n\nXXXX XXXX XXXX CFPB and FCRA","date_sent_to_company":"2022-06-16T04:51:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5673976","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-16T04:51:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Credit</em> Reporting Agencies refusing to investigate and putting personal statements as Dispute resolved ; consumer disagrees <em>without</em> investigating and providing required proof of investigation and <em>without</em> investigating. Sending Canned responses to consumers."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[13.153088,"5673976"]},{"_index":"complaint-public-v1","_id":"7621403","_score":13.118755,"_source":{"product":"Debt collection","complaint_what_happened":"I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT APPEARING ON MY CREDIT FILE THAT IS NOT MINE. \n\nACCOUNT TO BE DELETED : 1. CREDIT COLLECTION SERVICES, # XXXX - Refer to your collection letter dated XX/XX/XXXX. I have never received a previous collection letter from CREDIT COLLECTION SERVICES violating my federal civil rights under the FDCPA by not allowing me to respond to their collection attempt. \n\n- Refer to my attached credit report where XXXX XXXX XXXX reported negative information on my credit file on XX/XX/XXXX, highlighted, to all three credit bureaus in direct violation of the FDCPA. This was three months before their attached XX/XX/XXXXXXXX  dated collection letter was sent to me via standard mail. \n\n- It should be noted that Credit Collection Services attempted to collect a debt in California without being licensed to conduct business in California per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my credit scores. I have had to pay an additional {$13000.00} on XXXXXXXX  to keep my escrow open due to this negative and errored information being reported to all three credit bureaus.","date_sent_to_company":"2023-10-02T19:29:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"91403","tags":null,"has_narrative":true,"complaint_id":"7621403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2023-10-02T18:50:41.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["- It should be noted that <em>Credit</em> Collection Services attempted to collect a debt in <em>California</em> <em>without</em> being licensed to conduct business in <em>California</em> per the Calffornia Secretary of State website, they debt was paid to XXXX XXXX XXXX in protest due to my XXXX XXXX dollar home purchase in escrow is in jeopardy of being canceled due to the above account dramatically affecting my <em>credit</em> scores."]},"sort":[13.118755,"7621403"]},{"_index":"complaint-public-v1","_id":"5673957","_score":13.100284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit Reporting Agencies refusing to investigate and putting personal statements as Dispute resolved ; consumer disagrees without investigating and providing required proof of investigation and without investigating. Sending Canned responses to consumers. \n\n\n\nRe : Duplicate erroneous accounts reporting and credit reporting agencies Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXX XXXX XXXXXXXX on my credit report twice I wrote credit bureaus in 2018 and asked them to investigate a duplicate Error reporting on my credit report XXXX ( duplicate ) XXXX XXXX XXXXXXXX, instead they refused to investigate and simply sent a blanket statement stating dispute resolved consumer disagrees. How is it right that they fail to investigate and simply allow XXXX duplicate erroneous credit reportings to cause me harm and drag my credit down for over 4 years. \n\nMeanwhile as required by law, XXXX XXXX did not follow the FCRA and State of California debt collection practices by : Sending me a written notice with their name stating who was owed, and for what amount and giving me a 30 day period to acknowledge, confirm and dispute the validity of this debt. And in return you allowed this violation of law to continue causing me harm and violating my rights. \n\nI wrote both the credit reporting agencies XXXX and Transunion and XXXX XXXX and asked that by law they all provide evidence of the error they were reporting on my credit file was a debt that belonged to me. I explained that had they followed the FCRA law by contacting me to verify the validity of this debt this matter could have been rightfully disputed and cleared up. They did not contact me to verify the validity of this debt. They simply started reporting erroneous info on my credit. \n\nAnd Instead of the credit reporting agencies investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. The credit reporting agencies let this error affect my credit history for over 48 months without looking at the proof that was sent. For years they allowed XXXX to negatively cause me harm. Causing damages to me. \n\nFurthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. Debt collectors can not attempt to collect a debt from California Residents longer than 4 years, let alone try to collect debt that does not belong to XXXX of its residents. Yet the credit agencies continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to you since XXXX \n\nHow is any of this legal? \nHow is it legal for me exercising my rights by law asking the credit agencies to investigate and they reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. They allowed Duplicate erroneous account to drag my credit down for over 4 years with their refusal to investigate. \n\nHow many other consumers have suffered at the hand of their credit reporting as well? \n\nI am asking that they remove both of these erroneous accounts from under my name ASAP. If not provide the method that they investigated this, including documentation and proof and with whom and proof that XXXX XXXX fulfilled its obligation under the law by providing certified mail proof and receipt of sending me a written notice with their name stating who was owed, and for what amount and giving me a XXXX period to acknowledge, confirm and dispute the validity of this debt. \n\nXXXX XXXX XXXX CFPB and FCRA","date_sent_to_company":"2022-06-16T04:51:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5673957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-16T04:41:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Credit</em> Reporting Agencies refusing to investigate and putting personal statements as Dispute resolved ; consumer disagrees <em>without</em> investigating and providing required proof of investigation and <em>without</em> investigating. Sending Canned responses to consumers."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[13.100284,"5673957"]},{"_index":"complaint-public-v1","_id":"10070958","_score":12.802132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject** : De4mand for Compliance with Constitutional, Federal , and California State Laws To Whom It May Concern, This is a formal notice from XXXX XXXX XXXX XXXX a man with unalienable rights guaranteed by the United States Constitution , Bill of Rights, and the laws of the State of California . I am hereby notifying and requiring the child support enforcement agency to comply with the laws of the United States and the State of California, specifically in accordance with due process protections as outlined by the U.S. Constitution and the California Constitution. \n\nAny actions taken by your agency without proper due process, including the unlawful seizure of property, are in violation of the Constitution and the laws of California unless the Title IV-D Collection Agency can provide evidence of a valid contract, signed by me, XXXX XXXX XXXX XXXX with my wet-ink signature, that authorizes such action. Furthermore, any warrants issued must be signed by a judicial officer within the judicial branch of the state or federal government who holds proper jurisdiction. Failure to comply with these laws constitutes violations under both federal and state law. \n\nXXXX XXXX XXXX Key Points of Law : 1. **Non-Judicial Actors Lack Authority** Support magistrates, assistant district attorneys, hearing officers, and other non-judicial actors presiding over expedited processes for support proceedings ( per 45 CFR 303.101 ) are not authorized under the law to issue warrants or support orders. Any such orders issued without proper judicial authority violate the Fourth Amendments protection against unlawful seizure of property and Californias due process protections as outlined in Article I, Section XXXX of the California Constitution. Such orders are void and without legal force. Moreover, under California Government Code XXXX, expedited processes can not lawfully deprive any person of their property without full adherence to due process protections. \n\n2. **Income Withholding Orders Require Judicial Review** Income Withholding Orders ( IWO ) must be reviewed and confirmed by a judge in accordance with 28 USC Section 1691 and California Family Code 5246. Any IWO issued without a judicial signature is an incomplete written instrument and, therefore, constitutes forgery under California Penal Code 470. I require confirmation that all support orders and IWOs issued by your agency are compliant with these legal requirements. \n\n3. **Fair Debt Collection Practices Act ( FDCPA ) Compliance** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC Section 1692 ( g ), and Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I demand immediate validation of any debt you are attempting to collect. As a third-party debt collector, your agency is required by law to provide a valid validation of debt. A mere accounting summary or unsigned support order is insufficient. Validation must include physical evidence of my wet-ink signature on a Title IV-D contract. Without this, any actions taken to collect the alleged debt are unlawful under both federal and state consumer protection laws. \n\nXXXX. **Obligations Under 42 USC 606, California Family Code 17400, and 42 USC 1986** Your agency must demonstrate that any debt you claim to collect is backed by evidence of a federal loan to the state and that such loan has not been wrongfully passed onto me, a private citizen, without my consent. Failure to comply with these statutes and unlawfully collecting debts from private individuals will result in legal consequences under 42 USC 1986, which holds government officials accountable for failure to prevent harm. Additionally, under California Family Code 17400, child support enforcement actions must be conducted lawfully and fairly, and any misrepresentation or mishandling of debts owed to the state or federal government will be subject to legal scrutiny. \n\nXXXX XXXX XXXX  Violations of California Law : 1. **California Constitution, Article I, Section 7** : This section of the California Constitution ensures that no person is deprived of life, liberty, or property without due process of law. Your agencys actions, if taken without a valid court order and due process protections, violate this constitutional right. \n\nXXXX. **California Family Code 17400** : This code governs child support enforcement and requires that child support agencies conduct their operations within the bounds of the law. Any failure to adhere to due process requirements or to validate debts as required under federal law violates this section of the California Family Code. \n\nXXXX. **California Civil Code 1788 et seq. ( Rosenthal Act ) ** : Under the Rosenthal Act, your agency, as a debt collector, is subject to strict requirements regarding debt validation, proper communication, and consumer rights. Any unlawful collection practices, such as attempting to collect a debt without proper validation, will be subject to penalties under this statute. \n\nXXXX. **California Penal Code 470 ( Forgery ) ** : Issuing an income withholding order or any other legal document without proper judicial review and a valid signature constitutes forgery under California Penal Code 470. This is a serious criminal offense, and any forged orders will be reported for prosecution. \n\nXXXX. **California Business and Professions Code XXXX ( Unfair Competition Law ) ** : Any unlawful, unfair, or fraudulent business acts, including illegal debt collection practices, may constitute violations under Californias Unfair Competition Law. Your agency may face civil penalties if found in violation of this statute. \n\nXXXX XXXX XXXX Demand for Cease and Desist : You are hereby ordered to cease and desist all collection efforts until you can provide physical evidence, validated through proper legal channels, of the following : XXXX. A true and legally enforceable court order, containing a judicial signature, issued in accordance with 28 USC Section 1691 and California Family Code XXXX. \nXXXX. Validation of the alleged debt in accordance with FDCPA ( 15 USC Section 1692 ( g ) ) and California Civil Code XXXX. \nXXXX. A true copy of the assignment of rights by the custodial parent to the state, making the state the creditor, pursuant to California Family Code XXXX. \n\nFailure to comply with these demands within 15 days of receipt of this notice will be deemed an intentional act of fraud. Your continued silence on this matter will be taken as an admission that no consumer liability exists, in accordance with the FDCPA and the Rosenthal Act. \n\n**Legal Consequences** : Any unlawful actions to seize property or collect alleged debts without proper evidence and validation will result in both criminal and civil actions being taken against your agency and any individuals involved. Crimes such as forgery, fraud, and violation of constitutional rights will be prosecuted to the full extent of the law. Furthermore, refusal by law enforcement officers to investigate these crimes will result in civil complaints against both the officers and their departments under 42 USC 1986 and California law. \n\nXXXX XXXX XXXX  Final Notice : This letter serves as your final notice to cease all collection efforts and provide the legally required validation and documentation. Failure to comply will result in legal action against your agency. \n\nSincerely, **XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX Key Data from Your Credit Report : - **Account Name** : XXXX XXXX District Attorney 's Office XXXX XXXX XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Account Status** : Open, 120 days past due ( as of XX/XX/XXXX ) - **Balance** : {$47000.00} ( as of XX/XX/XXXX ) - **Reported Balance** : {$47000.00} ( as of XX/XX/XXXX ) - **Monthly Payment** : {$0.00} - **Last Payment** : XX/XX/XXXX - **Payment History** : 38 % of payments made on time, with a worst payment status of XXXX days late. \n- **Remarks** : Open, Child Support, Individual Responsibility - **Reported By** : XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX Identified Errors and Violations XXXX XXXX XXXX XXXX  1. **Erroneous Reporting of Balance** - The reported balances are inconsistent. The balance was reported as {$47000.00} in XX/XX/XXXX, yet the reported balance in XX/XX/XXXX is {$47000.00}. This discrepancy of {$800.00} without any explanation or breakdown constitutes an error in accurate reporting. \n- **Violation** : - **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates credit reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. \n\nXXXX XXXX XXXX XXXX XXXX **Failure to Update Account Status** - Despite the account being paid down to {$0.00} and the monthly payment reflecting {$0.00}, the status is listed as \" 120 days past due '' in XX/XX/XXXX and \" worst payment status XXXX days late. '' This indicates a failure to update the account to reflect its correct standing. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to correct or remove inaccurate information from a consumers report once it has been disputed. The failure to update the account status to \" current '' is a violation of this statute. \n- **California Consumer Credit Reporting Agencies Act ( CCCRAA ) **, California Civil Code XXXX ( b ) : Failure to ensure the account status is properly updated, especially after an account is brought current or paid off, violates the XXXX XXXX requirement for accurate reporting. \n\nXXXX XXXX XXXX XXXX XXXX. **Lack of Explanation or Breakdown for Balance** - There is no explanation provided for how the balance increased by {$800.00} between XX/XX/XXXX and XX/XX/XXXX, even though the monthly payment is {$0.00} and there are no mentions of interest accrual or fees. This lack of clarity in the report violates transparency principles. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681g ( a ) ( 1 ) : Credit reporting agencies are required to provide clear and accurate information in the consumer report, including all accounts and transactions. The unexplained discrepancy in the balance fails to meet this standard. \n\nXXXX XXXX XXXX XXXX XXXX XXXX*Failure to Validate Debt Under FDCPA** - If this debt was incorrectly transferred from a private obligation into child support without proper legal validation or a court order, it would constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). The absence of a wet-ink signature, court order, or proper validation as required by **15 U.S.C. 1692g** would make the reporting of this debt illegal. \n- **Violation** : - **FDCPA**, 15 U.S.C. 1692g : This law requires debt collectors to validate a debt before attempting to collect or report it. Failing to validate this debt and providing false representations is a clear violation. \n\nXXXX XXXX XXXX XXXX XXXX. **Failure to Reflect Proper Payments** - The report indicates only 38 % of payments made on time, yet it appears you made payments up until XX/XX/XXXX. The failure to reflect these payments in your payment history means the report is not accurately representing the account 's status. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure the accuracy of the reported information, including the accurate reflection of payment history. \n\nXXXX XXXX XXXX XXXX XXXX. **Failure to Provide Complete Account Information** - The credit report lacks necessary details about how the balance was calculated, whether there were any administrative adjustments, fees, or interest charges applied to the account. The absence of these details leaves the report incomplete. \n- **Violation** : - **California Civil Code XXXX  : This section requires credit reporting agencies to provide complete and accurate information about an account, including how balances are calculated. Failure to provide these details is a violation of California consumer law. \n\n# # # Constitutional and Contractual Issues XXXX XXXX XXXX XXXX XXXX. **Unconstitutional Actions by the Child Support Agency** - The XXXX XXXX District Attorney 's Office acting without proper judicial oversight to seize assets or report debts without a valid court order violates the **Due Process Clause** of the **14th Amendment** of the United States Constitution. Any attempt to collect child support without judicial review and confirmation, as required by **28 U.S.C. 1691**, is unconstitutional. \n\nXXXX XXXX XXXX XXXX  XXXX. **Separation of Powers** - Administrative actions without court validation, such as expedited processes or the failure to have a judges signature on child support orders, violate the separation of powers doctrine, as only judicial officers are authorized to issue binding orders for debt collection. \n\nXXXX XXXX XXXX Dispute of Inaccuracies : Based on the aforementioned errors and violations, the following specific inaccuracies are being disputed : 1. **Incorrect Balance Reporting** : The report contains XXXX different balances for the same account within a one-month period with no explanation or justification. \nXXXX. **Failure to Update Account Status** : The account status remains listed as delinquent, even though there is a {$0.00} balance and no payments are currently due. \nXXXX. **Unexplained Balance Discrepancy** : The increase in balance without any explanation violates the requirement for clear and accurate reporting. \nXXXX. **Failure to Validate Debt** : No proper validation of the child support debt, as required under FDCPA, has been provided. \nXXXX. **Incomplete Payment History** : The report fails to accurately reflect payments made up until XX/XX/XXXX. \nXXXX. **Lack of Transparency** : The credit report does not provide sufficient details to explain the account status, how balances are calculated, or if there are any accrued charges, interest, or fees. \n\nXXXX XXXX XXXX  Conclusion and Legal Implications TransUnion, XXXX XXXX XXXX, and all associated parties have violated multiple consumer protection laws, including but not limited to : XXXX. **FCRA ( 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ) ** : By failing to ensure the maximum accuracy of the reported information, failing to correct errors, and not conducting reasonable investigations after disputes were filed. \nXXXX. **FDCPA ( 15 U.S.C. 1692g ) ** : By reporting a debt that has not been validated. \nXXXX. XXXX ( California Civil Code XXXX ( b ) & XXXX ) ** : By failing to provide accurate and complete information and failing to ensure the accuracy of the report. \n\nXXXX XXXX XXXX Actions to Be Taken : XXXX. **Immediate Removal of Incorrect Information** : I request the immediate removal of all erroneous information related to the XXXX XXXX XXXX account from my credit report. \nXXXX. **Correction of Payment History and Account Status** : Update the payment history to reflect all payments made through XX/XX/XXXX and correct the account status to reflect the current balance and payment status accurately. \nXXXX. **Validation of Debt** : Provide complete validation of the alleged child support debt, including judicial orders with proper signatures. \nXXXX. XXXX*Cease Reporting of Inaccurate Information** : Cease any further reporting of this inaccurate and unvalidated debt. \n\nShould TransUnion or the XXXX XXXX XXXX fail to take immediate corrective actions, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). Further violations of consumer laws could result in penalties, civil lawsuits, and claims for statutory, actual, and punitive damages, as well as legal costs. \n\n\nNotice to TransUnion Regarding Unlawful Reporting of Inaccurate Information To Whom It May Concern, This letter also serves as a formal notice to TransUnion, in accordance with federal and California state laws governing credit reporting, that you are required to immediately cease and desist from reporting any unvalidated and inaccurate information related to the alleged child support debt claimed by the Title IV-D Collection Agency . \nFailure to comply with the laws governing credit reporting will result in legal action, as outlined below : Violations of Federal and State Laws : 1 Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies like TransUnion ensure the accuracy and integrity of the information they report. Under15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. If TransUnion reports any inaccurate information related to the alleged child support debt, without proper validation or evidence of a legal obligation, they are in violation of the FCRA.Additionally, under15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of the disputed information if the consumer disputes the accuracy of the reported data. Failure to reinvestigate or remove inaccurate information violates this section of the FCRA.Penalties for Violating the FCRA : TransUnion could face significant legal consequences if they fail to comply with the FCRA : Civil Penalties : Under15 U.S.C. 1681n, TransUnion may be liable for actual damages, statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), and punitive damages for willful violations of the FCRA. They may also be responsible for covering reasonable attorney 's fees and costs incurred by the consumer in enforcing their rights. \nNegligence : Under15 U.S.C. 1681o, TransUnion could also be liable for damages and legal fees due to negligent noncompliance with the FCRA. \nXXXX California Consumer Credit Reporting Agencies Act ( XXXX  ) - California Civil Code XXXX XXXX XXXX XXXX imposes similar obligations on credit reporting agencies operating in California. UnderCalifornia Civil Code XXXX ( b ), credit reporting agencies must ensure the accuracy of the information they report. TransUnions failure to verify the alleged debt before reporting it constitutes a violation of this statute.UnderCalifornia Civil Code XXXX, upon notification by the consumer of disputed information, TransUnion is required to conduct an immediate reinvestigation. Failure to conduct a timely and adequate reinvestigation constitutes a violation of the XXXX.Penalties for Violating the XXXX  : Civil Penalties : TransUnion may be held liable for actual damages and punitive damages underCalifornia Civil Code XXXX. Additionally, the credit reporting agency may be subject to penalties up to {$5000.00} for willful violations, as well as attorney 's fees and costs. \nNegligent Violations : Under the XXXX, TransUnion may also be liable for negligent noncompliance, with penalties including actual damages and legal fees. \nXXXX California Unfair Competition Law ( UCL ) - California Business and Professions Code XXXX et seq.If TransUnion continues to report unvalidated, inaccurate, or misleading information, this could constitute an unfair business practice under California 's Unfair Competition Law. Reporting inaccurate information knowingly or failing to correct such errors may be considered fraudulent, unfair, or unlawful under the UCL.Penalties for Violating the UCL : Civil Penalties : Under the XXXX, TransUnion may face civil penalties up to {$2500.00} per violation, as well as potential injunctions or orders for restitution to prevent further unlawful practices. In addition, legal costs and fees may be awarded to the affected consumer. \nDemand for Compliance : You are hereby ordered to immediately cease and desist from reporting the alleged debt in question, pending full validation of the debt by the child support enforcement agency, in accordance with the FDCPA, the FCRA, and the CCCRAA. The following is required : XXXX Immediate Removal of Inaccurate Information : TransUnion must remove any inaccurate or unvalidated information related to this alleged child support debt from my credit report until proof of a legally enforceable court order, containing a judicial signature, is provided. \nXXXX Reinvestigation of Disputed Information : TransUnion must reinvestigate any and all disputed information, ensuring compliance with the FCRA and XXXX. Failure to reinvestigate or correct inaccuracies will be considered a willful violation of federal and state law. \nXXXX Verification of Debt : TransUnion must verify that the alleged debt has been validated in accordance with the FDCPA and 15 USC 1692 ( g ), ensuring that the debt has been proven with a court order containing a judicial signature. \nConsequences for Non-Compliance : Failure to comply with these demands will result in legal action. If TransUnion continues to report unvalidated or inaccurate information on my credit report, I will pursue the following : Civil Lawsuit : A civil lawsuit will be filed under the FCRA and CCCRAA for actual, statutory, and punitive damages. I will seek the maximum penalties allowed by law, including attorneys fees and court costs. \nRegulatory Action : Complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and the California Attorney General. These agencies have the authority to investigate and take enforcement actions against credit reporting agencies that violate consumer protection laws. \nPublic Disclosure : I reserve the right to disclose these violations to the public and media, further exposing TransUnions unlawful practices in handling consumer data and reporting unvalidated debts. \nFinal Warning : This letter constitutes a final warning to TransUnion to comply with federal and California state laws regarding credit reporting and consumer protection. You have 15 days from receipt of this letter to remove any inaccurate information from my credit report and provide validation of the alleged debt. Failure to comply will result in legal action. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-09-10T16:32:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10070958","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-10T16:31:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX <em>California</em> Consumer <em>Credit</em> Reporting Agencies Act ( XXXX  ) - <em>California</em> Civil Code XXXX XXXX XXXX XXXX imposes similar obligations on <em>credit</em> reporting agencies operating in <em>California</em>. Under<em>California</em> Civil Code XXXX ( b ), <em>credit</em> reporting agencies must ensure the accuracy of the information they report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.802132,"10070958"]},{"_index":"complaint-public-v1","_id":"10070914","_score":12.722061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject** : De4mand for Compliance with Constitutional, Federal , and California State Laws To Whom It May Concern, This is a formal notice from XXXX XXXX XXXX XXXX a man with unalienable rights guaranteed by the United States Constitution , Bill of Rights, and the laws of the State of California . I am hereby notifying and requiring the child support enforcement agency to comply with the laws of the United States and the State of California, specifically in accordance with due process protections as outlined by the U.S. Constitution and the California Constitution. \n\nAny actions taken by your agency without proper due process, including the unlawful seizure of property, are in violation of the Constitution and the laws of California unless the Title IV-D Collection Agency can provide evidence of a valid contract, signed by me, XXXX XXXX XXXX XXXX with my wet-ink signature, that authorizes such action. Furthermore, any warrants issued must be signed by a judicial officer within the judicial branch of the state or federal government who holds proper jurisdiction. Failure to comply with these laws constitutes violations under both federal and state law. \n\n# # # Key Points of Law : 1. **Non-Judicial Actors Lack Authority** Support magistrates, assistant district attorneys, hearing officers, and other non-judicial actors presiding over expedited processes for support proceedings ( per 45 CFR 303.101 ) are not authorized under the law to issue warrants or support orders. Any such orders issued without proper judicial authority violate the Fourth Amendments protection against unlawful seizure of property and Californias due process protections as outlined in Article I, Section 7 of the California Constitution. Such orders are void and without legal force. Moreover, under California Government Code XXXX, expedited processes can not lawfully deprive any person of their property without full adherence to due process protections. \n\nXXXX. **Income Withholding Orders Require Judicial Review** Income Withholding Orders ( IWO ) must be reviewed and confirmed by a judge in accordance with 28 USC Section 1691 and California Family Code 5246. Any IWO issued without a judicial signature is an incomplete written instrument and, therefore, constitutes forgery under California Penal Code 470. I require confirmation that all support orders and IWOs issued by your agency are compliant with these legal requirements. \n\nXXXX. **Fair Debt Collection Practices Act ( FDCPA ) Compliance** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC Section 1692 ( g ), and Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I demand immediate validation of any debt you are attempting to collect. As a third-party debt collector, your agency is required by law to provide a valid validation of debt. A mere accounting summary or unsigned support order is insufficient. Validation must include physical evidence of my wet-ink signature on a Title IV-D contract. Without this, any actions taken to collect the alleged debt are unlawful under both federal and state consumer protection laws.\n\n4. **Obligations Under 42 USC 606, California Family Code 17400, and 42 USC 1986** Your agency must demonstrate that any debt you claim to collect is backed by evidence of a federal loan to the state and that such loan has not been wrongfully passed onto me, a private citizen, without my consent. Failure to comply with these statutes and unlawfully collecting debts from private individuals will result in legal consequences under 42 USC 1986, which holds government officials accountable for failure to prevent harm. Additionally, under California Family Code 17400, child support enforcement actions must be conducted lawfully and fairly, and any misrepresentation or mishandling of debts owed to the state or federal government will be subject to legal scrutiny. \n\n# # # Violations of California Law : 1. **California Constitution, Article I, Section 7** : This section of the California Constitution ensures that no person is deprived of life, liberty, or property without due process of law. Your agencys actions, if taken without a valid court order and due process protections, violate this constitutional right.\n\n2. **California Family Code 17400** : This code governs child support enforcement and requires that child support agencies conduct their operations within the bounds of the law. Any failure to adhere to due process requirements or to validate debts as required under federal law violates this section of the California Family Code.\n\n3. **California Civil Code 1788 et seq. ( Rosenthal Act ) ** : Under the Rosenthal Act, your agency, as a debt collector, is subject to strict requirements regarding debt validation, proper communication, and consumer rights. Any unlawful collection practices, such as attempting to collect a debt without proper validation, will be subject to penalties under this statute.\n\n4. **California Penal Code 470 ( Forgery ) ** : Issuing an income withholding order or any other legal document without proper judicial review and a valid signature constitutes forgery under California Penal Code 470. This is a serious criminal offense, and any forged orders will be reported for prosecution. \n\nXXXX. XXXX XXXX and Professions Code XXXX ( Unfair Competition Law ) ** : Any unlawful, unfair, or fraudulent business acts, including illegal debt collection practices, XXXX constitute violations under Californias Unfair Competition Law. Your agency XXXX face civil penalties if found in violation of this statute. \n\n# # # Demand for Cease and Desist : You are hereby ordered to cease and desist all collection efforts until you can provide physical evidence, validated through proper legal channels, of the following : XXXX. A true and legally enforceable court order, containing a judicial signature, issued in accordance with 28 USC Section 1691 and California Family Code 5246.\n\n2. Validation of the alleged debt in accordance with FDCPA ( 15 USC Section 1692 ( g ) ) and California Civil Code 1788. \nXXXX. A true copy of the assignment of rights by the custodial parent to the state, making the state the creditor, pursuant to California Family Code 17400. \n\nFailure to comply with these demands within 15 days of receipt of this notice will be deemed an intentional act of fraud. Your continued silence on this matter will be taken as an admission that no consumer liability exists, in accordance with the F\n\nDCPA and the Rosenthal Act. **Legal Consequences** : Any unlawful actions to seize property or collect alleged debts without proper evidence and validation will result in both criminal and civil actions being taken against your agency and any individuals involved. Crimes such as forgery, fraud, and violation of constitutional rights will be prosecuted to the full extent of the law. Furthermore, refusal by law enforcement officers to investigate these crimes will result in civil complaints against both the officers and their departments under 42 USC 1986 and California law. \n\n# # # Final Notice : This letter serves as your final notice to cease all collection efforts and provide the legally required validation and documentation. Failure to comply will result in legal action against your agency. \n\nSincerely, **Raymond XXXX XXXX XXXX - # # # Key Data from Your Credit Report : - **Account Name** : XXXX XXXX District Attorney XXXX XXXX XXXX XXXX XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Account Status** : Open, 120 days past due ( as of XX/XX/XXXX ) - **Balance** : {$47000.00} ( as of XX/XX/XXXX ) - **Reported Balance** : {$47000.00} ( as of XX/XX/XXXX ) - **Monthly Payment** : {$0.00} - **Last Payment** : XX/XX/XXXX - **Payment History** : 38 % of payments made on time, with a worst payment status of XXXX days late. \n- **Remarks** : Open, Child Support, Individual Responsibility - **Reported By** : XXXX XXXX District Attorney XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX # # # Identified Errors and Violations # # # # XXXX. XXXX*Erroneous Reporting of Balance** - The reported balances are inconsistent. The balance was reported as {$47000.00} in XX/XX/XXXX, yet the reported balance in XX/XX/XXXX is {$47000.00}. This discrepancy of {$800.00} without any explanation or breakdown constitutes an error in accurate reporting. \n- **Violation** : - **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates credit reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. \n\n# # # # XXXX. **Failure to Update Account Status** - Despite the account being paid down to {$0.00} and the monthly payment reflecting {$0.00}, the status is listed as \" 120 days past due '' in XX/XX/XXXX and \" worst payment status XXXX days late. '' This indicates a failure to update the account to reflect its correct standing. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to correct or remove inaccurate information from a consumers report once it has been disputed. The failure to update the account status to \" current '' is a violation of this statute.\n\n- **California Consumer Credit Reporting Agencies Act ( XXXX  ) **, California Civil Code XXXX ( b ) : Failure to ensure the account status is properly updated, especially after an account is brought current or paid off, violates the XXXX XXXX requirement for accurate reporting. \n\n# # # # XXXX. **Lack of Explanation or Breakdown for Balance** - There is no explanation provided for how the balance increased by {$800.00} between XX/XX/XXXX and XX/XX/XXXX, even though the monthly payment is {$0.00} and there are no mentions of interest accrual or fees. This lack of clarity in the report violates transparency principles. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681g ( a ) ( 1 ) : Credit reporting agencies are required to provide clear and accurate information in the consumer report, including all accounts and transactions. The unexplained discrepancy in the balance fails to meet this standard. \n\n# # # # XXXX. **Failure to Validate Debt Under FDCPA** - If this debt was incorrectly transferred from a private obligation into child support without proper legal validation or a court order, it would constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). The absence of a wet-ink signature, court order, or proper validation as required by **15 U.S.C. 1692g** would make the reporting of this debt illegal.\n\n- **Violation** : - **FDCPA**, 15 U.S.C. 1692g : This law requires debt collectors to validate a debt before attempting to collect or report it. Failing to validate this debt and providing false representations is a clear violation. \n\n# # # # XXXX. **Failure to Reflect Proper Payments** - The report indicates only 38 % of payments made on time, yet it appears you made payments up until XX/XX/XXXX. The failure to reflect these payments in your payment history means the report is not accurately representing the account 's status. \n- **Violation** : - **FCRA**, 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure the accuracy of the reported information, including the accurate reflection of payment history.\n\n# # # # 6. **Failure to Provide Complete Account Information** - The credit report lacks necessary details about how the balance was calculated, whether there were any administrative adjustments, fees, or interest charges applied to the account. The absence of these details leaves the report incomplete. \n- **Violation** : - **California Civil Code XXXX : This section requires credit reporting agencies to provide complete and accurate information about an account, including how balances are calculated. Failure to provide these details is a violation of California consumer law. \n\n# # # Constitutional and Contractual Issues XXXX XXXX XXXX XXXX XXXX. **Unconstitutional Actions by the Child Support Agency** - The XXXX XXXX District Attorney 's Office acting without proper judicial oversight to seize assets or report debts without a valid court order violates the **Due Process Clause** of the **14th Amendment** of the United States Constitution. Any attempt to collect child support without judicial review and confirmation, as required by **28 U.S.C. 1691**, is unconstitutional. \n\n# # # # XXXX. **Separation of Powers** - Administrative actions without court validation, such as expedited processes or the failure to have a judges signature on child support orders, violate the separation of powers doctrine, as only judicial officers are authorized to issue binding orders for debt collection. \n\n# # # Dispute of Inaccuracies : Based on the aforementioned errors and violations, the following specific inaccuracies are being disputed : 1. **Incorrect Balance Reporting** : The report contains XXXX different balances for the same account within a one-month period with no explanation or justification. \nXXXX. **Failure to Update Account Status** : The account status remains listed as delinquent, even though there is a {$0.00} balance and no payments are currently due. \nXXXX. **Unexplained Balance Discrepancy** : The increase in balance without any explanation violates the requirement for clear and accurate reporting. \nXXXX. **Failure to Validate Debt** : No proper validation of the child support debt, as required under FDCPA, has been provided.\n\n5. **Incomplete Payment History** : The report fails to accurately reflect payments made up until XX/XX/XXXX. \nXXXX. **Lack of Transparency** : The credit report does not provide sufficient details to explain the account status, how balances are calculated, or if there are any accrued charges, interest, or fees. \n\n# # # Conclusion and Legal Implications TransUnion, XXXX XXXX XXXX, and all associated parties have violated multiple consumer protection laws, including but not limited to : 1. **FCRA ( 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ) ** : By failing to ensure the maximum accuracy of the reported information, failing to correct errors, and not conducting reasonable investigations after disputes were filed.\n\n2. **FDCPA ( 15 U.S.C. 1692g ) ** : By reporting a debt that has not been validated. \nXXXX. XXXX ( California Civil Code 1XXXX ( b ) & XXXX ) ** : By failing to provide accurate and complete information and failing to ensure the accuracy of the report. \n\n# # # Actions to Be Taken : XXXX. **Immediate Removal of Incorrect Information** : I request the immediate removal of all erroneous information related to the XXXX XXXX XXXX account from my credit report. \nXXXX. **Correction of Payment History and Account Status** : Update the payment history to reflect all payments made through XX/XX/XXXX and correct the account status to reflect the current balance and payment status accurately. \nXXXX. **Validation of Debt** : Provide complete validation of the alleged child support debt, including judicial orders with proper signatures. \nXXXX. **Cease Reporting of Inaccurate Information** : Cease any further reporting of this inaccurate and unvalidated debt. \n\nShould TransUnion or the XXXX XXXX XXXX fail to take immediate corrective actions, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). Further violations of consumer laws could result in penalties, civil lawsuits, and claims for statutory, actual, and punitive damages, as well as legal costs. \n\n\nNotice to TransUnion Regarding Unlawful Reporting of Inaccurate Information To Whom It May Concern, This letter also serves as a formal notice to TransUnion, in accordance with federal and California state laws governing credit reporting, that you are required to immediately cease and desist from reporting any unvalidated and inaccurate information related to the alleged child support debt claimed by the Title IV-D Collection Agency . \nFailure to comply with the laws governing credit reporting will result in legal action, as outlined below : Violations of Federal and State Laws : 1 Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies like TransUnion ensure the accuracy and integrity of the information they report. Under15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. If TransUnion reports any inaccurate information related to the alleged child support debt, without proper validation or evidence of a legal obligation, they are in violation of the FCRA.Additionally, under15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of the disputed information if the consumer disputes the accuracy of the reported data. Failure to reinvestigate or remove inaccurate information violates this section of the FCRA.Penalties for Violating the FCRA : TransUnion could face significant legal consequences if they fail to comply with the FCRA : Civil Penalties : Under15 U.S.C. 1681n, TransUnion may be liable for actual damages, statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), and punitive damages for willful violations of the FCRA. They may also be responsible for covering reasonable attorney 's fees and costs incurred by the consumer in enforcing their rights. \nNegligence : Under15 U.S.C. 1681o, TransUnion could also be liable for damages and legal fees due to negligent noncompliance with the FCRA.\n\n2 California Consumer Credit Reporting Agencies Act ( XXXX  ) - California Civil Code XXXX XXXX XXXX XXXX imposes similar obligations on credit reporting agencies operating in California. XXXX XXXX XXXX XXXX ( b ), credit reporting agencies must ensure the accuracy of the information they report. TransUnions failure to verify the alleged debt before reporting it constitutes a violation of this statute.UnderCalifornia Civil Code XXXX, upon notification by the consumer of disputed information, TransUnion is required to conduct an immediate reinvestigation. Failure to conduct a timely and adequate reinvestigation constitutes a violation of the XXXX.Penalties for Violating the XXXX  : Civil Penalties : TransUnion may be held liable for actual damages and punitive damages underCalifornia Civil Code XXXX. Additionally, the credit reporting agency may be subject to penalties up to {$5000.00} for willful violations, as well as attorney 's fees and costs. \nNegligent Violations : Under the XXXX, TransUnion may also be liable for negligent noncompliance, with penalties including actual damages and legal fees. \nXXXX California Unfair Competition Law ( XXXX  ) - California Business and Professions Code XXXX et seq.If TransUnion continues to report unvalidated, inaccurate, or misleading information, this could constitute an unfair business practice under California 's Unfair Competition Law. Reporting inaccurate information knowingly or failing to correct such errors may be considered fraudulent, unfair, or unlawful under the XXXX.Penalties for Violating the XXXX  : Civil Penalties : Under the XXXX, TransUnion may face civil penalties up to {$2500.00} per violation, as well as potential injunctions or orders for restitution to prevent further unlawful practices. In addition, legal costs and fees may be awarded to the affected consumer. \nDemand for Compliance : You are hereby ordered to immediately cease and desist from reporting the alleged debt in question, pending full validation of the debt by the child support enforcement agency, in accordance with the FDCPA, the FCRA, and the XXXX. The following is required : XXXX Immediate Removal of Inaccurate Information : TransUnion must remove any inaccurate or unvalidated information related to this alleged child support debt from my credit report until proof of a legally enforceable court order, containing a judicial signature, is provided. \nXXXX Reinvestigation of Disputed Information : TransUnion must reinvestigate any and all disputed information, ensuring compliance with the FCRA and XXXX. Failure to reinvestigate or correct inaccuracies will be considered a willful violation of federal and state law. \nXXXX Verification of Debt : TransUnion must verify that the alleged debt has been validated in accordance with the FDCPA and 15 USC 1692 ( g ), ensuring that the debt has been proven with a court order containing a judicial signature. \nConsequences for Non-Compliance : Failure to comply with these demands will result in legal action. If TransUnion continues to report unvalidated or inaccurate information on my credit report, I will pursue the following : Civil Lawsuit : A civil lawsuit will be filed under the FCRA and XXXX  for actual, statutory, and punitive damages. I will seek the maximum penalties allowed by law, including attorneys fees and court costs. \nRegulatory Action : Complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and the California Attorney General. These agencies have the authority to investigate and take enforcement actions against credit reporting agencies that violate consumer protection laws. \nPublic Disclosure : I reserve the right to disclose these violations to the public and media, further exposing TransUnions unlawful practices in handling consumer data and reporting unvalidated debts. \nFinal Warning : This letter constitutes a final warning to TransUnion to comply with federal and California state laws regarding credit reporting and consumer protection. You have 15 days from receipt of this letter to remove any inaccurate information from my credit report and provide validation of the alleged debt. Failure to comply will result in legal action. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-09-10T16:32:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10070914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-10T16:31:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This discrepancy of {$800.00} <em>without</em> any explanation or breakdown constitutes an <em>error</em> in accurate reporting. \n- **Violation** : - **Fair <em>Credit</em> Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates <em>credit</em> reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. \n\n# # # # XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.722061,"10070914"]},{"_index":"complaint-public-v1","_id":"12431319","_score":12.632317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX and Equifax Information Services LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Californias Consumer Credit Reporting Agencies Act ( CCCRAA ), Civil Code 1785.1 et seq. The violations include failure to conduct a proper reinvestigation, continued reporting of inaccurate information, and failure to provide verification documents as required by law.\n\nViolations and Applicable Laws Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Despite multiple disputes, both XXXX and Equifax have failed to provide adequate verification of fraudulent accounts and unauthorized inquiries.\n\nThe agencies continue to report erroneous and unverifiable information without demonstrating compliance with federal verification requirements.\n\nReporting Inaccurate and Unverifiable Accounts ( 15 U.S.C. 1681e ( b ) ) The bureaus have reported the following accounts with discrepancies in payment status, open dates, and lack of proper notification across reporting entities : XXXX XXXX XXXX ( Account No. XXXX ) XXXX ( Account XXXX. XXXX ) These accounts have been \" verified '' without any supporting documentation proving their legitimacy. \nFailure to Provide Original Documentation ( 15 U.S.C. 1681g & 1681i ( a ) ( 6 ) ) Both bureaus have refused to produce original signed agreements or documentation proving the validity of the disputed accounts. \nNo substantive evidence has been provided regarding the investigation process, nor have the names of the verifying entities been disclosed.\n\nUnlawful Reporting of Unauthorized Inquiries ( 15 U.S.C. 1681b & California Civil Code 1785.11 ) XXXX XXXX has made unauthorized inquiries on my credit report without a permissible purpose. \nThis constitutes a direct violation of the permissible purpose requirements under the FCRA.\n\nReporting Inaccurate Personal Information ( 15 U.S.C. 1681c & 1681e ( b ) ) Incorrect addresses and name variations are being reported despite multiple disputes : Fraudulent Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX ( misspelling of my legal name ) Such inaccurate reporting violates both federal and state laws requiring the maintenance of maximum possible accuracy in consumer reports.\n\nFailure to Delete Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The law mandates that unverifiable information must be removed within 30 days of a dispute. The continued reporting of erroneous accounts despite a lack of verification is a clear violation of this provision.\n\nViolations Under California Consumer Protection Laws California Civil Code 1785.16 : Requires consu\nmer reporting agencies to conduct a reasonable reinvestigation and correct errors within 30 days.\n\nCalifornia Civil Code 1785.25 ( a ) : Prohibits furnishers from providing inaccurate or misleading information to credit bureaus.\n\nCalifornia Unfair Competition Law ( Business & Professions Code 17200 et seq. ) : Prohibits fraudulent business practices, including knowingly reporting false credit information.\n\nRequested Actions by CFPB Given the willful and negligent noncompliance demonstrated by XXXX and Equifax, I respectfully request that the CFPB take the following enforcement actions : Order the immediate deletion of the disputed accounts ( XXXX XXXX  XXXX and XXXX ) due to the bureaus ' failure to provide sufficient verification.\n\nOrder the removal of unauthorized inquiries ( XXXX XXXX ) that were placed on my credit file without my consent. \nDirect XXXX and Equifax to correct personal information inaccuracies ( address and name errors ). \nInvestigate the systemic failure of the credit bureaus to conduct lawful reinvestigations as required under the FCRA. \nPursue monetary penalties against the credit bureaus for willful violations of consumer protection laws. \nInitiate regulatory actions similar to previous CFPB lawsuits against the bureaus for similar noncompliance and deceptive practices. \nConclusion The repeated refusal of XXXX and Equifax to comply with federal and state credit reporting laws has caused financial harm and emotional distress. These violations are not isolated but represent a systemic issue affecting many consumers. I urge the CFPB to take decisive action to hold these credit bureaus accountable for their failure to adhere to consumer protection laws. \n\nThank you for your prompt attention to this matter. Please keep me informed of any updates regarding this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-11T08:00:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92354","tags":null,"has_narrative":true,"complaint_id":"12431319","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-11T05:55:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Order the removal of unauthorized inquiries ( XXXX XXXX ) that were placed on my <em>credit</em> <em>file</em> <em>without</em> my consent. \nDirect XXXX and Equifax to correct personal information inaccuracies ( address and name <em>errors</em> ). \nInvestigate the systemic failure of the <em>credit</em> bureaus to conduct lawful reinvestigations as required under the FCRA. \nPursue monetary penalties against the <em>credit</em> bureaus for willful violations of consumer protection laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.632317,"12431319"]},{"_index":"complaint-public-v1","_id":"9951491","_score":12.619911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and California state law, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a blind individual, these errors are causing me significant hardship and are a violation of my consumer rights.\n\nI have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ). \n\nPlease confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-28T14:02:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9951491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-28T14:02:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal complaint against Experian for reporting inaccurate and fraudulent information on my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.619911,"9951491"]},{"_index":"complaint-public-v1","_id":"12431207","_score":12.6142645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX and Equifax Information Services LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Californias Consumer Credit Reporting Agencies Act ( CCCRAA ), Civil Code 1785.1 et seq. The violations include failure to conduct a proper reinvestigation, continued reporting of inaccurate information, and failure to provide verification documents as required by law.\n\nViolations and Applicable Laws Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Despite multiple disputes, both XXXX and Equifax have failed to provide adequate verification of fraudulent accounts and unauthorized inquiries.\n\nThe agencies continue to report erroneous and unverifiable information without demonstrating compliance with federal verification requirements.\n\nReporting Inaccurate and Unverifiable Accounts ( 15 U.S.C. 1681e ( b ) ) The bureaus have reported the following accounts with discrepancies in payment status, open dates, and lack of proper notification across reporting entities : XXXX XXXX XXXX ( Account No. XXXX ) XXXX ( Account XXXX. XXXX ) These accounts have been \" verified '' without any supporting documentation proving their legitimacy. \nFailure to Provide Original Documentation ( 15 U.S.C. 1681g & 1681i ( a ) ( 6 ) ) Both bureaus have refused to produce original signed agreements or documentation proving the validity of the disputed accounts. \nNo substantive evidence has been provided regarding the investigation process, nor have the names of the verifying entities been disclosed.\n\nUnlawful Reporting of Unauthorized Inquiries ( 15 U.S.C. 1681b & California Civil Code 1785.11 ) XXXX XXXX has made unauthorized inquiries on my credit report without a permissible purpose. \nThis constitutes a direct violation of the permissible purpose requirements under the FCRA.\n\nReporting Inaccurate Personal Information ( 15 U.S.C. 1681c & 1681e ( b ) ) Incorrect addresses and name variations are being reported despite multiple disputes : Fraudulent Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX ( misspelling of my legal name ) Such inaccurate reporting violates both federal and state laws requiring the maintenance of maximum possible accuracy in consumer reports.\n\nFailure to Delete Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The law mandates that unverifiable information must be removed within 30 days of a dispute. The continued reporting of erroneous accounts despite a lack of verification is a clear violation of this provision.\n\nViolations Under California Consumer Protection Laws California Civil Code 1785.16 : Requires consu\nmer reporting agencies to conduct a reasonable reinvestigation and correct errors within 30 days.\n\nCalifornia Civil Code 1785.25 ( a ) : Prohibits furnishers from providing inaccurate or misleading information to credit bureaus.\n\nCalifornia Unfair Competition Law ( Business & Professions Code 17200 et seq. ) : Prohibits fraudulent business practices, including knowingly reporting false credit information.\n\nRequested Actions by CFPB Given the willful and negligent noncompliance demonstrated by XXXX and Equifax, I respectfully request that the CFPB take the following enforcement actions : Order the immediate deletion of the disputed accounts ( XXXX XXXX  XXXX and XXXX ) due to the bureaus ' failure to provide sufficient verification.\n\nOrder the removal of unauthorized inquiries ( XXXX XXXX ) that were placed on my credit file without my consent. \nDirect XXXX and Equifax to correct personal information inaccuracies ( address and name errors ). \nInvestigate the systemic failure of the credit bureaus to conduct lawful reinvestigations as required under the FCRA. \nPursue monetary penalties against the credit bureaus for willful violations of consumer protection laws. \nInitiate regulatory actions similar to previous CFPB lawsuits against the bureaus for similar noncompliance and deceptive practices. \nConclusion The repeated refusal of XXXX and Equifax to comply with federal and state credit reporting laws has caused financial harm and emotional distress. These violations are not isolated but represent a systemic issue affecting many consumers. I urge the CFPB to take decisive action to hold these credit bureaus accountable for their failure to adhere to consumer protection laws. \n\nThank you for your prompt attention to this matter. Please keep me informed of any updates regarding this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-11T09:00:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92354","tags":null,"has_narrative":true,"complaint_id":"12431207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-11T06:29:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Order the removal of unauthorized inquiries ( XXXX XXXX ) that were placed on my <em>credit</em> <em>file</em> <em>without</em> my consent. \nDirect XXXX and Equifax to correct personal information inaccuracies ( address and name <em>errors</em> ). \nInvestigate the systemic failure of the <em>credit</em> bureaus to conduct lawful reinvestigations as required under the FCRA. \nPursue monetary penalties against the <em>credit</em> bureaus for willful violations of consumer protection laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.6142645,"12431207"]},{"_index":"complaint-public-v1","_id":"9951493","_score":12.549601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and California state law, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a blind individual, these errors are causing me significant hardship and are a violation of my consumer rights. \n\nI have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ).\n\nPlease confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-28T14:02:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93535","tags":null,"has_narrative":true,"complaint_id":"9951493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-28T14:02:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal complaint against Experian for reporting inaccurate and fraudulent information on my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.549601,"9951493"]},{"_index":"complaint-public-v1","_id":"11447580","_score":12.546309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Date of Birth : XXXX XX/XX/XXXX TransUnion Subject : Unauthorized Inquiry Dispute XXXX XXXX and XXXX To Whom It May Concern, I am writing to dispute the following by unauthorized inquiries that appear on my credit report. These inquiries were not authorized by me, and I request that they be removed immediately : XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. I demand that you provide proof of my authorization for these inquiries or remove them from my credit report. \n\nPlease provide : 1. Documentation or proof that I authorized these inquiries.\n\n2. Evidence of a permissible purpose for accessing my credit file.\n\nIf you are unable to verify that these inquiries were authorized by me, I demand that they be removed from my credit report immediately. \n\nThank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Demand for Compliance with Constitutional, Federal XXXX and California State Laws Notice to Child Support Enforcement Agency Regarding Unlawful Collection Practices** **From** : XXXX XXXX XXXX XXXX XXXX XXXX **Subject** : De4mand for Compliance with Constitutional, Federal, and California State Laws To Whom It May Concern XXXX This is a formal notice from XXXX XXXX XXXX, a man with unalienable rights guaranteed by the United States Constitution, Bill of Rights, and the laws of the State of California. I am hereby notifying and requiring the child support enforcement agency to comply with the laws of the United States and the State of California, specifically in accordance with due process protections as outlined by the U.S. Constitution and the California Constitution. Any actions taken by your agency without proper due process, including the unlawful seizure of property, are in violation of the Constitution and the laws of California unless the Title IV-D Collection Agency can provide evidence of a valid contract, signed by me, XXXX XXXX XXXX XXXX with my wet-ink signature, that authorizes such action. Furthermore, any warrants issued must be signed by a judicial officer within the judicial branch of the state or federal government who holds proper jurisdiction. Failure to comply with these laws constitutes violations under both federal and state law. XXXX XXXX XXXX  Key Points of Law : 1. **Non-Judicial Actors Lack Authority** Support magistrates, assistant district attorneys, hearing officers, and other non-judicial actors presiding over expedited processes for support proceedings ( per 45 CFR 303.101 ) are not authorized under the law to issue warrants or support orders. Any such orders issued without proper judicial authority violate the Fourth Amendments protection against unlawful seizure of property and Californias due process protections as outlined in Article I, Section 7 of the California Constitution. Such orders are void and without legal force. Moreover, under California Government Code 68650-68655, expedited processes can not lawfully deprive any person of their property without full adherence to due process protections. 2. **Income Withholding Orders Require Judicial Review** Income Withholding Orders ( IWO ) must be reviewed and confirmed by a judge in accordance with 28 USC Section 1691 and California Family Code 5246. Any IWO issued without a judicial signature is an incomplete written instrument and, therefore, constitutes forgery under California Penal Code 470. I require confirmation that all support orders and IWOs issued by your agency are compliant with these legal requirements. 3. **Fair Debt Collection Practices Act ( FDCPA ) Compliance** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC Section 1692 ( g ), and Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I demand immediate validation of any debt you are attempting to collect. As a thirdparty debt collector, your agency is required by law to provide a valid validation of debt. A mere accounting summary or unsigned support order is insufficient. Validation must include physical evidence of my wet-ink signature on a Title IV-D contract. Without this, any actions taken to collect the alleged debt are unlawful under both federal and state consumer protection laws. 4. **Obligations Under 42 USC 606, California Family Code 17400, and 42 USC 1986** Your agency must demonstrate that any debt you claim to collect is backed by evidence of a federal loan to the state and that such loan has not been wrongfully passed onto me, a private citizen, without my consent. Failure to comply with these statutes and unlawfully collecting debts from private individuals will result in legal consequences under 42 USC 1986, which holds government officials accountable for failure to prevent harm. Additionally, under California Family Code 17400, child support enforcement actions must be conducted lawfully and fairly, and any misrepresentation or mishandling of debts owed to the state or federal government will be subject to legal scrutiny. # # # Violations of California Law : 1. **California Constitution, Article I, Section 7** : This section of the California Constitution ensures that no person is deprived of life, liberty, or property without due process of law. Your agencys actions, if taken without a valid court order and due process protections, violate this constitutional right. 2. **California Family Code 17400** : This code governs child support enforcement and requires that child support agencies conduct their operations within the bounds of the law. Any failure to adhere to due process requirements or to validate debts as required under federal law violates this section of the California Family Code. 3. **California Civil Code 1788 et seq. ( Rosenthal Act ) ** : Under the Rosenthal Act, your agency, as a debt collector, is subject to strict requirements regarding debt validation, proper communication, and consumer rights. Any unlawful collection practices, such as attempting to collect a debt without proper validation, will be subject to penalties under this statute. 4. **California Penal Code 470 ( Forgery ) ** : Issuing an income withholding order or any other legal document without proper judicial review and a valid signature constitutes forgery under California Penal Code 470. This is a serious criminal offense, and any forged orders will be reported for prosecution. 5. **California Business and Professions Code 17200 ( Unfair Competition Law ) ** : Any unlawful, unfair, or fraudulent business acts, including illegal debt collection practices, may constitute violations under Californias Unfair Competition Law. Your agency may face civil penalties if found in violation of this statute. # # # Demand for Cease and Desist : You are hereby ordered to cease and desist all collection efforts until you can provide physical evidence, validated through proper legal channels, of the following : 1. A true and legally enforceable court order, containing a judicial signature, issued in accordance with 28 USC Section 1691 and California Family Code 5246. 2. Validation of the alleged debt in accordance with FDCPA ( 15 USC Section 1692 ( g ) ) and California Civil Code 1788. 3. A true copy of the assignment of rights by the custodial parent to the state, making the state the creditor, pursuant to California Family Code 17400. Failure to comply with these demands within 15 days of receipt of this notice will be deemed an intentional act of fraud. Your continued silence on this matter will be taken as an admission that no consumer liability exists, in accordance with the FDCPA and the Rosenthal Act. **Legal Consequences** : Any unlawful actions to seize property or collect alleged debts without proper evidence and validation will result in both criminal and civil actions being taken against your agency and any individuals involved. Crimes such as forgery, fraud, and violation of constitutional rights will be prosecuted to the full extent of the law. Furthermore, refusal by law enforcement officers to investigate these crimes will result in civil complaints against both the officers and their departments under 42 USC 1986 and California law. XXXX XXXX XXXX Final Notice : This letter serves as your final notice to cease all collection efforts and provide the legally required validation and documentation. Failure to comply will result in legal action against your agency. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Key Data from Your Credit Report : -**Account Name** : Fresno County District Attorney 's Office ( Child Support ) XXXX Opened** : XX/XX/XXXX -**Account Status** : Open, 120 days past due ( as of XX/XX/XXXX ) -**Balance** : {$47000.00} ( as of XX/XX/XXXX ) -**Reported XXXX : {$47000.00} ( as of XX/XX/XXXX ) -**Monthly Payment** : {$0.00} -**Last Payment** : XX/XX/XXXX -**Payment History** : 38 % of payments made on time, with a worst payment status of 120-149 days late. -**Remarks** : Open, Child Support, Individual Responsibility - **Reported By** : Fresno County District Attorney ( XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX # # Identified Errors and Violations XXXX XXXX XXXX XXXX XXXX. **Erroneous Reporting of Balance** -The reported balances are inconsistent. The balance was reported as {$47000.00} in XX/XX/XXXX, yet the reported balance in XX/XX/XXXX is {$47000.00}. This discrepancy of {$800.00} without any explanation or breakdown constitutes an error in accurate reporting. -**Violation** : XXXX**Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates credit reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. XXXX XXXX XXXX XXXX XXXX. **Failure to Update Account Status** -Despite the account being paid down to {$0.00} and the monthly payment reflecting {$0.00}, the status is listed as \" 120 days past due '' in XX/XX/XXXX and \" worst payment status 120-149 days late. '' This indicates a failure to update the account to reflect its correct standing. -**Violation** : -**FCRA**, 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to correct or remove inaccurate information from a consumers report once it has been disputed. The failure to update the account status to \" current '' is a violation of this statute. -**California Consumer Credit Reporting Agencies Act ( CCCRAA ) **, California Civil Code 1785.14 ( b ) : Failure to ensure the account status is properly updated, especially after an account is brought current or paid off, violates the CCCRAA 's requirement for accurate reporting. # # # # 3. **Lack of Explanation or Breakdown for Balance** -There is no explanation provided for how the balance increased by {$800.00} between XX/XX/XXXX and XX/XX/XXXX, even though the monthly payment is {$0.00} and there are no mentions of interest accrual or fees. This lack of clarity in the report violates transparency principles. -**Violation** : -**FCRA**, 15 U.S.C. 1681g ( a ) ( 1 ) : Credit reporting agencies are required to provide clear and accurate information in the consumer report, including all accounts and transactions. The unexplained discrepancy in the balance fails to meet this standard. XXXX XXXX XXXX XXXX 4. **Failure to Validate Debt Under FDCPA** -If this debt was incorrectly transferred from a private obligation into child support without proper legal validation or a court order, it would constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). The absence of a wet-ink signature, court order, or proper validation as required by **15 U.S.C. 1692g** would make the reporting of this debt illegal. -**Violation** : -**FDCPA**, 15 U.S.C. 1692g : This law requires debt collectors to validate a debt before attempting to collect or report it. Failing to validate this debt and providing false representations is a clear violation. XXXX XXXX XXXX XXXX XXXX. **Failure to Reflect Proper Payments** -The report indicates only 38 % of payments made on time, yet it appears you made payments up until XX/XX/XXXX. The failure to reflect these payments in your payment history means the report is not accurately representing the account 's status. -**Violation** : -**FCRA**, 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure the accuracy of the reported information, including the accurate reflection of payment history. # # # # 6. **Failure to Provide Complete Account Information** -The credit report lacks necessary details about how the balance was calculated, whether there were any administrative adjustments, fees, or interest charges applied to the account. The absence of these details leaves the report incomplete. -**Violation** : -**California Civil Code 1785.15** : This section requires credit reporting agencies to provide complete and accurate information about an account, including how balances are calculated. Failure to provide these details is a violation of California consumer lawXXXX XXXX XXXX XXXX Constitutional and Contractual Issues XXXX XXXX XXXX XXXX XXXX. **Unconstitutional Actions by the Child Support Agency** -The Fresno County District Attorney 's Office acting without proper judicial oversight to seize assets or report debts without a valid court order violates the **Due Process Clause** of the **14th Amendment** of the United States Constitution. Any attempt to collect child support without judicial review and confirmation, as required by **28 U.S.C. 1691**, is unconstitutional. XXXX XXXX XXXX XXXX 2. **Separation of Powers** -Administrative actions without court validation, such as expedited processes or the failure to have a judges signature on child support orders, violate the separation of powers doctrine, as only judicial officers are authorized to issue binding orders for debt collection. XXXX XXXX XXXX Dispute of Inaccuracies : Based on the aforementioned errors and violations, the following specific inaccuracies are being disputed : 1. **Incorrect Balance Reporting** : The report contains two different balances for the same account within a one-month period with no explanation or justification. 2. **Failure to Update Account Status** : The account status remains listed as delinquent, even though there is a {$0.00} balance and no payments are currently due. 3. **Unexplained Balance Discrepancy** : The increase in balance without any explanation violates the requirement for clear and accurate reporting. 4. **Failure to Validate Debt** : No proper validation of the child support debt, as required under FDCPA, has been provided. 5. **Incomplete Payment History** : The report fails to accurately reflect payments made up until XX/XX/XXXX. XXXX. **Lack of Transparency** : The credit report does not provide sufficient details to explain the account status, how balances are calculated, or if there are any accrued charges, interest, or fees. XXXX XXXX XXXX Conclusion and Legal Implications TransUnion, Fresno County DA, and all associated parties have violated multiple consumer protection laws, including but not limited to : 1. **FCRA ( 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ) ** : By failing to ensure the maximum accuracy of the reported information, failing to correct errors, and not conducting reasonable investigations after disputes were filed. 2. **FDCPA ( 15 U.S.C. 1692g ) ** : By reporting a debt that has not been validated. 3. **CCCRAA ( California Civil Code 1785.14 ( b ) & 1785.15 ) ** : By failing to provide accurate and complete information and failing to ensure the accuracy of the report. # # # Actions to Be Taken : 1. **Immediate Removal of Incorrect Information** : I request the immediate removal of all erroneous information related to the Fresno County DA account from my credit report. 2. **Correction of Payment History and Account Status** : Update the payment history to reflect all payments made through November 2022 and correct the account status to reflect the current balance and payment status accurately. 3. **Validation of Debt** : Provide complete validation of the alleged child support debt, including judicial orders with proper signatures. 4. **Cease Reporting of Inaccurate Information** : Cease any further reporting of this inaccurate and unvalidated debt. Should TransUnion or the Fresno County DA fail to take immediate corrective actions, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). Further violations of consumer laws could result in penalties, civil lawsuits, and claims for statutory, actual, and punitive damages, as well as legal costs. Notice to TransUnion Regarding Unlawful Reporting of Inaccurate Information To Whom It May Concern, This letter also serves as a formal notice to TransUnion, in accordance with federal and California state laws governing credit reporting, that you are required to immediately cease and desist from reporting any unvalidated and inaccurate information related to the alleged child support debt claimed by the Title IV-D Collection Agency . Failure to comply with the laws governing credit reporting will result in legal action, as outlined below : Violations of Federal and State Laws : 1 Fair Credit Reporting Act ( FCRA ) -15 U.S.C. 1681 et seq. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies like TransUnion ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. If TransUnion reports any inaccurate information related to the alleged child support debt, without proper validation or evidence of a legal obligation, they are in violation of the FCRA. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of the disputed information if the consumer disputes the accuracy of the reported data. Failure to reinvestigate or remove inaccurate information violates this section of the FCRA. Penalties for Violating the FCRA : TransUnion could face significant legal consequences if they fail to comply with the FCRA : Civil Penalties : Under 15 U.S.C. 1681n, TransUnion may be liable for actual damages, statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), and punitive damages for willful violations of the FCRA. They may also be responsible for covering reasonable attorney 's fees and costs incurred by the consumer in enforcing their rights. Negligence : Under 15 U.S.C. 1681o, TransUnion could also be liable for damages and legal fees due to negligent noncompliance with the FCRA. 2 California Consumer Credit Reporting Agencies Act ( CCCRAA ) -California Civil Code 1785 et seq. The CCCRAA imposes similar obligations on credit reporting agencies operating in California. Under California Civil Code 1785.14 ( b ), credit reporting agencies must ensure the accuracy of the information they report. TransUnions failure to verify the alleged debt before reporting it constitutes a violation of this statute. Under California Civil Code 1785.16, upon notification by the consumer of disputed information, TransUnion is required to conduct an immediate reinvestigation. Failure to conduct a timely and adequate reinvestigation constitutes a violation of the CCCRAA. Penalties for Violating the CCCRAA : Civil Penalties : TransUnion may be held liable for actual damages and punitive damages under California Civil Code 1785.31. Additionally, the credit reporting agency may be subject to penalties up to {$5000.00} for willful violations, as well as attorney 's fees and costs. Negligent Violations : Under the CCCRAA, TransUnion may also be liable for negligent noncompliance, with penalties including actual damages and legal fees. 3 California Unfair Competition Law ( UCL ) -California Business and Professions Code 17200 et seq. If TransUnion continues to report unvalidated, inaccurate, or misleading information, this could constitute an unfair business practice under California 's Unfair Competition Law. Reporting inaccurate information knowingly or failing to correct such errors may be considered fraudulent, unfair, or unlawful under the UCL. Penalties for Violating the UCL : Civil Penalties : Under the UCL, TransUnion may face civil penalties up to {$2500.00} per violation, as well as potential injunctions or orders for restitution to prevent further unlawful practices. In addition, legal costs and fees may be awarded to the affected consumer. Demand for Compliance : You are hereby ordered to immediately cease and desist from reporting the alleged debt in question, pending full validation of the debt by the child support enforcement agency, in accordance with the FDCPA, the FCRA, and the CCCRAA. The following is required : 1 Immediate Removal of Inaccurate Information : TransUnion must remove any inaccurate or unvalidated information related to this alleged child support debt from my credit report until proof of a legally enforceable court order, containing a judicial signature, is provided. 2 Reinvestigation of Disputed Information : TransUnion must reinvestigate any and all disputed information, ensuring compliance with the FCRA and CCCRAA. Failure to reinvestigate or correct inaccuracies will be considered a willful violation of federal and state law. 3 Verification of Debt : TransUnion must verify that the alleged debt has been validated in accordance with the FDCPA and 15 USC 1692 ( g ), ensuring that the debt has been proven with a court order containing a judicial signature. Consequences for Non-Compliance : Failure to comply with these demands will result in legal action. If TransUnion continues to report unvalidated or inaccurate information on my credit report, I will pursue the following : Civil Lawsuit : A civil lawsuit will be filed under the FCRA and CCCRAA for actual, statutory, and punitive damages. I will seek the maximum penalties allowed by law, including attorneys fees and court costs. Regulatory Action : Complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and the California Attorney General. These agencies have the authority to investigate and take enforcement actions against credit reporting agencies that violate consumer protection laws. Public Disclosure : I reserve the right to disclose these violations to the public and media, further exposing TransUnions unlawful practices in handling consumer data and reporting unvalidated debts. Final Warning : This letter constitutes a final warning to TransUnion to comply with federal and California state laws regarding credit reporting and consumer protection. You have 15 days from receipt of this letter to remove any inaccurate information from my credit report and provide validation of the alleged debt. Failure to comply will result in legal action. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-09T18:22:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"11447580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T18:22:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This discrepancy of {$800.00} <em>without</em> any explanation or breakdown constitutes an <em>error</em> in accurate reporting. -**Violation** : XXXX**Fair <em>Credit</em> Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates <em>credit</em> reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. XXXX XXXX XXXX XXXX XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.546309,"11447580"]},{"_index":"complaint-public-v1","_id":"11447668","_score":12.534586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Date of Birth : XXXX XX/XX/XXXX TransUnion Subject : Unauthorized Inquiry Dispute XXXX XXXX and XXXX To Whom It May Concern, I am writing to dispute the following by unauthorized inquiries that appear on my credit report. These inquiries were not authorized by me, and I request that they be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. I demand that you provide proof of my authorization for these inquiries or remove them from my credit report.\n\nPlease provide : 1. Documentation or proof that I authorized these inquiries.\n\n2. Evidence of a permissible purpose for accessing my credit file. \n\nIf you are unable to verify that these inquiries were authorized by me, I demand that they be removed from my credit report immediately. \n\nThank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand for Compliance with Constitutional, Federal , and California State Laws Notice to Child Support Enforcement Agency Regarding Unlawful Collection Practices** **From** : XXXX XXXX XXXX **Date** : _____________________________ **Subject** : De4mand for Compliance with Constitutional, Federal, and California State Laws To Whom It May Concern , This is a formal notice from XXXX XXXX XXXX, a man with unalienable rights guaranteed by the United States Constitution, Bill of Rights, and the laws of the State of California. I am hereby notifying and requiring the child support enforcement agency to comply with the laws of the United States and the State of California, specifically in accordance with due process protections as outlined by the U.S. Constitution and the California Constitution. Any actions taken by your agency without proper due process, including the unlawful seizure of property, are in violation of the Constitution and the laws of California unless the Title IV-D Collection Agency can provide evidence of a valid contract, signed by me, XXXX XXXX XXXX , with my wet-ink signature, that authorizes such action. Furthermore, any warrants issued must be signed by a judicial officer within the judicial branch of the state or federal government who holds proper jurisdiction. Failure to comply with these laws constitutes violations under both federal and state law. # # # Key Points of Law : 1. **Non-Judicial Actors Lack Authority** Support magistrates, assistant district attorneys, hearing officers, and other non-judicial actors presiding over expedited processes for support proceedings ( per 45 CFR 303.101 ) are not authorized under the law to issue warrants or support orders. Any such orders issued without proper judicial authority violate the Fourth Amendments protection against unlawful seizure of property and Californias due process protections as outlined in Article I, Section 7 of the California Constitution. Such orders are void and without legal force. Moreover, under California Government Code 68650-68655, expedited processes can not lawfully deprive any person of their property without full adherence to due process protections. 2. **Income Withholding Orders Require Judicial Review** Income Withholding Orders ( IWO ) must be reviewed and confirmed by a judge in accordance with 28 USC Section 1691 and California Family Code 5246. Any IWO issued without a judicial signature is an incomplete written instrument and, therefore, constitutes forgery under California Penal Code 470. I require confirmation that all support orders and IWOs issued by your agency are compliant with these legal requirements. 3. **Fair Debt Collection Practices Act ( FDCPA ) Compliance** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC Section 1692 ( g ), and Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I demand immediate validation of any debt you are attempting to collect. As a thirdparty debt collector, your agency is required by law to provide a valid validation of debt. A mere accounting summary or unsigned support order is insufficient. Validation must include physical evidence of my wet-ink signature on a Title IV-D contract. Without this, any actions taken to collect the alleged debt are unlawful under both federal and state consumer protection laws. 4. **Obligations Under 42 USC 606, California Family Code 17400, and 42 USC 1986** Your agency must demonstrate that any debt you claim to collect is backed by evidence of a federal loan to the state and that such loan has not been wrongfully passed onto me, a private citizen, without my consent. Failure to comply with these statutes and unlawfully collecting debts from private individuals will result in legal consequences under 42 USC 1986, which holds government officials accountable for failure to prevent harm. Additionally, under California Family Code 17400, child support enforcement actions must be conducted lawfully and fairly, and any misrepresentation or mishandling of debts owed to the state or federal government will be subject to legal scrutiny. # # # Violations of California Law : 1. **California Constitution, Article I, Section 7** : This section of the California Constitution ensures that no person is deprived of life, liberty, or property without due process of law. Your agencys actions, if taken without a valid court order and due process protections, violate this constitutional right. 2. **California Family Code 17400** : This code governs child support enforcement and requires that child support agencies conduct their operations within the bounds of the law. Any failure to adhere to due process requirements or to validate debts as required under federal law violates this section of the California Family Code. 3. **California Civil Code 1788 et seq. ( Rosenthal Act ) ** : Under the Rosenthal Act, your agency, as a debt collector, is subject to strict requirements regarding debt validation, proper communication, and consumer rights. Any unlawful collection practices, such as attempting to collect a debt without proper validation, will be subject to penalties under this statute. 4. **California Penal Code 470 ( Forgery ) ** : Issuing an income withholding order or any other legal document without proper judicial review and a valid signature constitutes forgery under California Penal Code 470. This is a serious criminal offense, and any forged orders will be reported for prosecution. 5. **California Business and Professions Code 17200 ( Unfair Competition Law ) ** : Any unlawful, unfair, or fraudulent business acts, including illegal debt collection practices, may constitute violations under Californias Unfair Competition Law. Your agency may face civil penalties if found in violation of this statute. # # # Demand for Cease and Desist : You are hereby ordered to cease and desist all collection efforts until you can provide physical evidence, validated through proper legal channels, of the following : 1. A true and legally enforceable court order, containing a judicial signature, issued in accordance with 28 USC Section 1691 and California Family Code 5246. 2. Validation of the alleged debt in accordance with FDCPA ( 15 USC Section 1692 ( g ) ) and California Civil Code 1788. 3. A true copy of the assignment of rights by the custodial parent to the state, making the state the creditor, pursuant to California Family Code 17400. Failure to comply with these demands within 15 days of receipt of this notice will be deemed an intentional act of fraud. Your continued silence on this matter will be taken as an admission that no consumer liability exists, in accordance with the FDCPA and the Rosenthal Act. **Legal Consequences** : Any unlawful actions to seize property or collect alleged debts without proper evidence and validation will result in both criminal and civil actions being taken against your agency and any individuals involved. Crimes such as forgery, fraud, and violation of constitutional rights will be prosecuted to the full extent of the law. Furthermore, refusal by law enforcement officers to investigate these crimes will result in civil complaints against both the officers and their departments under 42 USC 1986 and California law. # # # Final Notice : This letter serves as your final notice to cease all collection efforts and provide the legally required validation and documentation. Failure to comply will result in legal action against your agency. Sincerely, **XXXX XXXX XXXX XXXX XXXX XXXX  Key Data from Your Credit Report : -**Account Name** : XXXX XXXX XXXX Attorney 's XXXX XXXX XXXX XXXX XXXX -**Date Opened** : XX/XX/XXXX -**Account Status** : Open, 120 days past due ( as of XX/XX/XXXX ) -**Balance** : {$47000.00} ( as of XX/XX/XXXX ) -**Reported Balance** : {$47000.00} ( as of XX/XX/XXXX ) -**Monthly Payment** : {$0.00} -**Last Payment** : XX/XX/XXXX -**Payment History** : 38 % of payments made on time, with a worst payment status of XXXX days late. -**Remarks** : Open, Child Support, Individual Responsibility - **Reported By** : XXXX XXXX XXXX Attorney ( XXXX XXXX XXXX XXXX XXXX XXXX  ) # # # Identified Errors and Violations # # # # 1. **Erroneous Reporting of Balance** -The reported balances are inconsistent. The balance was reported as {$47000.00} in XX/XX/XXXX, yet the reported balance in XX/XX/XXXX is {$47000.00}. This discrepancy of {$800.00} without any explanation or breakdown constitutes an error in accurate reporting. -**Violation** : -**Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates credit reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. # # # # 2. **Failure to Update Account Status** -Despite the account being paid down to {$0.00} and the monthly payment reflecting {$0.00}, the status is listed as \" 120 days past due '' in XX/XX/XXXX and \" worst payment status XXXX days late. '' This indicates a failure to update the account to reflect its correct standing. -**Violation** : -**FCRA**, 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to correct or remove inaccurate information from a consumers report once it has been disputed. The failure to update the account status to \" current '' is a violation of this statute. -**California Consumer Credit Reporting Agencies Act ( CCCRAA ) **, California Civil Code 1785.14 ( b ) : Failure to ensure the account status is properly updated, especially after an account is brought current or paid off, violates the CCCRAA 's requirement for accurate reporting. # # # # 3. **Lack of Explanation or Breakdown for Balance** -There is no explanation provided for how the balance increased by {$800.00} between XX/XX/XXXX and XX/XX/XXXX, even though the monthly payment is {$0.00} and there are no mentions of interest accrual or fees. This lack of clarity in the report violates transparency principles. -**Violation** : -**FCRA**, 15 U.S.C. 1681g ( a ) ( 1 ) : Credit reporting agencies are required to provide clear and accurate information in the consumer report, including all accounts and transactions. The unexplained discrepancy in the balance fails to meet this standard. # # # # 4. **Failure to Validate Debt Under FDCPA** -If this debt was incorrectly transferred from a private obligation into child support without proper legal validation or a court order, it would constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). The absence of a wet-ink signature, court order, or proper validation as required by **15 U.S.C. 1692g** would make the reporting of this debt illegal. -**Violation** : -**FDCPA**, 15 U.S.C. 1692g : This law requires debt collectors to validate a debt before attempting to collect or report it. Failing to validate this debt and providing false representations is a clear violation. # # # # 5. **Failure to Reflect Proper Payments** -The report indicates only 38 % of payments made on time, yet it appears you made payments up until XX/XX/XXXX. The failure to reflect these payments in your payment history means the report is not accurately representing the account 's status. -**Violation** : -**FCRA**, 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure the accuracy of the reported information, including the accurate reflection of payment history. # # # # 6. **Failure to Provide Complete Account Information** -The credit report lacks necessary details about how the balance was calculated, whether there were any administrative adjustments, fees, or interest charges applied to the account. The absence of these details leaves the report incomplete. -**Violation** : -**California Civil Code 1785.15** : This section requires credit reporting agencies to provide complete and accurate information about an account, including how balances are calculated. Failure to provide these details is a violation of California consumer law. # # # Constitutional and Contractual Issues # # # # XXXX. **Unconstitutional Actions by the Child Support XXXX XXXX XXXX XXXX District Attorney XXXX Office acting without XXXX judicial oversight to seize assets or report debts without a valid court order violates the **Due Process Clause** of the XXXX Amendment** of the United States XXXX. Any attempt to collect child support without judicial review and confirmation, as required by XXXX XXXX. XXXX, is unconstitutional. # # # # XXXX. **Separation of Powers** -Administrative actions without court validation, such as expedited processes or the failure to have a judges signature on child support orders, violate the separation of powers doctrine, as only judicial officers are authorized to issue binding orders for debt collection. # # # Dispute of Inaccuracies : Based on the aforementioned errors and violations, the following specific inaccuracies are being disputed : XXXX. XXXX XXXX XXXX : The report contains XXXX different balances for the same account within a one-month period with no explanation or justification. XXXX. **Failure to Update Account XXXX : The account status remains listed as delinquent, even though there is a {$0.00} balance and no payments are currently due. XXXX. **Unexplained XXXX XXXX : The increase in balance without any explanation violates the requirement for clear and accurate reporting. XXXX. **Failure to XXXX XXXX : No proper validation of the child support debt, as required under FDCPA, has been provided. XXXX. XXXX XXXX XXXX : The report fails to accurately reflect payments made up until XX/XX/XXXX. XXXX. **Lack of Transparency** : The credit report does not provide sufficient details to explain the account status, how balances are calculated, or if there are any accrued charges, interest, or fees. # # # Conclusion and XXXX Implications TransUnion, XXXX XXXX XXXX, and all associated parties have violated multiple consumer protection laws, including but not limited to : XXXX. **FCRA ( XXXX XXXX. XXXX ( b ) & XXXX U.S.C. XXXX ( a ) ) ** : By failing to ensure the maximum accuracy of the reported information, failing to correct errors, and not conducting reasonable investigations after disputes were filed. XXXX. **FDCPA ( XXXX XXXX. XXXX ) ** : By reporting a debt that has not been validated. XXXX. XXXX ( California XXXX XXXX XXXX ( b ) & XXXX ) ** : By failing to provide accurate and complete information and failing to ensure the accuracy of the report. # # # Actions to Be Taken : XXXX. **Immediate Removal of Incorrect Information** : I request the immediate removal of all erroneous information related to the XXXX XXXX XXXX account from my credit report. XXXX. **Correction of XXXX XXXX and Account XXXX : Update the payment history to reflect all payments made through XX/XX/XXXX and correct the account status to reflect the current balance and payment status accurately. XXXX. **Validation of Debt** : Provide complete validation of the alleged child support debt, including judicial orders with proper signatures. XXXX. XXXX XXXX of Inaccurate Information** : Cease any further reporting of this inaccurate and unvalidated debt. Should TransUnion or the XXXX XXXX XXXX fail to take immediate corrective actions, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). Further violations of consumer laws could result in penalties, civil lawsuits, and claims for statutory, actual, and punitive damages, as well as legal costs. Notice to TransUnion Regarding Unlawful Reporting of Inaccurate Information To Whom It XXXX Concern, This letter also serves as a formal notice to TransUnion, in accordance with federal and California state laws governing credit reporting, that you are required to immediately cease and desist from reporting any unvalidated and inaccurate information related to the alleged child support debt claimed by the Title IV-D Collection XXXX XXXX Failure to comply with the laws governing credit reporting will result in legal action, as outlined below : Violations of Federal and State Laws : XXXX Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies like TransUnion ensure the accuracy and integrity of the information they report. Under XXXX XXXX. XXXX ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. If TransUnion reports any inaccurate information related to the alleged child support debt, without proper validation or evidence of a legal obligation, they are in violation of the FCRA. Additionally, under XXXX XXXX. XXXX ( a ), TransUnion is required to conduct a reasonable reinvestigation of the disputed information if the consumer disputes the accuracy of the reported data. Failure to reinvestigate or remove inaccurate information violates this section of the FCRA. Penalties for Violating the FCRA : TransUnion could face significant legal consequences if they fail to comply with the FCRA : Civil Penalties : Under XXXX XXXX. XXXX, TransUnion XXXX be liable for actual damages, statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), and punitive damages for willful violations of the FCRA. They XXXX also be responsible for covering reasonable attorney 's fees and costs incurred by the consumer in enforcing their rights. Negligence : XXXX XXXX XXXX. XXXX, TransUnion could also be liable for damages and legal fees due to negligent noncompliance with the FCRA. XXXX California XXXX XXXX XXXX Agencies Act ( XXXX ) XXXX XXXX XXXX XXXX et seq. The XXXX imposes similar obligations on credit reporting agencies operating in California. Under California XXXX XXXX XXXX ( b ), credit reporting agencies must ensure the accuracy of the information they report. XXXX failure to verify the alleged debt before reporting it constitutes a violation of this statute. Under California XXXX XXXX XXXX, upon notification by the consumer of disputed information, TransUnion is required to conduct an immediate reinvestigation. Failure to conduct a timely and adequate reinvestigation constitutes a violation of the XXXX. Penalties for Violating the CCCRAA : Civil Penalties : TransUnion XXXX be held liable for actual damages and punitive damages under California XXXX XXXX XXXX. Additionally, the credit reporting agency XXXX be subject to penalties up to {$5000.00} for willful violations, as well as attorney 's fees and costs. Negligent Violations : Under the XXXX, TransUnion XXXX also be liable for negligent noncompliance, with penalties including actual damages and legal fees. XXXX California Unfair Competition Law ( UCL ) -California XXXX and Professions Code XXXX et seq. If TransUnion continues to report unvalidated, inaccurate, or misleading information, this could constitute an unfair business practice under California 's Unfair Competition Law. Reporting inaccurate information knowingly or failing to correct such errors XXXX be considered fraudulent, unfair, or unlawful under the XXXX. Penalties for Violating the UCL : Civil Penalties : Under the XXXX, TransUnion XXXX face civil penalties up to {$2500.00} per violation, as well as potential injunctions or orders for restitution to prevent further unlawful practices. In addition, legal costs and fees XXXX be awarded to the affected consumer. Demand for Compliance : You are hereby ordered to immediately cease and desist from reporting the alleged debt in question, pending full validation of the debt by the child support enforcement agency, in accordance with the FDCPA, the FCRA, and the CCCRAA. The following is required : XXXX XXXX Removal of Inaccurate Information : TransUnion must remove any inaccurate or unvalidated information related to this alleged child support debt from my credit report until proof of a legally enforceable court order, containing a judicial signature, is provided. XXXX Reinvestigation of Disputed Information : TransUnion must reinvestigate any and all disputed information, ensuring compliance with the FCRA and XXXX. Failure to reinvestigate or correct inaccuracies will be considered a willful violation of federal and state law. XXXX XXXX of XXXX : TransUnion must verify that the alleged debt has been validated in accordance with the FDCPA and XXXX XXXX XXXX ( g ), ensuring that the debt has been proven with a court order containing a judicial signature. Consequences for Non-Compliance : Failure to comply with these demands will result in legal action. If TransUnion continues to report unvalidated or inaccurate information on my credit report, I will pursue the following : Civil Lawsuit : A civil lawsuit will be filed under the FCRA and CCCRAA for actual, statutory, and punitive damages. I will seek the maximum penalties allowed by law, including attorneys fees and court costs. Regulatory Action : Complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX and XXXX ( XXXX ), and the California Attorney General. These agencies have the XXXX to investigate and take enforcement actions against credit reporting agencies that violate consumer protection laws. XXXX XXXX : I reserve the right to disclose these violations to the public and media, further exposing TransUnions unlawful practices in handling consumer data and reporting unvalidated debts. Final Warning : This letter constitutes a final warning to TransUnion to comply with federal and California state laws regarding credit reporting and consumer protection. You have 15 days from receipt of this letter to remove any inaccurate information from my credit report and provide validation of the alleged debt. Failure to comply will result in legal action. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-09T18:22:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"11447668","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T17:49:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Regulatory Action : Complaints will be <em>filed</em> with the Consumer Financial Protection Bureau ( CFPB ), the <em>California</em> Department XXXX XXXX XXXX and XXXX ( XXXX ), and the <em>California</em> Attorney General. These agencies have the XXXX to investigate and take enforcement actions against <em>credit</em> reporting agencies that violate consumer protection laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.534586,"11447668"]},{"_index":"complaint-public-v1","_id":"11447206","_score":12.494569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Date of Birth : XXXX XX/XX/XXXX TransUnion Subject : Unauthorized Inquiry Dispute XXXX XXXX and XXXX To Whom It May Concern, I am writing to dispute the following by unauthorized inquiries that appear on my credit report. These inquiries were not authorized by me, and I request that they be removed immediately : XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. I demand that you provide proof of my authorization for these inquiries or remove them from my credit report. \n\nPlease provide : 1. Documentation or proof that I authorized these inquiries.\n\n2. Evidence of a permissible purpose for accessing my credit file. \n\nIf you are unable to verify that these inquiries were authorized by me, I demand that they be removed from my credit report immediately. \n\nThank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Demand for Compliance with Constitutional, Federal XXXX and California State Laws Notice to Child Support Enforcement Agency Regarding Unlawful Collection Practices** **From** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX for Compliance with Constitutional, Federal, and California State Laws To Whom It May Concern XXXX This is a formal notice from XXXX XXXX XXXX, a man with unalienable rights guaranteed by the United States Constitution, Bill of Rights, and the laws of the State of California. I am hereby notifying and requiring the child support enforcement agency to comply with the laws of the United States and the State of California, specifically in accordance with due process protections as outlined by the U.S. Constitution and the California Constitution. Any actions taken by your agency without proper due process, including the unlawful seizure of property, are in violation of the Constitution and the laws of California unless the Title IV-D Collection Agency can provide evidence of a valid contract, signed by me, XXXX XXXX XXXX XXXX with my wet-ink signature, that authorizes such action. Furthermore, any warrants issued must be signed by a judicial officer within the judicial branch of the state or federal government who holds proper jurisdiction. Failure to comply with these laws constitutes violations under both federal and state law. XXXX XXXX XXXX Key Points of Law : 1. **Non-Judicial Actors Lack Authority** Support magistrates, assistant district attorneys, hearing officers, and other non-judicial actors presiding over expedited processes for support proceedings ( per 45 CFR 303.101 ) are not authorized under the law to issue warrants or support orders. Any such orders issued without proper judicial authority violate the Fourth Amendments protection against unlawful seizure of property and Californias due process protections as outlined in Article I, Section 7 of the California Constitution. Such orders are void and without legal force. Moreover, under California Government Code 68650-68655, expedited processes can not lawfully deprive any person of their property without full adherence to due process protections. 2. **Income Withholding Orders Require Judicial Review** Income Withholding Orders ( IWO ) must be reviewed and confirmed by a judge in accordance with 28 USC Section 1691 and California Family Code 5246. Any IWO issued without a judicial signature is an incomplete written instrument and, therefore, constitutes forgery under California Penal Code 470. I require confirmation that all support orders and IWOs issued by your agency are compliant with these legal requirements. 3. **Fair Debt Collection Practices Act ( FDCPA ) Compliance** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC Section 1692 ( g ), and Californias Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I demand immediate validation of any debt you are attempting to collect. As a thirdparty debt collector, your agency is required by law to provide a valid validation of debt. A mere accounting summary or unsigned support order is insufficient. Validation must include physical evidence of my wet-ink signature on a Title IV-D contract. Without this, any actions taken to collect the alleged debt are unlawful under both federal and state consumer protection laws. 4. **Obligations Under 42 USC 606, California Family Code 17400, and 42 USC 1986** Your agency must demonstrate that any debt you claim to collect is backed by evidence of a federal loan to the state and that such loan has not been wrongfully passed onto me, a private citizen, without my consent. Failure to comply with these statutes and unlawfully collecting debts from private individuals will result in legal consequences under 42 USC 1986, which holds government officials accountable for failure to prevent harm. Additionally, under California Family Code 17400, child support enforcement actions must be conducted lawfully and fairly, and any misrepresentation or mishandling of debts owed to the state or federal government will be subject to legal scrutiny. # # # Violations of California Law : 1. **California Constitution, Article I, Section 7** : This section of the California Constitution ensures that no person is deprived of life, liberty, or property without due process of law. Your agencys actions, if taken without a valid court order and due process protections, violate this constitutional right. 2. **California Family Code 17400** : This code governs child support enforcement and requires that child support agencies conduct their operations within the bounds of the law. Any failure to adhere to due process requirements or to validate debts as required under federal law violates this section of the California Family Code. 3. **California Civil Code 1788 et seq. ( Rosenthal Act ) ** : Under the Rosenthal Act, your agency, as a debt collector, is subject to strict requirements regarding debt validation, proper communication, and consumer rights. Any unlawful collection practices, such as attempting to collect a debt without proper validation, will be subject to penalties under this statute. 4. **California Penal Code 470 ( Forgery ) ** : Issuing an income withholding order or any other legal document without proper judicial review and a valid signature constitutes forgery under California Penal Code 470. This is a serious criminal offense, and any forged orders will be reported for prosecution. 5. **California Business and Professions Code 17200 ( Unfair Competition Law ) ** : Any unlawful, unfair, or fraudulent business acts, including illegal debt collection practices, may constitute violations under Californias Unfair Competition Law. Your agency may face civil penalties if found in violation of this statute. # # # Demand for Cease and Desist : You are hereby ordered to cease and desist all collection efforts until you can provide physical evidence, validated through proper legal channels, of the following : 1. A true and legally enforceable court order, containing a judicial signature, issued in accordance with 28 USC Section 1691 and California Family Code 5246. 2. Validation of the alleged debt in accordance with FDCPA ( 15 USC Section 1692 ( g ) ) and California Civil Code 1788. 3. A true copy of the assignment of rights by the custodial parent to the state, making the state the creditor, pursuant to California Family Code 17400. Failure to comply with these demands within 15 days of receipt of this notice will be deemed an intentional act of fraud. Your continued silence on this matter will be taken as an admission that no consumer liability exists, in accordance with the FDCPA and the Rosenthal Act. **Legal Consequences** : Any unlawful actions to seize property or collect alleged debts without proper evidence and validation will result in both criminal and civil actions being taken against your agency and any individuals involved. Crimes such as forgery, fraud, and violation of constitutional rights will be prosecuted to the full extent of the law. Furthermore, refusal by law enforcement officers to investigate these crimes will result in civil complaints against both the officers and their departments under 42 USC 1986 and California law. # # # Final Notice : This letter serves as your final notice to cease all collection efforts and provide the legally required validation and documentation. Failure to comply will result in legal action against your agency. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Key Data from Your Credit Report : -**Account Name** : Fresno County District Attorney 's Office ( Child Support ) -**Date Opened** : XX/XX/XXXX -**Account Status** : Open, 120 days past due ( as of XX/XX/XXXX ) -**Balance** : {$47000.00} ( as of XX/XX/XXXX ) -**Reported Balance** : {$47000.00} ( as of XX/XX/XXXX ) -**Monthly Payment** : {$0.00} XXXX**Last Payment** : XX/XX/XXXX -**Payment History** : 38 % of payments made on time, with a worst payment status of 120-149 days late. -**Remarks** : Open, Child Support, Individual Responsibility - **Reported By** : Fresno County District Attorney ( XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX XXXX XXXX Identified Errors and Violations XXXX XXXX XXXX XXXX XXXX. **Erroneous Reporting of Balance** -The reported balances are inconsistent. The balance was reported as {$47000.00} in XX/XX/XXXX, yet the reported balance in XX/XX/XXXX is {$47000.00}. This discrepancy of {$800.00} without any explanation or breakdown constitutes an error in accurate reporting. -**Violation** : -**Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates credit reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. # # # # 2. **Failure to Update Account Status** -Despite the account being paid down to {$0.00} and the monthly payment reflecting {$0.00}, the status is listed as \" 120 days past due '' in XX/XX/XXXX and \" worst payment status XXXX days late. '' This indicates a failure to update the account to reflect its correct standing. -**Violation** : -**FCRA**, 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to correct or remove inaccurate information from a consumers report once it has been disputed. The failure to update the account status to \" current '' is a violation of this statute. XXXX XXXX XXXX Reporting Agencies Act ( CCCRAA ) **, California Civil Code 1785.14 ( b ) : Failure to ensure the account status is properly updated, especially after an account is brought current or paid off, violates the CCCRAA 's requirement for accurate reporting. XXXX XXXX XXXX XXXX 3. **Lack of Explanation or Breakdown for Balance** -There is no explanation provided for how the balance increased by {$800.00} between XX/XX/XXXX and XX/XX/XXXX, even though the monthly payment is {$0.00} and there are no mentions of interest accrual or fees. This lack of clarity in the report violates transparency principles. -**Violation** : -**FCRA**, 15 U.S.C. 1681g ( a ) ( 1 ) : Credit reporting agencies are required to provide clear and accurate information in the consumer report, including all accounts and transactions. The unexplained discrepancy in the balance fails to meet this standard. XXXX XXXX XXXX XXXX 4. **Failure to Validate Debt Under FDCPA** -If this debt was incorrectly transferred from a private obligation into child support without proper legal validation or a court order, it would constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). The absence of a wet-ink signature, court order, or proper validation as required by **15 U.S.C. 1692g** would make the reporting of this debt illegal. -**Violation** : -**FDCPA**, 15 U.S.C. 1692g : This law requires debt collectors to validate a debt before attempting to collect or report it. Failing to validate this debt and providing false representations is a clear violation. XXXX XXXX XXXX XXXX  5. **Failure to Reflect Proper Payments** -The report indicates only 38 % of payments made on time, yet it appears you made payments up until XX/XX/XXXX. The failure to reflect these payments in your payment history means the report is not accurately representing the account 's status. -**Violation** : -**FCRA**, 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure the accuracy of the reported information, including the accurate reflection of payment history. XXXX XXXX XXXX XXXX 6. **Failure to Provide Complete Account Information** -The credit report lacks necessary details about how the balance was calculated, whether there were any administrative adjustments, fees, or interest charges applied to the account. The absence of these details leaves the report incomplete. -**Violation** : -**California Civil Code 1785.15** : This section requires credit reporting agencies to provide complete and accurate information about an account, including how balances are calculated. Failure to provide these details is a violation of California consumer law. # # # Constitutional and Contractual Issues XXXX XXXX XXXX XXXX XXXX. **Unconstitutional Actions by the Child Support Agency** -The Fresno County District Attorney 's Office acting without proper judicial oversight to seize assets or report debts without a valid court order violates the **Due Process Clause** of the **14th Amendment** of the United States Constitution. Any attempt to collect child support without judicial review and confirmation, as required by **28 U.S.C. 1691**, is unconstitutional. XXXX XXXX XXXX XXXX  XXXX. **Separation of Powers** -Administrative actions without court validation, such as expedited processes or the failure to have a judges signature on child support orders, violate the separation of powers doctrine, as only judicial officers are authorized to issue binding orders for debt collection. # # # Dispute of Inaccuracies : Based on the aforementioned errors and violations, the following specific inaccuracies are being disputed : 1. **Incorrect Balance Reporting** : The report contains two different balances for the same account within a one-month period with no explanation or justification. 2. **Failure to Update Account Status** : The account status remains listed as delinquent, even though there is a {$0.00} balance and no payments are currently due. 3. **Unexplained Balance Discrepancy** : The increase in balance without any explanation violates the requirement for clear and accurate reporting. 4. **Failure to Validate Debt** : No proper validation of the child support debt, as required under FDCPA, has been provided. 5. **Incomplete Payment History** : The report fails to accurately reflect payments made up until XX/XX/XXXX. XXXX. **Lack of Transparency** : The credit report does not provide sufficient details to explain the account status, how balances are calculated, or if there are any accrued charges, interest, or fees. XXXX XXXX XXXX  Conclusion and Legal Implications TransUnion, Fresno County DA, and all associated parties have violated multiple consumer protection laws, including but not limited to : 1. **FCRA ( 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ) ) ** : By failing to ensure the maximum accuracy of the reported information, failing to correct errors, and not conducting reasonable investigations after disputes were filed. 2. **FDCPA ( 15 U.S.C. 1692g ) ** : By reporting a debt that has not been validated. 3. **CCCRAA ( California Civil Code 1785.14 ( b ) & 1785.15 ) ** : By failing to provide accurate and complete information and failing to ensure the accuracy of the report. # # # Actions to Be Taken : 1. **Immediate Removal of Incorrect Information** : I request the immediate removal of all erroneous information related to the Fresno County DA account from my credit report. 2. **Correction of Payment History and Account Status** : Update the payment history to reflect all payments made through XX/XX/XXXX and correct the account status to reflect the current balance and payment status accurately. XXXX. **Validation of Debt** : Provide complete validation of the alleged child support debt, including judicial orders with proper signatures. 4. **Cease Reporting of Inaccurate Information** : Cease any further reporting of this inaccurate and unvalidated debt. Should TransUnion or the Fresno County DA fail to take immediate corrective actions, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). Further violations of consumer laws could result in penalties, civil lawsuits, and claims for statutory, actual, and punitive damages, as well as legal costs. Notice to TransUnion Regarding Unlawful Reporting of Inaccurate Information To Whom It May Concern, This letter also serves as a formal notice to TransUnion, in accordance with federal and California state laws governing credit reporting, that you are required to immediately cease and desist from reporting any unvalidated and inaccurate information related to the alleged child support debt claimed by the Title IV-D Collection Agency . Failure to comply with the laws governing credit reporting will result in legal action, as outlined below : Violations of Federal and State Laws : 1 Fair Credit Reporting Act ( FCRA ) -15 U.S.C. 1681 et seq. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies like TransUnion ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. If TransUnion reports any inaccurate information related to the alleged child support debt, without proper validation or evidence of a legal obligation, they are in violation of the FCRA. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of the disputed information if the consumer disputes the accuracy of the reported data. Failure to reinvestigate or remove inaccurate information violates this section of the FCRA. Penalties for Violating the FCRA : TransUnion could face significant legal consequences if they fail to comply with the FCRA : Civil Penalties : Under 15 U.S.C. 1681n, TransUnion may be liable for actual damages, statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), and punitive damages for willful violations of the FCRA. They may also be responsible for covering reasonable attorney 's fees and costs incurred by the consumer in enforcing their rights. Negligence : Under 15 U.S.C. 1681o, TransUnion could also be liable for damages and legal fees due to negligent noncompliance with the FCRA. 2 California Consumer Credit Reporting Agencies Act ( CCCRAA ) -California Civil Code 1785 et seq. The CCCRAA imposes similar obligations on credit reporting agencies operating in California. Under California Civil Code 1785.14 ( b ), credit reporting agencies must ensure the accuracy of the information they report. TransUnions failure to verify the alleged debt before reporting it constitutes a violation of this statute. Under California Civil Code 1785.16, upon notification by the consumer of disputed information, TransUnion is required to conduct an immediate reinvestigation. Failure to conduct a timely and adequate reinvestigation constitutes a violation of the CCCRAA. Penalties for Violating the CCCRAA : Civil Penalties : TransUnion may be held liable for actual damages and punitive damages under California Civil Code 1785.31. Additionally, the credit reporting agency may be subject to penalties up to {$5000.00} for willful violations, as well as attorney 's fees and costs. Negligent Violations : Under the CCCRAA, TransUnion may also be liable for negligent noncompliance, with penalties including actual damages and legal fees. 3 California Unfair Competition Law ( UCL ) -California Business and Professions Code 17200 et seq. If TransUnion continues to report unvalidated, inaccurate, or misleading information, this could constitute an unfair business practice under California 's Unfair Competition Law. Reporting inaccurate information knowingly or failing to correct such errors may be considered fraudulent, unfair, or unlawful under the UCL. Penalties for Violating the UCL : Civil Penalties : Under the UCL, TransUnion may face civil penalties up to {$2500.00} per violation, as well as potential injunctions or orders for restitution to prevent further unlawful practices. In addition, legal costs and fees may be awarded to the affected consumer. Demand for Compliance : You are hereby ordered to immediately cease and desist from reporting the alleged debt in question, pending full validation of the debt by the child support enforcement agency, in accordance with the FDCPA, the FCRA, and the CCCRAA. The following is required : 1 Immediate Removal of Inaccurate Information : TransUnion must remove any inaccurate or unvalidated information related to this alleged child support debt from my credit report until proof of a legally enforceable court order, containing a judicial signature, is provided. 2 Reinvestigation of Disputed Information : TransUnion must reinvestigate any and all disputed information, ensuring compliance with the FCRA and CCCRAA. Failure to reinvestigate or correct inaccuracies will be considered a willful violation of federal and state law. 3 Verification of Debt : TransUnion must verify that the alleged debt has been validated in accordance with the FDCPA and 15 USC 1692 ( g ), ensuring that the debt has been proven with a court order containing a judicial signature. Consequences for Non-Compliance : Failure to comply with these demands will result in legal action. If TransUnion continues to report unvalidated or inaccurate information on my credit report, I will pursue the following : Civil Lawsuit : A civil lawsuit will be filed under the FCRA and CCCRAA for actual, statutory, and punitive damages. I will seek the maximum penalties allowed by law, including attorneys fees and court costs. Regulatory Action : Complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and the California Attorney General. These agencies have the authority to investigate and take enforcement actions against credit reporting agencies that violate consumer protection laws. Public Disclosure : I reserve the right to disclose these violations to the public and media, further exposing TransUnions unlawful practices in handling consumer data and reporting unvalidated debts. Final Warning : This letter constitutes a final warning to TransUnion to comply with federal and California state laws regarding credit reporting and consumer protection. You have 15 days from receipt of this letter to remove any inaccurate information from my credit report and provide validation of the alleged debt. Failure to comply will result in legal action. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-09T18:22:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"11447206","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T18:22:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This discrepancy of {$800.00} <em>without</em> any explanation or breakdown constitutes an <em>error</em> in accurate reporting. -**Violation** : -**Fair <em>Credit</em> Reporting Act ( FCRA ) **, 15 U.S.C. 1681e ( b ) : This section mandates <em>credit</em> reporting agencies to adopt reasonable procedures to ensure the maximum accuracy of the information reported. The inconsistency in the balance violates this provision. # # # # 2."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.494569,"11447206"]},{"_index":"complaint-public-v1","_id":"5673853","_score":12.3699045,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXXXXXX XXXX XXXXXXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  Bank XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX Bank and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. \n\nI wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. \n\nHow can I have a balance of {$7500.00} but the company cancelled the debt. \nHow can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS .\n\nHow can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. \n\nFurthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. \n\nHow is any of this legal? \nHow is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. \nHow many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? \n\nI am asking that the credit bureaus remove this erroneous account from under my name ASAP. \n\n\n*IRS proof attached XXXX XXXX XXXX","date_sent_to_company":"2022-06-16T03:26:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5673853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-16T03:26:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Meanwhile I wrote XXXX Bank and asked that by law they provide evidence of the <em>error</em> they were reporting on my <em>credit</em> <em>file</em> was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the <em>error</em> debt that was reporting on my name."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.3699045,"5673853"]},{"_index":"complaint-public-v1","_id":"5673798","_score":12.296806,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXX XXXX  XXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  XXXX  XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX XXXX  and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. \n\nI wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. \n\nHow can I have a balance of {$7500.00} but the company cancelled the debt. \nHow can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS XXXX \nHow can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. \n\nFurthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. \n\nHow is any of this legal? \nHow is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. \nHow many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? \n\nI am asking that the credit bureaus remove this erroneous account from under my name ASAP. \n\n\n*IRS proof attached XXXX XXXX XXXX","date_sent_to_company":"2022-06-16T03:26:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5673798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-16T03:08:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Meanwhile I wrote XXXX XXXX  and asked that by law they provide evidence of the <em>error</em> they were reporting on my <em>credit</em> <em>file</em> was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the <em>error</em> debt that was reporting on my name."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.296806,"5673798"]},{"_index":"complaint-public-v1","_id":"1988885","_score":12.204158,"_source":{"product":"Credit reporting","complaint_what_happened":"on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.","date_sent_to_company":"2016-06-28T16:57:15.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"1988885","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-06-28T16:57:15.000Z","state":"CA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["on XXXX XXXX, 2016 i <em>filed</em> a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be <em>filed</em> in <em>error</em>. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of <em>California</em> as well as the XXXX Office they BOTH report that they do not provide verification to the <em>credit</em> reporting agencies."],"product":["<em>Credit</em> reporting"],"issue":["<em>Credit</em> reporting company's investigation"]},"sort":[12.204158,"1988885"]},{"_index":"complaint-public-v1","_id":"22147868","_score":12.035768,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"To Whom It May Concern, I am filing this complaint against Upstart XXXX XXXX XXXX regarding inaccurate, incomplete, and misleading credit reporting on my loan account XXXX. \n\nUpstart reported my account as 30 days late for the XX/XX/year> payment period. However, I had automatic payments set up and acted in good faith to make my payments. The issue was not caused by intentional nonpayment or refusal to pay. It appears to have involved payment processing, ACH/banking restrictions, and unclear or conflicting payment information. \n\nThe main concern is that Upstarts own system sent me payment confirmations that reasonably led me to believe my payments were processed. On XX/XX/year>, Upstart emailed me stating that my automatic payment of {$60.00} had been processed from my XXXX XXXX XXXX XXXX checking account ending in XXXX. On XX/XX/year>, Upstart sent another confirmation stating that a payment of {$63.00} had been applied to my loan and that my card ending in XXXX had been debited. \n\nDespite these confirmations, Upstart later claimed that the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were returned as unsuccessful and reported the account as XXXX as of XX/XX/year>. This creates a direct conflict between Upstarts payment confirmation emails and the negative credit reporting. \n\nI disputed the reporting directly with Upstart and explained that the issue was caused by a payment/banking problem, not neglect or inability to pay. I also explained that the account had been brought current and requested removal of the 30-day late reporting. Upstart refused to remove the late reporting, stating that no internal error was found.\n\nI then requested a final escalation and asked Upstart to reconcile its internal records, including the system-generated payment confirmations, returned payment codes, and credit reporting. I specifically requested a manual review because Upstarts own payment confirmations conflicted with its decision to report the account late. Instead of providing a full reconciliation, Upstart stated that the matter was resolved and that no further communication would be provided. \n\nI believe this raises concerns under the Fair Credit Reporting Act and the California Consumer Credit Reporting Agencies Act, including California Civil Code 1785.25.\n\nUnder California Civil Code 1785.25 ( a ), a furnisher should not report information to a consumer credit reporting agency if it knows or should know the information is incomplete or inaccurate. In this case, Upstart had payment confirmations generated by its own system, yet still reported the account as 30 days late without fully reconciling the conflicting information.\n\nUnder California Civil Code 1785.25 ( b ), if a furnisher determines that information previously reported is incomplete or inaccurate, it must promptly correct or update that information with the credit reporting agencies. I provided Upstart with notice of the conflicting payment confirmations, but Upstart refused to correct or meaningfully review the reporting.\n\nUnder California Civil Code 1785.25 ( c ), when the accuracy or completeness of reported information remains disputed by the consumer, the furnisher should not continue reporting the information without noting that it is disputed. I have repeatedly disputed this reporting and request confirmation that any continued reporting includes a consumer dispute notation.","date_sent_to_company":"2026-05-13T05:53:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"92555","tags":null,"has_narrative":true,"complaint_id":"22147868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2026-05-13T05:47:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I believe this raises concerns under the Fair <em>Credit</em> Reporting Act and the <em>California</em> Consumer <em>Credit</em> Reporting Agencies Act, including <em>California</em> Civil Code 1785.25.\n\nUnder <em>California</em> Civil Code 1785.25 ( a ), a furnisher should not report information to a consumer <em>credit</em> reporting agency if it knows or should know the information is incomplete or inaccurate."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.035768,"22147868"]},{"_index":"complaint-public-v1","_id":"3995872","_score":12.035333,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). \n\nThis occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. \n\nI filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. \n\nI then received a letter telling me that \" No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. \n\nMr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. \n\nThe XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. \n\nXXXX PD said that he was seen on camera withdrawing my funds at a \" XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.","date_sent_to_company":"2020-12-07T05:20:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30047","tags":"Servicemember","has_narrative":true,"complaint_id":"3995872","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2020-12-07T05:05:43.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I was on vacation in <em>California</em>, when I was robbed by XXXX XXXX. He is a XXXX XXXX in <em>California</em>. He demanded my cell phone, wallet, debit/<em>credit</em> cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). \n\nThis occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but <em>without</em> a cell phone, hotel long distance, and <em>without</em> knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later."],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"]},"sort":[12.035333,"3995872"]},{"_index":"complaint-public-v1","_id":"9756067","_score":12.001401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). \n\n*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Employment History In the state of California, the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section 1785.16 requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. \n\nTherefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. \nProvide an updated copy of my credit report with the corrections made. \nEnsure that such information is not re-inserted without proper verification. \nIf Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). \nI appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.","date_sent_to_company":"2024-08-10T05:55:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"9756067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-10T05:55:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Specifically, section 1785.16 requires <em>credit</em> agencies to investigate and correct <em>errors</em> within 30 days of receiving a dispute. \n\nTherefore, I request that Equifax : Immediately remove the incorrect and outdated information from my <em>credit</em> report. \nProvide an updated copy of my <em>credit</em> report with the corrections made. \nEnsure that such information is not re-inserted <em>without</em> proper verification."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.001401,"9756067"]},{"_index":"complaint-public-v1","_id":"9756066","_score":12.001401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). \n\n*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Employment History In the state of California, the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.1 et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section 1785.16 requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. \n\nTherefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. \nProvide an updated copy of my credit report with the corrections made. \nEnsure that such information is not re-inserted without proper verification. \nIf Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). \nI appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.","date_sent_to_company":"2024-08-10T05:55:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"9756066","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-10T05:55:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Specifically, section 1785.16 requires <em>credit</em> agencies to investigate and correct <em>errors</em> within 30 days of receiving a dispute. \n\nTherefore, I request that Equifax : Immediately remove the incorrect and outdated information from my <em>credit</em> report. \nProvide an updated copy of my <em>credit</em> report with the corrections made. \nEnsure that such information is not re-inserted <em>without</em> proper verification."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.001401,"9756066"]},{"_index":"complaint-public-v1","_id":"10113044","_score":11.843011,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am concerned that AmeriCredit dba GM Financial and XXXX XXXX may attempt to take actions that could cause harm to me. I would like to pursue pressing charges. \nI am writing to formally notify the CFPB that I am a victim of identity theft committed against me AmeriCredit Financial Services dba GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent activity related to a forged and unauthorized second Retail Installment Sale Contract ( XXXX ) dated XX/XX/XXXX, has been created and executed without my authorization in order to obtain funding. It is this fraudulent contract that GM Financial is using to validate and enforce an alleged debt obligation. I did not enter into this contract, and the signature purported to mine has been forged eight times. \n\nI have fully complied with the law by submitting an identity theft claim and declaration pursuant to California Civil Code 1798.93 ( c ) ( 1 ) and ( 2 ), since the contract originated in California, and it was mailed and delivered to the alleged lender GM Financial. I also submitted a billing error resolution notice under 12 CFR 1026.13, which was received by GM Financial on XX/XX/XXXX. Both XXXX XXXX XXXX XXXX and AmeriCredit Financial Services , Inc. dba GM Financial have committed fraud, identity theft, and forgery against me by creating a fraudulent and forged Retail Installment Sale Contract without my knowledge or consent. GM Financial is currently using this forged contract to enforce an obligation they are legally prohibited from enforcing.\n\nUnder 12 CFR 1026.13 ( d ) ( 1 ), I am entitled to withhold the disputed amount, which encompasses the entire contract amount, and any collection activity related to it is prohibited by law. Additionally, since the transaction involved the electronic transfer of money, there is a strong indication that wire and bank fraud may have occurred.\n\nI am also in the process of filing further authoritative complaints with the California and Washington Attorneys General, the IRS, and the SEC, among other entities. This issue appears to extend beyond my individual contract, as the language imprinted on the fraudulent contract aligns with GM Financials SEC filings, suggesting it may be part of a broader securitization program. This matter requires further investigation.","date_sent_to_company":"2024-09-13T19:14:46.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"98512","tags":null,"has_narrative":true,"complaint_id":"10113044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-09-13T18:53:43.000Z","state":"WA","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I have fully complied with the law by submitting an identity theft claim and declaration pursuant to <em>California</em> Civil Code 1798.93 ( c ) ( 1 ) and ( 2 ), since the contract originated in <em>California</em>, and it was mailed and delivered to the alleged lender GM Financial. I also submitted a billing <em>error</em> resolution notice under 12 CFR 1026.13, which was received by GM Financial on XX/XX/XXXX."],"sub_issue":["Loan opened <em>without</em> my consent or knowledge"]},"sort":[11.843011,"10113044"]},{"_index":"complaint-public-v1","_id":"2243000","_score":11.605922,"_source":{"product":"Student loan","complaint_what_happened":"I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. \nAES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.","date_sent_to_company":"2016-12-09T21:33:47.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2243000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2016-12-09T21:33:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Having problems with customer service"},"highlight":{"complaint_what_happened":["Recently, I discovered its flaw and contacted AES to correct the <em>errors</em>. AES responded by stating that it mailed out the Affidavit Form to <em>file</em> for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, <em>without</em> which AES would continue to bill me."]},"sort":[11.605922,"2243000"]},{"_index":"complaint-public-v1","_id":"10328533","_score":11.585805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Equifax Subject : Dispute of Incorrect Information on Credit Report and Request for Removal of Unauthorized Reinsertion of Inquiries Dear Sirs and Madams at Equifax XXXX I am writing to you as a consumer to file a formal dispute regarding incorrect information on my credit report as well as the unauthorized reinsertion of previously deleted inquiries. \nXXXX. Incorrect Name on Report : My full legal name is XXXX XXXX XXXX XXXX, and I have noticed that your system is reporting incorrect variations of my name, such as XXXX XXXX and XXXX. These versions do not correspond to my identity and must be removed immediately, as having multiple names on my credit file could cause serious problems in the accuracy of my personal data and affect my ability to access financial services. \nPursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), all data must be reported accurately and verified. I request immediate correction to ensure that only my legal name, XXXX XXXX XXXX XXXX, is reflected in your system and to remove any additional variations that cause confusion or errors in my report. \n2. Unauthorized Reinsertion of Inquiries and Enforcement of Section 611 ( B ) of the FCRA : I have noticed that several inquiries that were previously deleted from my report have been reinserted without my authorization and without my receipt of proper notification pursuant to Section 611 ( B ) of the FCRA ( 15 U.S.C 1681i ), which sets forth the following specific points that must be met before any deleted information can be reinserted into my report : Section 611 ( B ) of the FCRA : ( B ) ( i ) : The credit reporting agency must receive certified information from the source providing the data indicating that the deleted information is accurate and may be returned to the consumer 's file.\n\n( B ) ( ii ) : If information is reinserted, the credit reporting agency must send the consumer a written notice within five business days after the reinsertion, advising the consumer of the inclusion of the information and providing the name, address, and telephone number of the source of the data. \n( B ) ( iii ) : The notice must contain a statement of your rights under the FCRA and how you can dispute the information again if it is still incorrect. Below I detail the queries that were improperly re-inserted and in violation of Section 611 ( B ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Each of these queries was previously deleted and their reinsertion was not accompanied by the required Section 611 ( B ) ( ii ) notice. Since I did not receive any supporting documentation validating the accuracy of these queries or formal written notice, these reinsertions constitute a direct violation of my rights under the FCRA. \nI further request the immediate deletion of the account reflected as XXXX XXXX, as its presence in my report violates the FCRA 's principles of accuracy and verifiability. Under California state law, the reinsertion of these queries without notice and without providing supporting documentation is a violation of consumer protection laws, including : California Business and Professions Code Section 17200, which prohibits unfair business practices.\n\nCalifornia Consumer Privacy Act ( CCPA ), which ensures the protection and control of personal data. \nSince reinserting inquiries without my authorization or without the required notification is a violation of federal and state laws, I require that you immediately remove these inquiries and correct my name on my credit file. \nI request that you promptly investigate this matter and provide me with the results in writing within the 30-day timeframe required by the FCRA. I would also appreciate the supporting documentation used for reinserting these inquiries as referenced in Section 611 ( B ) of the FCRA.\n\nIf no action is taken, I will consider exercising my legal rights under the FCRA, CCPA, and California consumer protection laws.I thank you in advance for your cooperation in this matter. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-08T19:09:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"10328533","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-04T02:20:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under <em>California</em> state law, the reinsertion of these queries <em>without</em> notice and <em>without</em> providing supporting documentation is a violation of consumer protection laws, including : <em>California</em> Business and Professions Code Section 17200, which prohibits unfair business practices.\n\n<em>California</em> Consumer Privacy Act ( CCPA ), which ensures the protection and control of personal data."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.585805,"10328533"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":742,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":742}]}},"product":{"doc_count":742,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":312,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":309},{"key":"Other personal consumer 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