{"took":157,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5290807","_score":30.254292,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EXPERIAN any verbal or written consent to report anything on my consumer report. \n\nValidation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 7 transactions are also against my individual right to privacy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:28:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-06T17:20:08.000Z","state":"AZ","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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT"]},"sort":[30.254292,"5290807"]},{"_index":"complaint-public-v1","_id":"5290805","_score":30.193226,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:18:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-06T17:18:35.000Z","state":"AZ","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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX"]},"sort":[30.193226,"5290805"]},{"_index":"complaint-public-v1","_id":"5290799","_score":30.193226,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Trans Union LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:18:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290799","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-06T17:03:44.000Z","state":"AZ","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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX"]},"sort":[30.193226,"5290799"]},{"_index":"complaint-public-v1","_id":"5290812","_score":28.94211,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.\n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA XXXXelease that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:36:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-06T17:36:25.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me"]},"sort":[28.94211,"5290812"]},{"_index":"complaint-public-v1","_id":"5290810","_score":28.884792,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:36:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-06T17:29:59.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide"]},"sort":[28.884792,"5290810"]},{"_index":"complaint-public-v1","_id":"2533034","_score":26.741564,"_source":{"product":"Debt collection","complaint_what_happened":"Collection Consultants of California has willfully and blatantly violated the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), and the California State Debt Statute of Limitations laws with regards to an alleged debt they claim I owe them {$1500.00} for medical services related to account number XXXX XXXX. I previously requested validation ( not verification ) of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Their response dated XX/XX/XXXX violated the Health Insurance Portability and Accountability Act ( HIPAA ) by listing Personal Health Information ( PHI ) without obtaining a medical release form with my signature authorizing the release of such records. Again, the medical services listed on the correspondence were never rendered to me and are being reported incorrectly. Please be advised that under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Californias Consumer Credit Statutes, and subtitle D of the AAR, SEC. 13401. APPLICATIONS OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual personal health record, acquisition of such information without the authorization of the individual. Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition.\n( A ) Reporting information with actual knowledge of errors. HIPAA and Californias Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effectiveXX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all individually identifiable health information that is transmitted or maintained in any medium. Individually identifiable health information includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individuals physical or mental health or condition, including information related to an individuals care or the PAYMENT for such care. Consequently, Collection Consultants of California have continued to violate the FDCPA law by not conducting a proper re-investigation of this alleged debt. My correspondence datedXX/XX/XXXX and XX/XX/XXXX, not only requested validation but that their office provide competent evidence bearing my signature showing that I have a contractual obligation to pay this alleged debt. They were also instructed to provide me with a full description regarding the steps taken to rightfully validate this alleged debt to ascertain its being reported accurately by their office. Unfortunately, the computer-generated itemization report provided does not validate this alleged debt but does confirm their violations of both the FDCPA and HIPAA laws. Additionally, they you should be aware that the statute of limitations on all debts in the state of California is 4 years, except those made orally. The Statute of Limitations has long expired on this alleged debt. If it indeed exists, its considered uncollectible. In the legal parlances of the state of California Attorney Generals office, this is a zombie debt, and their firm could face severe consequences for pursuing this alleged debt any further. Please note that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX United States Court for the District of Arizona, XXXX, the courts ruled that reporting a collection account on a credit report is considered collection activity.","date_sent_to_company":"2017-06-16T07:12:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"91401","tags":null,"has_narrative":true,"complaint_id":"2533034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Consultants of California","date_received":"2017-06-16T07:02:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["HIPAA and Californias Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effectiveXX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation."],"sub_product":["Medical debt"]},"sort":[26.741564,"2533034"]},{"_index":"complaint-public-v1","_id":"4387624","_score":25.859766,"_source":{"product":"Debt collection","complaint_what_happened":"I am a victim of identity theft. The tradeline, which appears on my credit report from RADIUS GLOBAL SOLUTION last reported XX/XX/XXXX in the amount of {$75.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both RADIUS GLOBAL SOLUTION individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the XXXX Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX.are in effect in this situation. \nThe Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( \" PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.\n\nPHI encompasses substantially all \" individually identifiable health information '' that is transmitted or maintained in any medium. \" Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care.\n\nRADIUS GLOBAL SOLUTION, is not in compliance with HIPAA, or Arizonas Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX XXXX and XXXX is a clear violation of Public Law 104-191 ( \" HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose.\n\nYou are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.\n\nPlease respond, in writing within 10 days that you are processing this request.\n\nI am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.","date_sent_to_company":"2021-05-18T22:58:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"4387624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2021-05-18T22:46:02.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have contacted both RADIUS GLOBAL SOLUTION individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the XXXX Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX.are in effect in this situation."],"sub_product":["Medical debt"]},"sort":[25.859766,"4387624"]},{"_index":"complaint-public-v1","_id":"4387216","_score":25.859766,"_source":{"product":"Debt collection","complaint_what_happened":"I am a victim of identity theft. The tradeline, which appears on my credit report from KLS FINANCIAL SERVICES last reported XX/XX/XXXX in the amount of {$140.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both KLS FINANCIAL SERVICES individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX, XXXX.are in effect in this situation. \nThe Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( \" PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.\n\nPHI encompasses substantially all \" individually identifiable health information '' that is transmitted or maintained in any medium. \" Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. \n\nKLS FINANCIAL SERVICES, is not in compliance with HIPAA, or Arizonas Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( \" HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose.\n\nYou are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.\n\nPlease respond, in writing within 10 days that you are processing this request.\n\nI am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.","date_sent_to_company":"2021-05-18T22:43:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"4387216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KLS Financial Services, Inc","date_received":"2021-05-18T22:36:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have contacted both KLS FINANCIAL SERVICES individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX, XXXX.are in effect in this situation."],"sub_product":["Medical debt"]},"sort":[25.859766,"4387216"]},{"_index":"complaint-public-v1","_id":"8761686","_score":10.299589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. \nUCC 1-308 without prejudice Please remove these accounts immediately.\n\nI Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I would like for XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY CREDIT REPOT I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. XXXX XXXX XXXX is my correct name this is a violation. CLOSE WITH MONETARY RELIEF. \nPlease remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. \n( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ).\n\n( 3 ) The finance charge, not itemized, using that term.\n\n( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}.\n\n( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments.\n\n( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respondents, XXXX Arizona mothers whose children are eligible for state child support services under Title XXXX -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here, respondents have not identified with particularity the rights they claim, and the Ninth Circuit has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with Title IV-D in all respects. The statutory \" substantial compliance '' requirement, see, e. g., 42 U. S. C. 609 ( a ) ( 8 ) ( 1994 ed., Supp. II ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.\n\n( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.\n\n( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.\n\n( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.\n\n( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.\n\n15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. \nTo who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization .\n\nPlease provide breakdown of fees including any collection costs and medical charges.\n\nProvide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. \nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. \nThis includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. \nIf your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. \nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n( 2 ) Terrorism offense.\n\nWhoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.","date_sent_to_company":"2024-04-12T21:46:08.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"8761686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-12T20:16:50.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party."]},"sort":[10.299589,"8761686"]},{"_index":"complaint-public-v1","_id":"10717011","_score":10.105743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OUR COMPLAINT\nI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States of\nAmerican I XXXX, have look at my credit report and see that there are\ninaccurate reports on my account child support dont not report to credit reporters and by\nlawful cancellation all contracts and remove theses accounts off my credit profile I will like a\ncontract to show that me a living soul that me and them the other party showed in contact\nwhere we both agreed upon on all disclosure must be showed its a invalid contract please\nremove from my credit report it have hinder me from my future benefits. UCC 1-308 without\nprejudice Please remove these accounts immediately. I Recently viewed my credit report\nand saw that there is incorrect information on my credit report. In accordance with the Fair\nCredit Reporting act. These accounts is inaccurate and dont have no contract with me or\ndid not notify me or put me on notice that was going to report these accounts on my credit\nreport. I have the rights to private I will love equity for all the inaccurate accounts on my\ncredit report.The List of accounts below has violated my federally protected consumer rights\nto privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND\nADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU\nPLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT\nIMMEDIATELY. : I have tried time after times delete this\noff my credit report immediately this is not acting in good Faith by law to delete this account immediately yes deleted this account IMMEDIATELY . (XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union have removed and deleted this child support. I would this is my XXXX time contacting \nXXXX to deleted it and they put it back in my credit report its a VIOLATION by law thats\nillegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX XXXX XXXX XXXX, has\nviolated my rights. 15 U.S.C 6802 (B) The consumer is given the opportunity, before the time\nthat such information is initially disclosed, to direct that such information not be disclosed to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX such XXXX party; and (C)the consumer is given an explanation of how the consumer can\nexercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to\nprivacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency\ncannot furnish an account without my written instructions. 15 U.S.C 1681c. (a)(5) Section\nStates: no consumer reporting agency may make any consumer report containing any of the\nfollowing items of information Any other adverse item of information, other than records of\nconvictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681\nsection 623 If a consumer notifies a furnisher, at an address specified by the furnisher for\nsuch notices, that specific information is inaccurate, and the information is, in fact,\ninaccurate, the furnisher must thereafter report the correct information to CRAs. Section\n623(a)(1)(B). 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a\nconsumer to any consumer reporting agency if the person knows or has reasonable cause\nto believe that the information is inaccurate. Also the credit bureaus failed to do a complete\na full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING\nAND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I\ndont not want the reporting any thing for me on my credit account I am a living man I can\nconduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a\nviolation. I want this these account CLOSE\n WITH MONETARY RELIEF. They had fail to mail or\nemail me a FRA Letter explaining my rights and show me proof of my wet signature.. Please\nremove ALL HARD INQUIRIES I DUD NOT RECEIVED ANY THING FOR TRANSACTION \n\nTN XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [TRANSUNION PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT XXXX XXXX XXXX XXXX XXXX have VIOLATED MY RIGHTS I WIL LIKE XXXX dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 US\n\n15 U.S. Code 1681i\n- Procedure in case of disputed accuracy (5) Treatment of inaccurate or unverifiable\ninformation (A) In general If, after any reinvestigation under paragraph (1) of any information\ndisputed by a consumer, an item of the information is found to be inaccurate or incomplete\nor cannot be verified, the consumer reporting agency shall (i) promptly delete that item of\ninformation from the file of the consumer, or modify that item of information, as appropriate,\nbased on the results of the reinvestigation; and (ii) promptly notify the furnisher of that\ninformation that the information has been modified or deleted from the file of the\nconsumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person\nwho knowingly and willfully obtains information on a consumer from a consumer reporting\nagency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX\nyears, or both. 15 U.S. Code 1666b - Timing of payments (a) Time to make payments A\ncreditor may not treat a payment on a credit card account under an open end consumer\ncredit plan as late for any purpose, unless the creditor has adopted reasonable procedures\ndesigned to ensure that each periodic statement including the information required by\nsection 1637(b) of this title is mailed or delivered to the consumer not later than XXXX days\nbefore the payment due date. (b) Grace period If an open end consumer credit plan\nprovides a time period within which an obligor may repay any portion of the credit\nextended without incurring an additional finance charge, such additional finance charge\nmay not be imposed with respect to such portion of the credit extended for the billing cycle\nof which such period is a part, unless a statement which includes the amount upon which\nthe finance charge for the period is based was mailed or delivered to the consumer not\nlater than XXXX days before the date specified in the statement by which payment must be\nmade in order to avoid imposition of that finance charge. 15 U.S. Code 1638 -\nTransactions other than under an open end credit plan a) Required disclosures by creditor\nFor each consumer credit transaction other than under an open end credit plan, the creditor\nshall disclose each of the following items, to the extent applicable: (1) The identity of the\ncreditor required to make disclosure. (2) (A) The amount financed, using that term, which\nshall be the amount of credit of which the consumer has actual use. This amount shall be\ncomputed as follows, but the computations need not be disclosed and shall not be\ndisclosed with the disclosures conspicuously segregated in accordance with subsection (b)\n(1): (i) take the principal amount of the loan or the cash price less downpayment and trade-\nin; (ii) add any charges which are not part of the finance charge or of the principal amount\nof the loan and which are financed by the consumer, including the cost of any items\nexcluded from the finance charge pursuant to section 1605 of this title; and (iii) subtract any\ncharges which are part of the finance charge but which will be paid by the consumer before\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nor at the time of the consummation of the transaction, or have been withheld from the\nproceeds of the credit. (B) In conjunction with the disclosure of the amount financed, a\ncreditor shall provide a statement of the consumers right to obtain, upon a written request,\na written itemization of the amount financed. The statement shall include spaces for a yes\nand no indication to be initialed by the consumer to indicate whether the consumer wants\na written itemization of the amount financed. Upon receiving an affirmative indication, the\ncreditor shall provide, at the time other disclosures are required to be furnished, a written\nitemization of the amount financed. For the purposes of this subparagraph, itemization of\nthe amount financed means a disclosure of the following items, to the extent applicable: (i)\nthe amount that is or will be paid directly to the consumer; (ii) the amount that is or will be\ncredited to the consumers account to discharge obligations owed to the creditor; (iii) each\namount that is or will be paid to third persons by the creditor on the consumers behalf,\ntogether with an identification of or reference to the third person; and (iv) the total amount\nof any charges described in the preceding subparagraph (A)(iii). XXXX The finance charge,\nnot itemized, using that term. XXXX The finance charge expressed as an annual percentage\nrate, using that term. This shall not be required if the amount financed does not exceed $XXXX and the finance charge does not exceed XXXX, or if the amount financed exceeds $XXXX and the\nfinance charge does not exceed XXXXXXXX XXXX) The sum of the amount financed and the finance\ncharge, which shall be termed the total of payments. XXXX) The number, amount, and due\ndates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX, 520 U.S. 329 (1997) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES COURT\nOF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XXXX XXXX XXXX-Decided XXXX XXXX XXXX Respondents, five Arizona mothers whose children are eligible for state child\nsupport services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit\nagainst petitioner, the director of the state child support agency, claiming, among other\nthings, that they properly applied for child support services; that, despite their good faith\nefforts to cooperate, the agency never took adequate steps to obtain child support\npayments for them; that these omissions were largely attributable to staff shortages and\nother structural defects in the State's program; and that these systemic failures violated their\nindividual rights under Title XXXX to have all mandated services delivered in substantial\ncompliance with the title and its implementing regulations. They requested broad relief,\nincluding a declaratory judgment that the Arizona program's operation violates TitlXXXX XXXX XXXX\nprovisions creating rights in them that are enforceable through a 1983 action, and an\ninjunction requiring the director to achieve substantial compliance with Title IV-D\nthroughout all programmatic operations. The District Court granted summary judgment for\npetitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous\nprovisions of the complex XXXX XXXX program or the many rights those provisions might\nhave created, the latter court held that respondents had an enforceable individual right to\nhave the State achieve \"substantial compliance\" with XXXX XXXX. It also disagreed with the\nDistrict Court's conclusion that Congress had foreclosed private XXXX XXXX enforcement\nactions by authorizing the Secretary of Health and Human Services (Secretary) to audit and\ncut off funds to States whose programs do not substantially comply with XXXX XXXX\nrequirements Held: XXXX XXXX does not give individuals a federal right to force a state\nagency to substantially comply with XXXX XXXX XXXX (a) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 493 U. S. 103, 106. XXXX principal factors determine whether a\nstatutory provision creates a privately enforceable right: XXXX whether the plaintiff is an\nintended beneficiary of the statute; (XXXX whether the plaintiff's asserted interests are not so\nvague and amor- XXXX Syllabus phous as to be beyond the competence of the judiciary to\nenforce; and (3) whether the statute imposes a binding obligation on the State. SeeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 496 U. S. 498, 509. Even if a plaintiff demonstrates such a\nright, however, there is only a rebuttable presumption that it is enforceable under XXXX.\nDismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX,\n468 U. S. 992, 1005, XXXX XXXX XXXX, either expressly, by forbidding recourse to XXXX in the\nstatute itself, or impliedly, by creating a comprehensive enforcement scheme that is\nincompatible with individual XXXX enforcement, XXXX XXXX XXXX, 512 U. S. 107, 133. XXXX XXXX (b) Respondents have not established that XXXX XXXX gives them individually\nenforceable federal rights. In prior cases, the Court has been able to determine whether or\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nnot a statute created such rights because the plaintiffs articulated, and lower courts\nevaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 479 U. S. 418, 430. Here, respondents have not identified with particularity the\nrights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry.\nThat court erred in apparently holding that individuals have an enforceable right to\n\"substantial compliance\" with XXXX XXXX in all respects. The statutory \"substantial\ncompliance\" requirement, see, e. g., 42 U. S. C. 609(a)(8) (1994 ed., Supp. II), does not give\nrise to individual rights; it was not intended to benefit individual children and custodial\nparents, but is simply a yardstick for the Secretary to measure the systemwide performance\nof a State's XXXX XXXX program, allowing her to increase the frequency of audits and reduce\nthe State's federal grant upon a finding of substantial noncompliance. The Court of Appeals\nalso erred in taking a blanket approach to determining whether XXXX XXXX creates rights: It is\nreadily apparent that many of the provisions of that multifaceted statutory scheme,\nincluding its \"substantial compliance\" standard and data processing, staffing, and\norganizational requirements, do not fit any of the traditional criteria for identifying statutory\nrights. Although this Court does not foreclose the possibility that some XXXX XXXX provisions\ngive rise to individual rights, the XXXX XXXX did not separate out the particular rights it\nbelieved arise from the statutory scheme, the complaint is less than clear in this regard, and\nit is not certain whether respondents sought any relief more specific than a declaration that\ntheir \"rights\" were being violated and an injunction forcing petitioner to \"substantially\ncomply\" with all of XXXX XXXX provisions. This defect is best addressed by sending the case\nback for the District Court to construe the complaint in the XXXX instance, in order to\ndetermine exactly what rights, considered in their most concrete, specific form, respondents\nare asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for\ndeprivation of rights Every person who, under color of any statute, ordinance, regulation,\ncustom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to\nbe subjected, any citizen of the United States or other person within the jurisdiction thereof\nto the deprivation of any rights, privileges, or immunities secured by the Constitution and\nlaws, shall be liable to the party injured in an action at law, suit in equity, or other proper\nproceeding for redress, except that in any action brought against a judicial officer for an act\nor omission taken in such officers judicial capacity, injunctive relief shall not be granted\nunless a declaratory decree was violated or declaratory relief was unavailable. For the\npurposes of this section, any Act of Congress applicable exclusively to the District of\nColumbia shall be considered to be a statute of the District of Columbia. Credit card Code\n15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided\nby this section, any debt collector who fails to comply with any provision of this subchapter\nwith respect to any person is liable to such person in an amount equal to the sum of (1) any\nactual damage sustained by such person as a result of such failure; (2) (A) in the case of any\naction by an individual, such additional damages as the court may allow, but not exceeding\n$XXXX; or (B) in the case of a class action, (i) such amount for each named plaintiff as could\nbe recovered under subparagraph (A), and (ii) such amount as the court may allow for all\nother class members, without regard to a minimum individual recovery, not to exceed the\nlesser of $XXXX or XXXX per centum of the net worth of the debt collector; and (3) in the case\nof any successful action to enforce the foregoing liability, the costs of the action, together\nwith a reasonable attorneys fee as determined by the court. On a finding by the court that\nan action under this section was brought in bad faith and for the purpose of harassment, the\ncourt may award to the defendant attorneys fees reasonable in relation to the work\nexpended and costs. (b) Factors considered by court In determining the amount of liability\nin any action under subsection (a), the court shall consider, among other relevant factors\n(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of\nnoncompliance by the debt collector, the nature of such noncompliance, and the extent to\nwhich such noncompliance was intentional; or (2) in any class action under subsection (a)(2)\n(B), the frequency and persistence of noncompliance by the debt collector, the nature of\nsuch noncompliance, the resources of the debt collector, the number of persons adversely\naffected, and the extent to which the debt collectors noncompliance was intentional. (c)\nIntent A debt collector may not be held liable in any action brought under this subchapter if\nthe debt collector shows by a preponderance of evidence that the violation was not\nintentional and resulted from a bona fide error notwithstanding the maintenance of\nprocedures reasonably adapted to avoid any such error. (d) Jurisdiction An action to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nenforce any liability created by this subchapter may be brought in any appropriate United\nStates district court without regard to the amount in controversy, or in any other court of\ncompetent jurisdiction, within one year from the date on which the violation occurs. (e)\nAdvisory opinions of Bureau No provision of this section imposing any liability shall apply to\nany act done or omitted in good faith in conformity with any advisory opinion of the Bureau,\nnotwithstanding that after such act or omission has occurred, such opinion is amended,\nrescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S.\nCode 1642 - Issuance of credit cards No credit card shall be issued except in response to\na request or application therefor. This prohibition does not apply to the issuance of a credit\ncard in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation\nof debts (a) Notice of debt; contents Within XXXX days after the initial communication with a\nconsumer in connection with the collection of any debt, a debt collector shall, unless the\nfollowing information is contained in the initial communication or the consumer has paid\nthe debt, send the consumer a written notice containing (1) the amount of the debt; (2) the\nname of the creditor to whom the debt is owed; (3) a statement that unless the consumer,\nwithin thirty days after receipt of the notice, disputes the validity of the debt, or any portion\nthereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the\nconsumer notifies the debt collector in writing within the thirty-day period that the debt, or\nany portion thereof, is disputed, the debt collector will obtain verification of the debt or a\ncopy of a judgment against the consumer and a copy of such verification or judgment will\nbe mailed to the consumer by the debt collector; and (5) a statement that, upon the\nconsumers written request within the thirty-day period, the debt collector will provide the\nconsumer with the name and address of the original creditor, if different from the current\ncreditor. (b) Disputed debts If the consumer notifies the debt collector in writing within the\nthirty-day period described in subsection (a) that the debt, or any portion thereof, is\ndisputed, or that the consumer requests the name and address of the original creditor, the\ndebt collector shall cease collection of the debt, or any disputed portion thereof, until the\ndebt collector obtains verification of the debt or a copy of a judgment, or the name and\naddress of the original creditor, and a copy of such verification or judgment, or name and\naddress of the original creditor, is mailed to the consumer by the debt collector. Collection\nactivities and communications that do not otherwise violate this subchapter may continue\nduring the XXXX-day period referred to in subsection (a) unless the consumer has notified the\ndebt collector in writing that the debt, or any portion of the debt, is disputed or that the\nconsumer requests the name and address of the original creditor. Any collection activities\nand communication during the XXXX-day period may not overshadow or be inconsistent with\nthe disclosure of the consumers right to dispute the debt or request the name and address\nof the original creditor. (c) Admission of liability The failure of a consumer to dispute the\nvalidity of a debt under this section may not be construed by any court as an admission of\nliability by the consumer. (d) Legal pleadings A communication in the form of a formal\npleading in a civil action shall not be treated as an initial communication for purposes of\nsubsection (a). (e) Notice provisions The sending or delivery of any form or notice which\ndoes not relate to the collection of a debt and is expressly required by XXXX XXXX, title V of\nGramm-Leach-Bliley Act [15 U.S.C. 6801 et seq.], or any provision of Federal or State law\nrelating to notice of data security breach or privacy, or any regulation prescribed under any\nsuch provision of law, shall not be treated as an initial communication in connection with\ndebt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information\nunder false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully\nobtains information on a consumer from a consumer reporting agency under false\npretenses shall be fined under XXXX XXXX imprisoned for not more than XXXX years, or both. To\nwho it may concern , After viewing a copy of my credit report, I noticed a collection account\nplaced on my credit report from you in XXXX I am requesting that you allow me to validate\nthe alleged debt. I am unaware of any outstanding medical bills that I possess, and I am\nseeking the name and hospital/medical provider to which I owe the debt and a detailed\nbreakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance\nPortability and Accountability Act (HIPAA] to protect my privacy and medical records from\nthird parties. I did not give permission to any of my current or prior medical providers to\nrelease any of my medical information to a third party. I am aware that the HIPAA does\nallows the release of limited information about me but anything more is to only be revealed\nwith the patient's authorization. Therefore, my request is twofold-validation of debt and\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX HIPAA authorization. Please provide breakdown of fees including any collection costs and\nmedical charges. Provide a copy of my signature with the provider of service to release my\nmedical information to you.Cease any credit bureau reporting until the debt has been\nvalidated by me, Please send this information to my address listed above and accept this\nletter, sent certified mail, as my formal debt validation request, which I am allowed under the\nFDCPA. Please note that withholding the information you received from any medical\nprovider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you\nwill be deceiving me after my written request. I request full documentation of what you\nreceived from the provider of service in connection with this alleged debt. Additionally, any\nreporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of\nthe Fair Credit Reporting Act, which can allow me to seek damages from a collection\nagency. I will await your reply with above requested proof. Upon receiving it, I will\ncorrespond back by certified mail.\nI reserved all my rights to amend this Contract the Finance Manager Requested that I give it to the Dealership I have advised the Seller told the buyer that I XXXX XXXX XXXX Private Individual Banker is a Beneficiary Of my trust and this is a Purchase for my trust XXXX XXXX XXXX XXXX XXXX XXXX request that they will accept my TENDER OF PAYMENT for settlement of this account to be (balance to .00) on the books and to file IRS FORMS 1099s to properly balance the United States Treasury Debt I have signed this contract and I have not give my rights to amended this contract on Date:XXXX signed by the Beneficiary XXXX XXXX Private Individual Banker ESTATE /TRUST Exempt Form Levy I reserve all my rights WITHOUT RECOURSE UCC1-308 I will be using my credit for this transaction and not paying in cash and I have send my letter to the Finance Manager by email he requested they I send a tender of payment to retrieve my property I need to have cash or a check and which he have received and told me to send it to bank and it been over XXXX and I have the right to receive my property and use my credit for this transaction and dont have to use cash or and any other payment of XXXX XXXX XXXX XXXX We the people have the right to use credit or a tender of payment and if its not accepted by the party or Leander or vendor it is discharged by law all debt is obligation to the United States. Your company didnt disclose any truth in lending or cannot show me where I can send it to panties with cash, and I was trying to pay with my internal credit and not actual funds this is my GOD Giving rights and by law show me where it stated in law where I cant use my credit for this transaction or cant use negotiable instruments. I do not consent to your contract for FCRAAs a federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal 15 USC 1602. And I would like conversation for all the violations.\n16 CFR 313.1 - Purpose and scope. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX Purpose and scope.\n(a) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph (b) of this section. This part: \n(1) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices; \n(2) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties; and \n(3) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX XXXX, and 313.15. \n(b) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission(Commission) has rulemaking authority pursuant to section 504(a)(1)(C) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4(k) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843(k), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519(b) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.\n[65 FR 33677, XXXX XXXX XXXX as amended at 86 FR 70025, XXXX XXXX XXXX\n16 CFR 433.2 - Preservation of consumers' claims and defenses, unfair or deceptive acts or practices. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX Preservation of consumers' claims and defenses, unfair or deceptive acts or practices.\nIn connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section XXXX of that Act for a seller, directly or indirectly, to:\n(a) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\nor,\n(b) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan (as purchase money loan is defined herein), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR","date_sent_to_company":"2024-11-06T18:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10717011","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-06T17:25:23.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am unaware of any outstanding medical bills that I possess, and I am\nseeking the name and hospital/medical provider to which I owe the debt and a detailed\nbreakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance\nPortability and Accountability Act (HIPAA] to protect my privacy and medical records from\nthird parties. I did not give permission to any of my current or prior medical providers to\nrelease any of my medical information to a third party."]},"sort":[10.105743,"10717011"]},{"_index":"complaint-public-v1","_id":"9535823","_score":9.838113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX : XXXX ) XXXX XXXX : XXXX, XXXX and XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX : XXXX, ( XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC XXXX SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers XXXX children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. ( a ) A plaintiff seeking 1983 redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX Virginia XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2023 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. \n\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:18:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9535823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-18T00:52:15.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party."]},"sort":[9.838113,"9535823"]},{"_index":"complaint-public-v1","_id":"9536024","_score":9.793778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and Equifax to delete this account immediately yes XXXX have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax and XXXX XXXX have removed and deleted this child support. I would like for XXXX and Equifax have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. Blessing v. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. XXXX. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the XXXX XXXX Code XXXX - Civil action for deprivation of rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial XXXX for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9536024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-18T01:19:10.000Z","state":"NE","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. 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