{"took":378,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24783,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2768810","_score":9.4082985,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against XXXX XXXX , XXXX as an Accessory in Committing Fraud against XXXX XXXX XXXX for a debt that he does not owe under terms and conditions under the lease agreement with XXXX XXXX XXXX, XXXX XXXX XXXX, CFO. \n\nPage One ) The attached lease agreement states on page one of the monthly scheduled payments where XXXX XXXX XXXX has complied with the lease agreement. \n\nPage Two ) Section 8 states by Excessive Wear and Use. The lessee may be charged for excessive wear based on XXXX XXXX standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. \n\nThe penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. \n\n\nExample If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. \n\nInasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. \n\nHowever, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. \n\n\n\n\nLease term from XX/XX/XXXX and ending XX/XX/XXXX, but terminated on XX/XX/XXXX. \n\nXXXX XXXX committed consumer fraud and used XXXX XXXX to cover up their fraud and to have them collect the debt knowing that the debt was not valid under the terms and conditions of the lease agreement. \n\nXXXX did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term. Section 8 and Section 29 also applies if the lease came under full term of 36 months.\n\nXXXX XXXX failed to bill me each year under Section 8 and failed. However, in order to coverup their fraud they are billing me in bulk which violates the lease agreement. \n\n\nSection 16 ) Page Two states the total allowed milage at lease end is 36,000 miles.\n\nPage Three ) Titled ( Section Excess Mileage Charges ) It directs to see Section 8 for the charge of excess miles ( Section 8 states by Excessive Wear and Use. The lessee may be charged for e\nxcessive wear based on XXXX XXXX standards for normal use and for mileage in excess of 12000 miles PER YEAR, at the rate of {$.00} per mile ) and Section 16 for total allowed miles ( 36,000 Miles ) WHEREAS, XXXX XXXX failed to bill XXXX XXXX XXXX under the terms and conditions under the lease agreement as to Section 8 and fraudulently sent their issue to XXXX XXXX to collect their fraud and where XXXX XXXX knew or should have known by the terms of the lease to collect and harass XXXX XXXX XXXX to collect a debt, as an accessory to fraud. \n\nI hereby file my compliant against XXXX XXXX as a debt that I do not owe, XXXX XXXX  failed to bill me under the terms and conditions of the lease agreement for any excess miles each year over 12,000 miles. \n\nXXXX XXXX to be sanctioned for fraud.","date_sent_to_company":"2018-01-01T13:40:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2768810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2018-01-01T13:26:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX committed consumer <em>fraud</em> and used XXXX XXXX to cover up their <em>fraud</em> and to have them collect the debt knowing that the debt was not valid <em>under</em> the terms and conditions of the lease agreement. \n\nXXXX did not comply with <em>Section</em> 8 and <em>Section</em> 29 of the terms of the lease, they must comply with the lease agreement <em>under</em> early termination and bill me <em>under</em> <em>Section</em> 8 as the lease did not come <em>under</em> full term."]},"sort":[9.4082985,"2768810"]},{"_index":"complaint-public-v1","_id":"13330753","_score":9.294671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.","date_sent_to_company":"2025-05-05T01:18:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"13330753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-05T00:40:17.000Z","state":"NV","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":["in <em>section</em> 603, in accordance with procedures developed <em>under</em> <em>section</em> 621."]},"sort":[9.294671,"13330753"]},{"_index":"complaint-public-v1","_id":"13330615","_score":9.294671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.","date_sent_to_company":"2025-05-05T01:18:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"13330615","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-05T01:17:42.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["in <em>section</em> 603, in accordance with procedures developed <em>under</em> <em>section</em> 621."]},"sort":[9.294671,"13330615"]},{"_index":"complaint-public-v1","_id":"13330617","_score":9.283144,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity theft prevention ; fraud alerts, and active duty alerts 15 U.S.C. 1681c-1Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603, in accordance with procedures developed under section 621.","date_sent_to_company":"2025-05-05T01:18:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"13330617","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-05T01:17:42.000Z","state":"NV","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":["in <em>section</em> 603, in accordance with procedures developed <em>under</em> <em>section</em> 621."]},"sort":[9.283144,"13330617"]},{"_index":"complaint-public-v1","_id":"8219991","_score":9.282816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear CCM FINANCE LLC, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. \n\nIt has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for CCM FINANCE LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. \n\nI demand, with the utmost certainty, that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that CCM FINANCE LLC will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. \n\nDone in good faith.","date_sent_to_company":"2024-01-25T05:51:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70802","tags":null,"has_narrative":true,"complaint_id":"8219991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCM Finance LLC","date_received":"2024-01-25T05:49:19.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties <em>under</em> applicable laws, including identity theft <em>fraud</em> laws, including those outlined in Louisiana FCRA Identity Theft <em>Fraud</em> Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation <em>under</em> these specific <em>sections</em> of the FCRA, Texas state law, and identity theft <em>fraud</em> laws in Louisiana."]},"sort":[9.282816,"8219991"]},{"_index":"complaint-public-v1","_id":"8219981","_score":9.27392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. \n\nIt has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. \n\nI demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. \n\nDone in good faith.","date_sent_to_company":"2024-01-25T05:48:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70802","tags":null,"has_narrative":true,"complaint_id":"8219981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-25T05:45:20.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties <em>under</em> applicable laws, including identity theft <em>fraud</em> laws, including those outlined in Louisiana FCRA Identity Theft <em>Fraud</em> Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation <em>under</em> these specific <em>sections</em> of the FCRA, Texas state law, and identity theft <em>fraud</em> laws in Louisiana."]},"sort":[9.27392,"8219981"]},{"_index":"complaint-public-v1","_id":"8220002","_score":9.273396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear PRO COLLECT, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. \n\nIt has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. \n\nI demand, with the utmost certainty, that PRO COLLECT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that PRO COLLECT will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. \n\nDone in good faith.","date_sent_to_company":"2024-01-25T05:54:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70802","tags":null,"has_narrative":true,"complaint_id":"8220002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2024-01-25T05:51:57.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties <em>under</em> applicable laws, including identity theft <em>fraud</em> laws, including those outlined in Louisiana FCRA Identity Theft <em>Fraud</em> Laws. \n\nObtaining consent is not a discretionary choice but a legal obligation <em>under</em> these specific <em>sections</em> of the FCRA, Texas state law, and identity theft <em>fraud</em> laws in Louisiana."]},"sort":[9.273396,"8220002"]},{"_index":"complaint-public-v1","_id":"11659902","_score":9.222929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, XXXX AND TRANUNION to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.","date_sent_to_company":"2025-01-17T22:04:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48205","tags":null,"has_narrative":true,"complaint_id":"11659902","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-17T22:04:51.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My information was exposed to identity theft resulting in several accounts of <em>fraud</em> on my report. I sent dispute letters to XXXX, XXXX AND TRANUNION to dispute and remove these accounts. I made a <em>fraud</em> report with the FTC for <em>fraud</em> and or identity theft.I am disputing the accuracy of the reported item <em>under</em> <em>Section</em> 605B of the Fair Credit Reporting Act."]},"sort":[9.222929,"11659902"]},{"_index":"complaint-public-v1","_id":"11657820","_score":9.211972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to EXPERIAN, XXXX AND XXXX to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX XXXX  could not remain on my credit report beyond seven years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.","date_sent_to_company":"2025-01-17T22:04:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48205","tags":null,"has_narrative":true,"complaint_id":"11657820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T21:28:20.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My information was exposed to identity theft resulting in several accounts of <em>fraud</em> on my report. I sent dispute letters to EXPERIAN, XXXX AND XXXX to dispute and remove these accounts. I made a <em>fraud</em> report with the FTC for <em>fraud</em> and or identity theft.I am disputing the accuracy of the reported item <em>under</em> <em>Section</em> 605B of the Fair Credit Reporting Act."]},"sort":[9.211972,"11657820"]},{"_index":"complaint-public-v1","_id":"11659883","_score":9.208871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, EQUIFAX AND XXXX to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.","date_sent_to_company":"2025-01-17T22:04:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48205","tags":null,"has_narrative":true,"complaint_id":"11659883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T22:04:51.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My information was exposed to identity theft resulting in several accounts of <em>fraud</em> on my report. I sent dispute letters to XXXX, EQUIFAX AND XXXX to dispute and remove these accounts. I made a <em>fraud</em> report with the FTC for <em>fraud</em> and or identity theft.I am disputing the accuracy of the reported item <em>under</em> <em>Section</em> 605B of the Fair Credit Reporting Act."]},"sort":[9.208871,"11659883"]},{"_index":"complaint-public-v1","_id":"8681743","_score":9.18397,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Cease Unauthorized Credit Reporting Immediately California FCRA and Identity Theft Fraud Laws Dear DISCOVERBANK, I am reaching out to address a serious concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under California Civil Code Sections 1785.1 and 1785.15, and identity theft fraud laws, specifically California Penal Code Section 530.5. \nIt has been brought to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without securing my explicit consent. According to federal law, as specified in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nFurthermore, California state law, particularly Section 1785.1 of the Civil Code, underscores the importance of obtaining consumer consent for credit reporting. Additionally, Section 1785.15 establishes clear regulations for the proper reporting of consumer credit information within the state. \nSimultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, emphasize the seriousness of unauthorized access and misuse of personal information. \nI assert unequivocally that I have not granted consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a blatant disregard for federal and state laws. \nI demand, with the utmost certainty, that ( company name ) immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.1 and 1785.15 of the California Civil Code. Failure to comply within the stipulated 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. \nI emphasize that securing consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and harmful credit reporting. \nI anticipate your immediate attention to this matter and expect ( company name ) to promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-04-02T16:24:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90201","tags":null,"has_narrative":true,"complaint_id":"8681743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-04-02T15:53:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Cease Unauthorized Credit Reporting Immediately California FCRA and Identity Theft <em>Fraud</em> Laws Dear DISCOVERBANK, I am reaching out to address a serious concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly <em>under</em> California Civil Code <em>Sections</em> 1785.1 and 1785.15, and identity theft <em>fraud</em> laws, specifically California Penal Code <em>Section</em> 530.5."]},"sort":[9.18397,"8681743"]},{"_index":"complaint-public-v1","_id":"8451717","_score":9.171014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Cease Unauthorized Credit Reporting or Face Legal Action - Compliance Required under Texas FCRA Identity Theft Fraud Laws Dear WORTH FINANC, I am addressing a serious breach regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, particularly Texas Penal Code Section 32.51 . \n\nIt has come to my attention that WORTH FINANC has already engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal law, stipulated in the FCRA, unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn alignment with federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code provides explicit directives for the equitable reporting of consumer credit information. Concurrently, identity theft fraud laws, such as Texas Penal Code Section 32.51, accentuate the gravity of unauthorized access and misuse of personal information. \n\nI assert with absolute certainty that I have not granted consent for WORTH FINANC to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant infringement of my rights, potentially resulting in harm to my creditworthiness and a flagrant disregard for federal and state laws.\n\nI demand, unequivocally, that WORTH FINANC immediately desist from further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the designated 30-day timeframe will be deemed as intentional noncompliance, subject to penalties under relevant laws, inclusive of identity theft fraud laws.\n\nIt is imperative to understand that obtaining consent is not discretionary but a legal obligation under these specific provisions of the FCRA, Texas state law, and identity theft fraud laws. This is not a matter open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting.\n\nI anticipate your immediate attention to this matter and expect WORTH FINANC to expeditiously rectify these egregious violations, respecting my rights under federal and state laws.","date_sent_to_company":"2024-03-06T16:10:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77477","tags":null,"has_narrative":true,"complaint_id":"8451717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Worth Finance Corporation","date_received":"2024-03-01T06:58:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Cease Unauthorized Credit Reporting or Face Legal Action - Compliance Required <em>under</em> Texas FCRA Identity Theft <em>Fraud</em> Laws Dear WORTH FINANC, I am addressing a serious breach regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity theft <em>fraud</em> laws, particularly Texas Penal Code"]},"sort":[9.171014,"8451717"]},{"_index":"complaint-public-v1","_id":"8219743","_score":9.161865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas, and XXXX FCRA Identity Theft Fraud Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a blatant violation concerning the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \n\nIt has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nImportantly, I want to bring to your attention that XXXX FCRA identity theft fraud laws also highlight the seriousness of unauthorized access and misuse of personal information. As such, it is imperative for XXXX XXXX to adhere to the specific provisions of XXXX FCRA in addition to federal and Texas laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal, state, and XXXX regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal, state, and XXXX laws. \n\nDone in good faith.","date_sent_to_company":"2024-01-25T05:07:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"8219743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2024-01-25T04:55:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas, and XXXX FCRA Identity Theft <em>Fraud</em> Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a blatant violation concerning the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically"]},"sort":[9.161865,"8219743"]},{"_index":"complaint-public-v1","_id":"8790346","_score":9.161562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Cease Unauthorized Credit Reporting in Accordance with Michigan FCRA Identity Theft Fraud Laws Dear Opps Loan, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 445.252, 445.254, and 445.255, the Michigan Identity Theft Protection Act under Sections 445.61 and 445.63, and identity theft fraud laws, specifically Michigan Penal Code Section 750.285.\n\nIt has unequivocally come to my attention that Opps Loan has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and state laws, as outlined in the FCRA and the Michigan Identity Theft Protection Act, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 445.252.\n\nIn addition to federal law, Michigan state law, specifically Section 445.61 of the Michigan Identity Theft Protection Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 445.63 of the Michigan Identity Theft Protection Act establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Michigan Penal Code Section 750.285, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for Opps Loan to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.\n\nI demand, with the utmost certainty, that Opps Loan immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 445.252 of the FCRA and Sections 445.61 and 445.63 of the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Michigan state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that Opps Loan will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-04-17T18:18:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"8790346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Opportunity Financial, LLC","date_received":"2024-04-17T18:12:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Cease Unauthorized Credit Reporting in Accordance with Michigan FCRA Identity Theft <em>Fraud</em> Laws Dear Opps Loan, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 445.252, 445.254, and 445.255, the Michigan Identity Theft Protection Act <em>under</em> <em>Sections</em> 445.61 and 445.63, and identity theft <em>fraud</em> laws, specifically Michigan Penal Code <em>Section</em> 750.285."]},"sort":[9.161562,"8790346"]},{"_index":"complaint-public-v1","_id":"9015787","_score":9.1528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Cease Unauthorized Credit Reporting Immediately - Compliance with Ohio FCRA Identity Theft Fraud Laws Dear ATG CREDIT, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Finance Code under Sections 1349.19 and 1349.20, and pertinent identity theft fraud laws, notably Ohio Revised Code Section 2913.49. \n\nIt has recently come to my attention that ATG CREDIT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA unequivocally mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn alignment with federal law, Ohio state law, particularly Section 1349.19 of the Ohio Finance Code, underscores the imperative nature of consumer consent for credit reporting activities. Furthermore, Section 1349.20 of the Ohio Finance Code lays out clear directives for the fair reporting of consumer credit information. Concurrently, identity theft fraud laws, such as Ohio Revised Code Section 2913.49, highlight the gravity of unauthorized access and misuse of personal information. \n\nI affirm with absolute certainty that I have not provided consent for ATG CREDIT to report any information to my credit report. This evident absence of explicit permission constitutes a blatant infringement of my rights, potentially resulting in harm to my creditworthiness and a blatant disregard for federal and state laws. \n\nI demand, unequivocally, that ATG CREDIT immediately halts any further reporting of information to my credit report without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1349.19 and 1349.20 of the Ohio Finance Code. Failure to adhere to this demand within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. \n\nI stress that obtaining consent is not discretionary but a legal obligation under the aforementioned sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiable matter ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. \n\nI anticipate your immediate attention to this matter and expect ATG CREDIT to expeditiously rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-05-16T05:25:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44111","tags":null,"has_narrative":true,"complaint_id":"9015787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ATG Credit, LLC","date_received":"2024-05-16T05:19:30.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Cease Unauthorized Credit Reporting Immediately - Compliance with Ohio FCRA Identity Theft <em>Fraud</em> Laws Dear ATG CREDIT, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Finance Code <em>under</em> <em>Sections</em> 1349.19 and 1349.20, and pertinent identity theft <em>fraud</em> laws, notably"]},"sort":[9.1528,"9015787"]},{"_index":"complaint-public-v1","_id":"11610139","_score":9.125387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear JEFFERSON CAPITAL SYST I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .\n\nIt has unequivocally come to my attention that JEFFERSON CAPITAL SYST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.\n\nI assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.\n\nI demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.\n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws.\n\nDoneingoodfaith.","date_sent_to_company":"2025-01-21T01:37:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11610139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-21T01:34:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear JEFFERSON CAPITAL SYST I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.125387,"11610139"]},{"_index":"complaint-public-v1","_id":"8211176","_score":9.1247425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Total Visa, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \n\nIt has unequivocally come to my attention that Total Visa has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.\n\nI assert with unwavering certainty that I have not provided consent for Total Visa to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that Total Visa immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that Total Visa will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-01-24T01:34:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"8211176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST PORTFOLIO SERVICING INC","date_received":"2024-01-24T01:23:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Total Visa, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.1247425,"8211176"]},{"_index":"complaint-public-v1","_id":"8398258","_score":9.122502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"User Can you change this message using New York FCRA identity theft fraud laws Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear EXETER FINANCE LLC I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \nIt has unequivocally come to my attention that EXETER FINANCE LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \nI assert with unwavering certainty that I have not provided consent for EXETER FINANCE LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \nI demand, with the utmost certainty, that EXETER FINANCE LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \nI anticipate your immediate attention to this matter and expect that EXETER FINANCE LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith. \nXXXX Subject : Cease Unauthorized Credit Reporting : Violation Notice Under New York FCRA Identity Theft Fraud Laws Dear EXETER FINANCE LLC, I am reaching out to address a serious issue regarding the unauthorized reporting of information to my credit report, which is in direct violation of both federal and New York state laws, particularly the Fair Credit Reporting Act ( FCRA ) and New York 's identity theft fraud laws. \n\nIt has come to my attention that EXETER FINANCE LLC has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by the FCRA under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). This action not only breaches federal law but also contravenes New York 's specific regulations concerning identity theft and fraud.\n\nUnder New York FCRA identity theft fraud laws, it is imperative that consumer consent is obtained prior to any credit reporting activities. The unauthorized access and misuse of personal information, as observed in this instance, are serious offenses under New York law. \n\nI want to unequivocally state that I have not provided consent for EXETER FINANCE LLC to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, with potential ramifications for my creditworthiness, and demonstrates a blatant disregard for both federal and New York state laws. \n\nI demand, without reservation, that EXETER FINANCE LLC immediately halts any further reporting of information to my credit report without obtaining my explicit consent, as required by the FCRA and New York 's identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including New York 's identity theft fraud statutes. \n\nI want to emphasize that obtaining consent is not optional but a legal obligation under both federal and New York state regulations. This is not negotiable ; it is a demand for adherence to the law, aimed at safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. \n\nI expect your immediate attention to this matter and trust that EXETER FINANCE LLC will promptly rectify these egregious violations, thereby respecting my rights under federal and New York state laws. \n\nThis communication is made in good faith.","date_sent_to_company":"2024-02-23T05:42:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"8398258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2024-02-23T05:37:23.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[", and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.122502,"8398258"]},{"_index":"complaint-public-v1","_id":"11608625","_score":9.115604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear 800 LOANMART I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .\n\nIt has unequivocally come to my attention that 800 LOANMART has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \nI assert with unwavering certainty that I have not provided consent for 800 LOANMART to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \nI demand, with the utmost certainty, that 800 LOANMART immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \nI anticipate your immediate attention to this matter and expect that 800 LOANMART will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nXXXX.","date_sent_to_company":"2025-01-21T01:26:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11608625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WHEELS FINANCIAL GROUP, LLC.","date_received":"2025-01-21T01:23:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear 800 LOANMART I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.115604,"11608625"]},{"_index":"complaint-public-v1","_id":"9171605","_score":9.115297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX  XXXX, Texas Laws Dear XXXX, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \n\nIt has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Additionally, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. \n\nI demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.\n\nObtaining consent is a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these violations, respecting my rights under federal and state laws. \n\nDone in good faith. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-06-11T14:39:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75069","tags":null,"has_narrative":true,"complaint_id":"9171605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-06-04T20:05:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX  XXXX, Texas Laws Dear XXXX, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.115297,"9171605"]},{"_index":"complaint-public-v1","_id":"9093770","_score":9.115297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear MONEYLION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Section 407.970, and identity fraud laws, specifically Missouri Statutes Section 570.223 . \n\nIt has unequivocally come to my attention that MONEYLION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Missouri state law, specifically Section 407.970, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Statutes Section 570.223 establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Statutes Section 570.223, underscore the severity of unauthorized access and misuse of personal information. \n\nI assert with unwavering certainty that I have not provided consent for MONEYLION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \n\nI demand, with the utmost certainty, that MONEYLION immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 407.970 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that MONEYLION will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith, XXXX XXXX","date_sent_to_company":"2024-05-24T07:08:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"9093770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2024-05-24T07:03:26.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear MONEYLION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes <em>under</em> <em>Section</em> 407.970, and identity <em>fraud</em> laws, specifically Missouri Statutes <em>Section</em> 570.223 ."]},"sort":[9.115297,"9093770"]},{"_index":"complaint-public-v1","_id":"11609009","_score":9.115297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"DearXX/XX/XXXXCREDIT COLL I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .\n\nIt has unequivocally come to my attention that CREDIT COLL has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.\n\nI assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.\n\nI demand, with the utmost certainty, that CREDIT COLL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.\n\nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.\n\nI anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nXXXX.","date_sent_to_company":"2025-01-21T01:50:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11609009","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-01-21T01:44:11.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["DearXX/XX/XXXXCREDIT COLL I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.115297,"11609009"]},{"_index":"complaint-public-v1","_id":"11608647","_score":9.115297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX XXXX Code under Sections 392.301 and 392.305, and identity fraud laws, specifically XXXX  XXXX Code Section 32.51 XXXX \nIt has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX XXXX Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \nI assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \nI demand, with the utmost certainty, that XXXX immediately XXXX any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \nI anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nXXXX.","date_sent_to_company":"2025-01-31T17:09:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11608647","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-01-21T01:11:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear XXXX I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX XXXX Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically XXXX  XXXX Code <em>Section</em> 32.51 XXXX \nIt has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without"]},"sort":[9.115297,"11608647"]},{"_index":"complaint-public-v1","_id":"11608568","_score":9.115297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear ONEMAIN I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \nIt has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \nI assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \nI demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \nI anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nXXXX.","date_sent_to_company":"2025-01-21T01:34:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11608568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-01-21T01:31:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear ONEMAIN I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) <em>under</em> <em>Sections</em> 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code <em>under</em> <em>Sections</em> 392.301 and 392.305, and identity <em>fraud</em> laws, specifically Texas Penal Code <em>Section</em> 32.51 ."]},"sort":[9.115297,"11608568"]},{"_index":"complaint-public-v1","_id":"11609737","_score":9.111644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear AFFIRM INC I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . \nIt has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). \n\nIn addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. \nI assert with unwavering certainty that I have not provided consent for AFFIRM INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. \nI demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. \nI emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \nI anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nXXXX.","date_sent_to_company":"2025-01-21T01:31:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"11609737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-01-21T01:27:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear AFFIRM INC I am writing to address blatant violation regarding the 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