{"took":1616,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12659417","_score":19.791079,"_source":{"product":"Mortgage","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Wells Fargo Bank, N.A.s Role in Loan Laundering, Fraudulent Foreclosure & RICO Predicate Acts **Re : CFPB Case No. XXXX Additional Complaint Against Wells Fargo Bank , N.A . Based on XXXX XXXX XXXX Confession Dear CFPB Officials, This complaint supplements the current investigation under CFPB Case No. XXXX and expands it to include Wells Fargo Bank , N.A . for its role in a fraudulent foreclosure, loan laundering operation, and a pattern of racketeering activity ( RICO predicate acts ). \n\nSummary of Facts XXXX. XXXX XXXX XXXX Confession Confirms Loan Was Paid Off in XXXX On XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed that Loan # XXXX was paid in full on XX/XX/XXXX, prior to their acquisition of XXXX. \n\nXXXX  XXXX XXXX letter acknowledges that the loan was securitized into XXXX Asset-Backed Certificates Trust XXXX and that XXXX was the investor of record. \n\nThis effectively nullifies any claim of ongoing debt or foreclosure beyond that date. \n\n\n2. Wells Fargos Claims Contradict XXXX XXXX and Confirm Loan Laundering Despite XXXX XXXX XXXXXXXX confirmation of payoff and securitization, Wells Fargo claimed to have purchased the same note from XXXX XXXX via XXXXXXXX XXXX XXXXXXXX, and further claimed to be the holder in due course ( XXXX ) of the note. \n\nHowever, a forensic affidavit confirms that XXXX XXXX sold the same loan into XXXX XXXX XXXX XXXX XXXX, and no legal repurchase or removal from that trust ever occurred. \n\nWells Fargos claim is therefore legally impossible and serves as confirmation of loan laundering : attempting to recreate a paid-off and securitized loan to fabricate a default scenario.\n\n3. Foreclosure Was Based on Falsified Records Wells Fargo pursued a foreclosure using Loan # XXXX, a fabricated loan number used to obscure the securitized nature of the original note. \n\nThis strategy amounts to title laundering and fraud in the factum, further supported by : A void Assignment of Mortgage from XXXX. \n\nA post-foreclosure claim of indemnification by Wells Fargo, despite no recorded lien. \n\nAbsence of any legitimate chain of title between XXXX XXXX and Wells Fargo. \n\nRICO Predicate Acts by Wells Fargo Bank , N.A . \n\nXXXX XXXX conduct constitutes a pattern of racketeering activity under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), including : 18 U.S.C. 1341 Mail Fraud : Using the mail to transmit false default notices and fraudulent assignments.\n\n18 U.S.C. 1343 Wire Fraud : Electronic transmission of fabricated servicing records, foreclosure notices, and fake loan account identifiers.\n\n18 U.S.C. 1956 Money Laundering : Repurposing a paid, securitized debt into a new loan for collection and foreclosure.\n\n18 U.S.C. 1028 Fraudulent Documents : Relying on false endorsements and void assignments to support foreclosure filings. \n\n\nRequested Action from the CFPB We respectfully request that the CFPB : 1. Initiate a separate enforcement action against Wells Fargo Bank , N.A . for mortgage fraud, loan laundering, and servicing deception.\n2. Refer findings to the U.S. Department of Justice and HUD OIG for further review under the False Claims Act and RICO. \n\n\n3. Subpoena Wells Fargos custodial records showing the alleged note purchase, XXXX XXXX, and any warehouse XXXX XXXX from XXXXXXXX XXXX XXXX \n\n\n4. Order immediate restitution for the wrongful foreclosure and rent loss from XXXX to present, including : Return of title to the Estate of XXXX XXXX, XXXX. \n\nCompensation for over 9 years of Section 8 rental income fraudulently collected. \n\nFull audit of servicing practices for all loans originated by XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX XXXX \n\n\nConclusion XXXX XXXX XXXXXXXX admission exposed the truth : Loan # XXXX was paid in full and securitized, making any subsequent foreclosure unlawful. Wells Fargos contradictory claims, fabricated paper trail, and deceptive servicing actions constitute textbook mortgage fraud, RICO violations, and a scheme to defraud both borrowers and federal agencies. \n\nThis case presents a critical opportunity for the CFPB to expose systemic misconduct and restore public trust in mortgage servicing oversight. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX On Behalf of the Estate of XXXX XXXX, XXXX. \nDate : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-03-25T12:52:18.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"13760","tags":null,"has_narrative":true,"complaint_id":"12659417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-25T12:32:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX conduct constitutes a pattern of racketeering activity under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), including : 18 U.S.C. 1341 Mail <em>Fraud</em> : Using the mail to transmit false default notices and fraudulent assignments.\n\n18 U.S.C. 1343 Wire <em>Fraud</em> : <em>Electronic</em> <em>transmission</em> of <em>fabricated</em> <em>servicing</em> records, foreclosure notices, and fake loan account identifiers.\n\n18 U.S.C. 1956 Money Laundering : Repurposing a paid, securitized debt into a new loan for collection and"],"sub_issue":["Trying to communicate with the company to fix an issue while managing or <em>servicing</em> your loan"]},"sort":[19.791079,"12659417"]},{"_index":"complaint-public-v1","_id":"12847312","_score":16.04468,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, I am filing this formal and urgent complaint against one or more entities that have reported a fraudulent tradeline on my credit report. I am the victim of identity theft and ongoing misconduct that I now believe may constitute federal crimes under multiple U.S. Code statutes. \n\nA debt accounttotaling {$130.00}, and showing a suspicious {$1.00} paymentwas added to my credit file without my knowledge, consent, or participation. I did not open this account, authorize it, or recognize the creditor in any way. I have never received services, statements, nor agreed to any repayment related to this account. \n\nI disputed the tradeline with the credit bureaus, but they improperly \" verified '' it. No evidence has been presented to me. The parties involved have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate and remove fraudulent data. The supposed {$1.00} payment appears to be a fabricated transaction intended to manipulate the statute of limitations and prolong the life of a false debt. \n\nIDENTITY THEFT AND WIRE FRAUD FEDERAL CRIMES I am alleging that this conduct constitutes not just civil harm, but criminal activity, and I am requesting that the CFPB : - Refer this complaint to the Federal Bureau of Investigation ( FBI ) - Contact the Department of Justice if appropriate - Coordinate with my State Attorney General, who has not responded to a previous complaint filed over a month ago This case involves : Wire Fraud ( XXXX XXXX. XXXX ) The false debt, verification, and transmission of credit data occurred via electronic systems that cross state lines ( internet-based credit reporting, email, automated dispute resolution systems ). This meets the criteria for wire fraud, a federal felony punishable by up to 20 years in prison per count. \n\nAny scheme to defraud another using interstate electronic communicationincluding submitting or verifying false credit informationis prosecutable under federal law. \n\nIdentity Theft ( XXXX XXXX. XXXX & XXXX ) My personally identifying information was used without my knowledge or consent. Under federal law, the unauthorized use of someones identity to commit fraud or obtain anything of value is identity theftand if done in furtherance of another felony ( such as wire fraud ), it qualifies as aggravated identity theft, with mandatory additional prison time. \n\nXXXX. DAMAGES AND HARM Because of this false tradeline : - I have been denied housing - I am currently homeless- I have no access to stable income, public benefits, or healthcare - My mental and physical health are deteriorating - I may soon lose my only mailing address, making me further unreachable and vulnerable- This is not a mere clerical error. I am experiencing irreparable harm to my life and safety, directly caused by this misconduct. \n\nXXXX. LEGAL VIOLATIONS FCRA AND BEYOND The parties involved have likely violated : Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) XXXX Failure to reasonably investigate my dispute XXXX ( b ) Furnishers must investigate disputed information XXXX Willful noncompliance ( eligible for punitive damages ) XXXX Negligent noncompliance Other Relevant Laws XXXX U.S.C. XXXX XXXX fraud XXXX XXXX. XXXX Identity theft XXXX XXXX. XXXX Aggravated identity theft State consumer protection and fraud statutes ( pending investigation ) XXXX. WHAT I AM REQUESTING Immediate referral to the FBI, FTC, and DOJ for criminal investigation - CFPB assistance in contacting my State Attorney General to compel a response - Access to or referral for legal representation or legal aid services- Full investigation into the furnisher and the credit reporting agency 's conduct - Enforcement action against any party found to be willfully or negligently complicit - Restitution for damages suffered under FCRA, and support restoring my credit profile I am NOT simply requesting the removal of the tradelineI am demanding a criminal investigation and civil enforcement for the willful destruction of my livelihood. \n\nThank you your time and help in this matter. \n- XXXX XXXX","date_sent_to_company":"2025-04-06T18:00:28.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"95831","tags":null,"has_narrative":true,"complaint_id":"12847312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CONTRACT CALLERS INC","date_received":"2025-04-06T17:04:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["XXXX ) The false debt, verification, and <em>transmission</em> of credit data occurred via <em>electronic</em> systems that cross state lines ( internet-based credit reporting, email, automated dispute resolution systems ). This meets the criteria for wire <em>fraud</em>, a federal felony punishable by up to 20 years in prison per count. \n\nAny scheme to defraud another using interstate <em>electronic</em> communicationincluding submitting or verifying false credit informationis prosecutable under federal law."]},"sort":[16.04468,"12847312"]},{"_index":"complaint-public-v1","_id":"13504088","_score":15.205319,"_source":{"product":"Mortgage","complaint_what_happened":"1. Unauthorized Interference Before Legally Servicing the Loan o On XX/XX/XXXX, Mr. Cooper interfered with my PREPAID XXXX insurance policy before they were legally servicing my loan. They contacted XXXX and initiated a forced insurance change by backdating a fabricated lapse in coverage. \no This created a false justification to cancel my valid prepaid policy and force-place a more than double the premium. \n2. False Insurance Payment Entry & Cancellation Deception o A payment was falsely recorded as made on XX/XX/XXXXXXXX  ; the actual escrow deduction didnt occur until XX/XX/XXXX. \no I was not informed of any cancellation. My policy was terminated and replaced without notification or consent, violating RESPA and state insurance regulations. \n3. Unauthorized Escrow Withdrawal & Overcharge for Forced Insurance o On XX/XX/XXXX, Mr. Cooper withdrew the entire annual premium {$1500.00} from escrow for forced insurance despite my XXXX policy being paid in full. \no the policy they implemented ignored the available discounted rate of {$1300.00}, resulting in an overcharge of {$210.00}. \n4. Absorption and Misallocation of Prepaid Premiums o Seven months of prepaid XXXX coverage were never refunded to me or applied to my escrow account. \no the remaining funds were silently applied to the new policy without disclosure, further constituting a conversion of funds. \n5. Reversal and Withholding of XXXX Escrow Transfer o My XXXX escrow balance in XX/XX/XXXX was {$1000.00}. By XX/XX/XXXX, Mr. Cooper showed only {$440.00} in escrow, with {$580.00} unaccounted for and no valid explanation. Also, they did a reversal of the funds transferred from XXXX. \n6. Fabricated Property Tax Charge and Lump-Sum Withdrawal o On XX/XX/XXXX, Mr. Cooper withdrew {$740.00} from escrow for taxes despite XXXX XXXX showing no property tax due. \no No payee, parcel ID, or confirmation was provided. They scheduled another charge for XX/XX/XXXX, doubling the fraud. \no Instead of spreading this alleged tax cost over 12 months as required under standard escrow practices, they made a single lump-sum withdrawal, thereby triggering an immediate and artificial shortage in my account. \n7. Forced Full-Year Charges & False Shortage Setup o Mr. Cooper charged my escrow for full-year premiums for both tax and insurance without my consent.\n\no Instead of spreading costs monthly, they made lump-sum deductions, creating a false escrow shortage and triggering payment increases. \n8. Violation of RESPA 2605 ( f ) ( 3 ) and TILA 1639 o Mr. Cooper withheld transferred escrow funds for more than 60 days and misrepresented escrow obligations.\n\no They withheld well beyond the permitted window and withheld significantly more than 60 days worth of escrow, withholding thousands in funds while reporting false shortages. \no These actions directly violate RESPA, TILA, and HUD/FHA administrative servicing requirements.\n\n9. Exploitation of Disabled Borrower in Violation of ADA and ECOA o Mr. Cooper knowingly targeted me, a disabled borrower, with abusive practices. \no This exacerbated my condition and created discriminatory financial pressure, violating ADA and ECOA protections.\n\n10. Suspicious Fire Sale Transfer to XXXX XXXX Amid Ongoing Liability On XX/XX/XXXX, XXXX XXXX  announced a {$9.00} XXXX acquisition of Mr. Cooper. In reality, Mr. Cooper actively transferred my loan to XXXX during the height of unresolved misconduct and liability exposure. This transaction resembles a calculated fire sale, wherein tainted and legally compromised loans, like mine, were offloaded to another entity to sidestep accountability for systematic. \nIf this fraudulent pattern occurred in my account, it is highly probable that other borrowers were similarly exploited and transferred without full disclosure, making this not only a personal violation but potentially a broader consumer protection and regulatory crisis. \n11. Fraudulent Retention of Canceled Insurance Premium Post-Policy Termination On or about XXXX XXXX XXXX  I formally canceled the forced-placed XXXX Insurance policy ( premium : {$1500.00} ), which Mr. Cooper had fraudulently applied. Despite this cancellation, Mr. Coopers most recent escrow analysis continues to treat the policy as active, listing a future installment due XX/XX/XXXX. This constitutes a willful misrepresentation of my escrow obligations and ongoing escrow fraud, designed to justify future shortages and payment increases. \n12. Unauthorized Application of Funds Toward Foremost Insurance Policy After I canceled the forced-placed XXXX policy , I obtained a new policy through Foremost Insurance with an annual premium of {$910.00}. Mr. Cooper then withdrew these funds from my escrow account without my consent or knowledge and withdrew the fill annual premium creating a negative balance in my escrow. \nThis unauthorized withdrawal forced my escrow account into a negative balance and reflects continued manipulation and unlawful servicing activity in direct violation of RESPA and FHA escrow handling rules. \nMr. Cooper again failed to spread this cost over monthly installments, further destabilizing my escrow balance. \nA new escrow analysis has already been scheduled for XX/XX/XXXX, setting up another fabricated shortage to justify additional payment increases. \nThis pattern of sudden full withdrawals, concealed billing, and future analysis manipulation demonstrates that these are not isolated errors but part of a calculated servicing scheme. \nAdditionally, the use of electronic systemsincluding online mortgage portals, wire transfers of escrow funds, internal servicing platforms, and automated policy switching toolsestablishes probable cause for wire fraud under 18 U.S.C. 1343 and potential digital fraud through misrepresentation of financial data and electronic records. The fraudulent transmissions of escrow balances, backdated insurance records, manipulated tax disbursements, and digital suppression of borrower notifications all meet the criteria for financial fraud committed through interstate systems and digital infrastructure.\n\n14. Premeditated and Engineered Foreclosure Scheme The cumulative actions described throughout this declaration were not accidental nor negligentthey represent a premeditated effort to push this loan into default and seize the property through engineered foreclosure.\n\nMr. Coopers actions targeted a historically significant family home passed down from my grandmother, which has been in our family since XXXX. \nThe servicer 's pattern of false shortages, escrow theft, unauthorized charges, and misrepresentations was designed to destabilize my finances and manufacture delinquency, enabling them to claim the property and profit through FHA insurance recovery illegally. \nThis constitutes an egregious abuse of the FHA servicing platform and a direct attack on intergenerational wealth in violation of federal law and public trust. \nThere are SEVERAL complaints on the XXXX  website against XXXX XXXX which is a subsidiary of Mr. Cooper. It is to my knowledge that Mr. Cooper is the company actually servicing my loan. Also, I am a XXXX borrower on a fixed income.Immediate cancellation of the FHA-insured mortgage loan.\n\nThis unscrupulous company has engineered a fraudulent scheme to illegally foreclose on hard working American 's and American 's who are on a fixed income property. My house was left to me by my Grandmother and has been in my family since XXXX! \nFull lien release Refund of all escrow funds misapplied or stolen Reimbursement for legal fees, emotional distress, and statutory damages Post-cancellation compensation of no less than {$100000.00} This demand reflects direct financial harm, ADA/ECOA violations, emotional distress as a disabled borrower, fraudulent escrow manipulation, and systematic deception carried out by Mr. Cooper and Lakeview Loan Servicing . \n\nI am also requesting that the CFPB : Launch a full investigation into Mr. Cooper, Lakeview, and XXXX XXXX  for systemic servicing abuse Refer this case to HUD and the U.S. Department of Justice for potential RICO, wire fraud, and civil rights violations Lastly, I want my experience to serve as a warning to otherswhat happened to me is likely happening to many. I urge CFPB to publish my account ( anonymized ) on consumerfinance.gov so others can avoid similar harm.","date_sent_to_company":"2025-05-14T03:51:41.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"46060","tags":null,"has_narrative":true,"complaint_id":"13504088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-05-14T03:19:35.000Z","state":"IN","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Additionally, the use of <em>electronic</em> systemsincluding online mortgage portals, wire transfers of escrow funds, internal <em>servicing</em> platforms, and automated policy switching toolsestablishes probable cause for wire <em>fraud</em> under 18 U.S.C. 1343 and potential digital <em>fraud</em> through misrepresentation of financial data and <em>electronic</em> records."]},"sort":[15.205319,"13504088"]},{"_index":"complaint-public-v1","_id":"17434301","_score":10.614809,"_source":{"product":"Mortgage","complaint_what_happened":"b'Today, I, acting as Attorney-in-Fact for Robert A. Sagar under a duly executed Limited Power of Attorney appointed XXXX XXXX XXXX, am filing this CFPB complaint against Selene XXXX XXXX documenting willful violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, identity theft statutes, and continued furnishing of fraudulent trade line information after actual notice of void underlying instrument and commercial dishonor.\\nSelene XXXX XXXX  serves(ed) as loan servicer for a mortgage originated XXXX XXXX XXXX  by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, secured by property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\\nBetween XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sent no fewer than XXXX XXXX lawful notices to XXXX XXXX XXXX XXXX demanding documentary proof of consideration, validation of debt, production of the original wet-ink contract, and proof of jurisdictional authority to collect or enforce the alleged obligation. Each notice cited XXXX XXXX XXXX  (Federal Reserve admission that banks loan credit, not money), 12 U.S.C.  24(7) (national banks cannot lend their own credit), XXXX XXXX XXXX XXXX XXXX v. XXXX  (ledger entries do not constitute loans), and XXXX XXXX (dishonor by non-response). XXXX XXXX XXXX XXXX. failed to respond to any of the XXXX XXXX) notices. Under basic commercial law, unrebutted sworn presentment constitutes acceptance of the facts presented and commercial dishonor. The debt was extinguished under UCC  3-501 and 3-603.\\nOn XXXX XXXX XXXXXXXX XXXX XXXX XXXXr filed UCC-1 Financing Statement (Delaware File No. XXXX  XXXX) perfecting his senior secured creditor position against Selene XXXX XXXX. Following the UCC-1 filing, Selene ceased all enforcement and collection activity, acknowledging the superior secured position. However, despite cessation, Selene continues to furnish adverse credit reporting to XXXX, XXXX, and XXXX  on the void instrument.\\nOn XXXX XXXX XXXX Private Administrative Notices of Conflict, Trespass, and Fraud Upon the Court were sent via certified mail to XXXX XXXX XXXX XXXX\\'s legal counsel XXXX XXXX XXXX XXXX XXXX  (Certified Mail Article Number XXXX XXXX XXXX XXXX XXXX XXXX) and to appointed referee XXXX XXXX XXXX Esq. (Certified Mail Article Number XXXX XXXX XXXX XXXX XXXX XXXX). XXXX  tracking confirmed delivery to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX XXXX, and delivery to XXXX XXXX XXXX, Esq. on XXXX XXXX XXXX  at XXXX XXXX in XXXX XXXX XXXX. The notices demanded XXXX-day rebuttal providing proof that jurisdiction exists despite the perfected lien and that counsel has authority superior to perfected UCC filings. No rebuttal was received. Under UCC  3-501, failure to respond to a demand within the stated timeframe constitutes dishonor. The XXXX-day rebuttal period expired XXXX XXXX XXXX.\\nDespite receiving constructive notice through counsel on XXXX XXXX XXXX, despite failing to rebut within XXXX  days, and despite ceasing all collection activity after the XXXX XXXX XXXX  UCC-1 filing, Selene XXXX XXXX continues to furnish adverse credit reporting on the void instrument.\\nThis continued furnishing after notice of commercial dishonor constitutes willful violation of federal law.\\nThe foreclosure action (XXXX XXXX XXXX XXXX Index No. XXXX) remains pending but dormant. Again, Selene has taken no enforcement or collection action since the XXXX XXXX XXXX UCC-1 filing. However, Selene continues reporting the account as \"past due\" despite having ceased all collection activity, despite actual notice through counsel that the underlying instrument is void, and despite unrebutted commercial dishonor.\\nAdditionally, subsequent investigation has revealed that the loan was underwritten using XXXX  credit scoring infrastructure derived from the void XXXX  \"Analytic Products and Services Master Contract\" between Fair Isaac Corporation and the legally defunct Equifax Inc. Under Georgia Business Corporation Code  14-2-401 and 14-2-501, a dissolved or non-existent corporation cannot lawfully contract. Because XXXX  had ceased to exist as a lawful entity at the time of the XXXX  agreement, the contract was void ab initio. The XXXX  scoring model built upon itand all instruments derived from that modellack lawful foundation. Every instrument derived from that fraudulent scoring infrastructureincluding the Sagar mortgageis void ab initio.\\nThe use of XXXX XXXX XXXX personal identifying informationSocial Security number, name, address, credit history, and payment datato generate XXXX  scores that were then used to price, approve, and securitize the loan constitutes identity theft under 18 U.S.C.  1028(a)(7). The scoring process appropriated personal identifiers without lawful authority and transformed them into synthetic tradeable assets. Robert A. Sagar\\'s identity was used to fabricate a financial instrument that was subsequently sold to investors.\\nThis conduct also constitutes securities fraud under 15 U.S.C.  77q(a) (Securities Act of XXXX) and 15 U.S.C.  78j(b) (Securities Exchange Act of XXXX), as well as violations of SEC Rule 10b-5. The mortgage-backed securities (MBS) and collateralized debt obligations (CDOs) derived from this loan were sold to investors based on materially false representations regarding the creditworthiness of the underlying borrower. The credit scores used to price and package the loan were derived from void contracts with legally nonexistent entities. Every prospectus, offering memorandum, pooling and servicing agreement, and investor disclosure document contained false and misleading information regarding the quality and validity of the underlying collateral. Investors purchased securities under the false belief that the loans were underwritten using lawful credit evaluation standards. They were not.\\nAdditionally, mortgage-backed securities and credit default swaps (CDS) tied to these instruments fall under the jurisdiction of the Commodity Futures Trading Commission (CFTC) pursuant to the Commodity Exchange Act, 7 U.S.C.  1 et seq., and the XXXX Wall Street Reform and Consumer Protection Act, 7 U.S.C.  2(a)(1)(A). Credit default swaps and other derivatives based on mortgages underwritten with void XXXX or XXXX  data constitute swaps based on fraudulent reference assets. Under 7 U.S.C.  6(c)(1) and CFTC Rule 180.1, it is unlawful to employ any manipulative or deceptive device or contrivance in connection with any swap. The systematic use of credit scores derived from void corporate entities to price, package, and hedge trillions of dollars in mortgage-related derivatives constitutes market manipulation and fraud in the swaps market on a scale affecting the entire global financial system.\\nThis constitutes knowing transfer and use of means of identification in connection with unlawful activity under 18 U.S.C.  1028(a)(7), securities fraud under 15 U.S.C.  77q(a) and 78j(b), wire fraud under 18 U.S.C.  1343, mail fraud under 18 U.S.C.  1341, and commodities fraud under 7 U.S.C.  6(c)(1) and  9(1).\\nThe documents supporting this filing include certified public records from the XXXX  Secretary of State and XXXX Division of Corporations proving XXXX\\'s corporate extinction between XXXX  and XXXX, the void XXXX XXXX-Fair Isaac contract, UCC-1 Financing Statement XXXX  File No. XXXX XXXX, Private Administrative Notices with XXXX  delivery confirmation showing delivery XXXX XXXX XXXX, SEC tip/complaint TCR XXXX  filed XXXX XXXX XXXX, CFTC tip/complaint TCR XXXX  filed XXXX XXXX XXXX, XXXX  Department of Justice consumer complaints XXXX XXXX and XXXX XXXX  filed XXXX XXXX XXXX, XXXX  Attorney General Consumer Protection Division complaint filed XXXX XXXX XXXX, XXXX  Office of the Attorney General submissions, blockchain-verified timestamps anchored in XXXX  blocks XXXX, and sworn affidavits under penalty of perjury pursuant to the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act (18 U.S.C.  1028 et seq.).\\nSelene Finance LP received actual and constructive notice on XXXX XXXX XXXX through counsel XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.) that the underlying instrument is void, that the UCC-1 filing perfected XXXX XXXX XXXX senior secured position, and that continued furnishing constitutes knowing participation in identity misuse, securities fraud, mail fraud, wire fraud, and racketeering activity. Selene\\'s failure to cease furnishing, failure to notify XXXX, XXXX, and XXXX  of the void instrument, and failure to rebut the administrative notices within XXXX  days constitutes willful noncompliance and commercial dishonor.\\nSelene\\'s conduct violates:\\nFCRA  1681s-2(a)(6)  Prohibition on reporting information the furnisher knows or has reasonable cause to believe resulted from identity theft. Selene received actual notice through counsel on XXXX XXXX XXXX that the underlying instrument was void and that the credit scoring infrastructure used to underwrite the loan constituted identity theft under 18 U.S.C.  1028(a)(7). Continued furnishing after such notice is a willful violation.\\nFDCPA  1692e  False, deceptive, or misleading representations in connection with collection of debt. Reporting an account as \"past due\" when Selene has ceased all collection activity and received notice of commercial dishonor is false representation.\\nFDCPA  1692f  Unfair or unconscionable collection practices. Continuing to report adverse credit data after ceasing enforcement and receiving notice the instrument is void constitutes unconscionable conduct.\\n18 U.S.C.  1028(a)(7)  Knowing transfer, possession, or use of a means of identification of another person with intent to commit, or to aid or abet, any unlawful activity. Selene\\'s continued use of XXXX XXXX XXXX personal identifying information (name, SSN, payment history) to furnish trade lines on a void instrument constitutes knowing use of means of identification in connection with unlawful activity.\\n18 U.S.C.  1343  Wire fraud through electronic transmission of fraudulent trade line data to credit reporting agencies. Each XXXX XXXX  file transmission to XXXX, XXXX, and XXXX  after XXXX XXXX XXXX constitutes a separate act of wire fraud.\\nUCC  3-501  Proceeding after commercial dishonor. Selene\\'s failure to rebut the XXXX XXXX XXXX notices within XXXX  days constitutes dishonor, and any continued activity thereafter is unlawful.\\nAccordingly, Selene XXXX XXXX  is directed to preserve, without alteration, all records, communications, metadata, servicing documentation, credit furnishing data, collection activity logs, and chain-of-custody materials relating to this loan and any credit reporting furnished to consumer reporting agencies.'","date_sent_to_company":"2025-11-21T19:34:15.000Z","issue":"Incorrect information on your report","sub_product":"Conventional home mortgage","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"17434301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2025-11-21T19:13:46.000Z","state":"DC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["\\n18 U.S.C.  1343  Wire <em>fraud</em> through <em>electronic</em> <em>transmission</em> of fraudulent trade line data to credit reporting agencies. Each XXXX XXXX  file <em>transmission</em> to XXXX, XXXX, and XXXX  after XXXX XXXX XXXX constitutes a separate act of wire <em>fraud</em>.\\nUCC  3-501  Proceeding after commercial dishonor. Selene\\'s failure to rebut the XXXX XXXX XXXX notices within XXXX  days constitutes dishonor, and any continued activity thereafter is unlawful."]},"sort":[10.614809,"17434301"]},{"_index":"complaint-public-v1","_id":"12353562","_score":9.5304165,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX violated 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( XXXX XXXXXXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( XXXX  XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), XXXX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXXs engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TBOM/CONTFIN is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXXXXXX XXXX  for criminal review. There is indisputable evidence proving XXXX  Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has violated : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX  has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. XXXX  XXXX ( 18 U.S.C. 1344 ) TBOM/CONTFIN refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. XXXX XXXX  ( 18 U.S.C. 1341 ) XXXX  permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. 6.Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 7.Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. 8.Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : TBOM/CONTFIN in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX & XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX its affiliated creditors, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 2. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX nj XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. XXXX XXXXXXXX XXXX Distribution of Inaccurate Credit Reports ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX perpetuates a fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : TBOM/CONTFIN persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. XXXX XXXXXXXX Affecting Financial Institutions ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has engaged in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : TBOM/CONTFIN has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC Act ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission Act. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX  deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. TBOM/CONTFIN actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. XXXX XXXXXXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. RICO Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. XXXX  XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has directly influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( Common Law ) : XXXX intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my credit score, denial of credit opportunities, and undue stress and hardship. Unfair Practices Under the FTC Act ( 15 U.S.C. 45 ) : TBOM/CONTFIN deceptive reporting practices are unfair under the FTC Act , causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. 5. Negligence and Malfeasance in Addressing Identity Theft TBOM/CONTFINs failure to correct these inaccuracies despite being notified through FTC Identity Theft Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : TBOM/CONTFIN is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of Personal Information : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX  continues to report outdated debts that are over seven years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than seven years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has failed to conduct a proper reinvestigation or correct the misinformation. d. Failure to Provide Notice of Dispute to Information Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within five business days. Lack of Communication : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXX, TBOM/CONTFIN has not blocked the fraudulent addresses and accounts from my credit report. 2. Violations of Other Consumer Protection Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates XXXX XXXXXXXX, XXXX collaboration with creditors and XXXX XXXXXXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX is facilitating unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX reports have taken adverse actions against me without providing the required notices, and XXXX has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : XXXX persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's requirements. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has failed to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on Credit Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's dispute resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, TBOM/CONTFIN denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : TBOM/CONTFIN disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet TBOM/CONTFIN continues to report such data. Facilitating Fraud : By not removing this information, TBOM/CONTFIN enables identity thieves to continue exploiting my personal information. e. Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : TBOM/CONTFIN actions meet the criteria for unfair practices : Substantial Injury : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but TBOM/CONTFIN failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX Violations Financial Harm : Due to XXXX  misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:29:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12353562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-03-06T17:22:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["By <em>fabricating</em> addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive <em>fraud</em>. XXXX XXXX ( 18 U.S.C. 1343 ) : The <em>electronic</em> <em>transmission</em> of knowingly false credit data constitutes wire <em>fraud</em>."]},"sort":[9.5304165,"12353562"]},{"_index":"complaint-public-v1","_id":"12354121","_score":9.294558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( Mail XXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( Bank XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX XXXX 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( XXXX XXXX and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXXXXXX XXXX I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security XXXX XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within XXXX business days, depriving me of my right to dispute it again. XXXX. Failure to XXXX XXXX XXXX XXXX FCRA 15 U.S.C. 1681c-2 ( a ), XXXX  must block information resulting from identity theft within XXXX business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to XXXX XXXX I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXX XXXX in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. XXXX  is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXX Attorney for criminal review. There is indisputable evidence proving XXXX Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has XXXX : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. Bank XXXX ( 18 U.S.C. 1344 ) XXXX refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX XXXX XXXX determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX  is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. Mail XXXX ( 18 U.S.C. 1341 ) XXXX permitted XXXX to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit XXXX ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports XXXX to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. XXXX to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. XXXXFraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. XXXX to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX XXXX XXXX XXXX, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. XXXX. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX XXXX XXXX fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : XXXX persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. Bank XXXX XXXX XXXX XXXX ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has XXXX in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : XXXX has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC XXXX ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission XXXX. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. XXXX actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. Mail XXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. XXXX Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. Bank XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has XXXX influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( XXXX XXXX ) : XXXX  intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my XXXX XXXX, denial of credit opportunities, and undue stress and hardship. Unfair Practices XXXX the FTC XXXX ( 15 U.S.C. 45 ) : XXXX  deceptive reporting practices are unfair under the FTC XXXX XXXX causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. XXXX. Negligence and Malfeasance in Addressing Identity Theft XXXX failure to correct these inaccuracies despite being notified through FTC Identity XXXX Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of XXXX XXXX : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX continues to report outdated debts that are over XXXX years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than XXXX years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX  must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has XXXX to conduct a proper reinvestigation or correct the misinformation. d. Failure to XXXX Notice XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within XXXX business days. Lack of XXXX : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX  has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to XXXX XXXX Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXXXXXX XXXX  has not blocked the fraudulent addresses and accounts from my credit report. XXXX. Violations of XXXX XXXX XXXX Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates debt XXXX, XXXX XXXX XXXX creditors and debt XXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX XXXX XXXX unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX XXXX have taken adverse actions against me without providing the required notices, and TBOM/CONTFIN has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : TBOM/CONTFIN persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's XXXX. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has XXXX to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on XXXX Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's XXXX resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, XXXX  denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : XXXX  disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet XXXX continues to report such data. Facilitating XXXX : By not removing this information, XXXX  enables identity thieves to continue exploiting my personal information. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : XXXX actions meet the criteria for unfair practices : XXXX XXXX : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but XXXX failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX  Violations Financial Harm : Due to XXXX misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:38:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12354121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2025-03-06T17:33:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["By <em>fabricating</em> addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive <em>fraud</em>. XXXX XXXX ( 18 U.S.C. 1343 ) : The <em>electronic</em> <em>transmission</em> of knowingly false credit data constitutes wire <em>fraud</em>."]},"sort":[9.294558,"12354121"]},{"_index":"complaint-public-v1","_id":"17815319","_score":6.1473713,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX Re : Dispute of Inaccurate Account Information Account # XXXX of Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Compliance Standards, and Related LawsDemand for Permanent Deletion, Cease and Desist, and Compensation Dear XXXX XXXX XXXX XXXX XXXX Department : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and incomplete reporting of my closed auto lease account ( Account # XXXX ) to XXXX XXXX XXXX XXXX. As the furnisher of this information, you are legally obligated under 15 U.S.C. 1681s-2 to provide accurate, complete, and verifiable information to consumer reporting agencies ( CRAs ). Your failure to do so constitutes multiple violations of federal law, including but not limited to inaccurate delinquency reporting, omission of progressive late payment notations, incorrect Date of First Delinquency ( DOFD ), and submission of unverified data via the e-OSCAR system without original documentation or a reasonable investigation.\n\nAll actions taken in response to this dispute are performed WITHOUT PREJUDICE under Uniform Commercial Code ( UCC ) 1-308, reserving all my rights to contest the validity of any alleged obligations while demanding compliance with applicable laws. \nAccount Details and Specific Inaccuracies * Account Type : Installment Auto Lease ( reported as closed on XX/XX/XXXX ). \n* Date Opened : XX/XX/XXXX. \n* High Credit : {$12000.00}. \n* Current Balance/Past Due : {$0.00}. \n* Payment Status : Reported as Paid or paying as agreed on TransUnion ; Paid, was past due 30 days on XXXX XXXX  Pays account as agreed on XXXX \n* Date of Last Payment : Varies ( XX/XX/XXXX on XXXX XXXX XX/XX/XXXX on XXXX XXXX XXXXXX/XX/XXXX on XXXX XXXX \n* Date Last Active : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX \n* Comments : LEASE-EARLY TERMINATION / MERCHANDISE RETURNED BEFORE THE END OF THE TERM.\n\n* Payment History ( Extended ) : Shows only 30 notations across XX/XX/XXXX and prior months on all bureaus, with no OK or current statuses preceding them. Critically, no 60-, 90-, 120-, or 180-day late notations appear, yet the account reflects a severe 180-day delinquency without progressive buildup. This is impossible under standard delinquency progression and Metro 2 guidelines.\n\nThese reports are inaccurate, incomplete, and unverifiable, causing demonstrable harm to my credit score, financial opportunities, and emotional well-being ( e.g., denied credit applications and increased interest rates ). Enclosed/attached are copies of my credit reports from Equifax, Experian, and TransUnion dated XXXX insert recent date ], along with payment records confirming timely payments until early termination. \nViolations of FCRA ( 15 U.S.C. 1681 et seq. ) 1. Inaccurate and Incomplete Reporting ( 1681s-2 ( a ) ) : You furnished false delinquency data, including a 180-day late status without supporting 30-, 60-, 90-, or 120-day notations. Metro 2 compliance requires sequential reporting of delinquencies based on the first 30 days past due leading to the DOFD. Your omission violates the duty to report complete and accurate information. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( furnishers liable for failing to conduct reasonable investigations into disputed inaccuracies ). \nXXXX. Incorrect Date of First Delinquency ( DOFD ) ( 1681c ( a ) ( 1 ) ) : The DOFD is erroneously reported, extending the reportable period beyond the 7-year limit for negative information. Accurate DOFD must reflect the first time the consumer was 30 days past the due date that led to the status being reported under XXXX XXXX and FCRA guidelines. This violation re-ages the account illegally. See XXXX U.S.C. 1681c ; Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( unverifiable DOFD must be deleted ). \nXXXX. Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) : Upon prior disputes, you failed to review all submitted information, including payment proofs, and instead relied on automated e-OSCAR verifications without original documents. FCRA requires a real investigation, not mere confirmation. Rule 1002 ( Federal Rules of Evidence ) mandates original documents for verification ; copies or automated checks are insufficient. No method of verification was provided to me, violating your duty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( furnishers must delete unverified information after reasonable inquiry ). \n4. e-OSCAR Automated Dispute Failures ( 1681i ( a ) ) : Data was uploaded via e-OSCAR without verification, reducing my detailed dispute to a generic code, excluding supporting documents. This messenger service approach violates CRAs and furnishers independent duties. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( automated responses without review are unreasonable under FCRA ). \nXXXX. Reinsertion of Deleted Information ( 1681i ( a ) ( 5 ) ( B ) ) : Any prior deletions were reinserted without certification of accuracy, a willful violation. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nViolations of FDCPA ( 15 U.S.C. 1692 et seq. ) As a furnisher engaging in debt collection via credit reporting, you are subject to FDCPA.\n\n1. False or Misleading Representations ( 1692e ) : Reporting a fabricated 180-day delinquency without progressive lates misrepresents the account status, overshadowing my right to dispute. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( inaccurate credit reporting is deceptive ). \nXXXX. Failure to XXXX XXXX ( XXXX ( b ) ) : You continued reporting without providing validation upon dispute, including original lease documents and payment ledgers. \nXXXX. Unfair Practices ( XXXX ) : Placing unverified negative information harms my credit without basis. \nXXXX XXXX and OCRA Compliance Violations * Account Status Code Errors : Closed accounts must use Code XXXX ( Closed, XXXX balance ) with accurate Payment Rating ( e.g., XXXX if current at close ). Your XXXX ratings without progression violate XXXX XXXX Base Segment requirements for installment accounts. See XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Resource Guide ( XXXX XXXX. ) ( delinquencies must be sequential ; DOFD ties to first XXXX miss ). \n* OCRA Standards : As an automated compliance tool, XXXX requires verifiable data transmission ; your e-OSCAR uploads bypassed this, failing to ensure clearly and conspicuously accurate reporting under 15 U.S.C. 1666b ( timing of payments ). No 21-day statement delivery grace or 5 p.m. due-date cutoff was honored, per 12 CFR 1026.13 and 15 U.S.C. 1637 ( b ).\n\n* Notice Requirement ( 1681s-2 ( a ) ( 7 ) ) : No pre-furnishing notice of negative information was provided. \nAdditional Violations * XXXX XXXX ( XXXX XXXX. XXXX ) : Electronic submission of misleading data via e-OSCAR constitutes wire fraud, as it was done knowingly to execute a scheme harming my credit. See United States XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( elements : scheme to defraud via interstate wires ). \n* Timing of Payments ( 15 U.S.C. 1666b ) : Late fees/delinqencies were imposed without reasonable procedures for timely statements or postmarked payments.\n\n* Furnisher Duties ( 1681s-2 ( a ) ( 1 ) ) : No guidelines followed for accuracy/integrity. \nDemands 1. Immediate Permanent Deletion : Delete all tradelines, lates, and DOFD from my files at Equifax, Experian, and TransUnion within 30 days ( extendable to 45 if new info provided ). Provide written confirmation and updated reports.\n\n2. Cease and Desist : Immediately cease all debt collection activities, communications ( phone, internet, email, mail ), and further reporting under FDCPA 1692c ( c ) and FCRA 1681s-2 ( b ).\n\n3. Compensation : Pay {$5000.00} in statutory damages ( 1681n ( a ) ), actual damages ( e.g., [ list specifics : higher interest rates, denied credit ] ), and punitive damages for willful violations.\n\n4. Method of Verification : Provide the exact method used to verify this account, including original documents ( not copies ), per 15 U.S.C. 1681s-2 ( b ) and FRE 1002.\n\n5. Investigation Report : Detail your full investigation, including reviewed documents and e-OSCAR codes used.\n\nFailure to comply will result in a lawsuit in federal court for actual/statutory/punitive damages, attorney fees ( 1681n/o ), and\nreferral to CFPB/FTC/DOJ. Respond within 30 days to avoid escalation.","date_sent_to_company":"2025-12-07T23:30:58.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"75067","tags":null,"has_narrative":true,"complaint_id":"17815319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2025-12-07T23:26:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX ) : <em>Electronic</em> submission of misleading data via e-OSCAR constitutes wire <em>fraud</em>, as it was done knowingly to execute a scheme harming my credit. See United States XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( elements : scheme to defraud via interstate wires ). \n* Timing of Payments ( 15 U.S.C. 1666b ) : Late fees/delinqencies were imposed without reasonable procedures for timely statements or postmarked payments."]},"sort":[6.1473713,"17815319"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7}]}},"product":{"doc_count":7,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}}]}},"issue":{"doc_count":7,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1},{"key":"Indicated you were committing crime by not paying debt","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":1},{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":1},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":1}]}}]}},"timely":{"doc_count":7,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":7}]}},"company_response":{"doc_count":7,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7}]}},"submitted_via":{"doc_count":7,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":7}]}},"company":{"doc_count":7,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CONTRACT CALLERS INC","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"DigniFi","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":7,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":3},{"key":"CA","doc_count":1},{"key":"DC","doc_count":1},{"key":"IN","doc_count":1},{"key":"NY","doc_count":1}]}},"company_public_response":{"doc_count":7,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":7,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}