{"took":239,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":31,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2666787","_score":17.58492,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \nThey have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for \" trial periods '' of their ID protection services. \nThey are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. \nI this rectified by improving their security features, by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable \" judgment '' of who to contact.","date_sent_to_company":"2017-09-09T06:22:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94804","tags":null,"has_narrative":true,"complaint_id":"2666787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T02:16:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax mishandled my personal information <em>including</em> Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \nThey have put myself and millions of others at risk of <em>identity</em> <em>theft</em>/fraud due to negligent security protocols in handling consumer information."]},"sort":[17.58492,"2666787"]},{"_index":"complaint-public-v1","_id":"9842000","_score":15.312448,"_source":{"product":"Credit card","complaint_what_happened":"Unlawful Denial Of Credit And Securities Peace & Love To All Who Read This! \n\nI applied for a card and got denied. Regardless of the reason for being denied I have a right to credit. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. \n\nAccording to your prospectus ( See Trust Assets below ), I know that you've turned the application into a security in which you're now selling and making money until it matures. You're also selling my previous applications, contracts, and account info. \n\nTrust Assets- The Trust Portfolio The primary assets of the trust are receivables in designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. \n\nYou've sold all rights, titles, and interest of the receivables to American Express XXXX XXXX XXXX XXXX relinquishing beneficial ownership of the original owner. You're being paid! Not only that, but you also got the original issue discount ( XXXX ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! \n\nYou are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws. \n\n\nKeep It Simple And Do The Right Thing. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-03T18:49:07.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"9842000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-08-18T07:14:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Thats <em>identity</em> <em>theft</em>. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money."]},"sort":[15.312448,"9842000"]},{"_index":"complaint-public-v1","_id":"9120635","_score":15.245106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After receiving my report from CIC i called and told them that it was reporting wrong due to fraud, they then told me i have to get it all shut down myself, but they are reporting with out my permission and i did not give Contemporary Information Corp. ( CIC ) to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX Apartments consent to share my stolen information, a guy off XXXX i got into a argument with copyrighted my birth right name and stuff went crazy on my credit report again and i been fighting identity theft for so long now. This disclosure violates the XXXX XXXX XXXX ( 15 U.S.C. 6802 ( b ) ) and may also constitute a criminal offense under 18 U.S.C. 1028 ( c ) regarding fraud and related activity in connection with identification documents, authentication features, and information. \n\nCIC actions also violate Violation of 15 U.S.C. 6802 ( b ) Under 15 U.S.C. 6802 ( b ), financial institutions, including consumer reporting agencies like CIC, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices. Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. \nI have reviewed my records and have not received any notice from CIC regarding the disclosure of my information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. Moreover, I was not provided with an opportunity to opt-out of these disclosures. This lack of notice and opt-out opportunity constitutes a clear violation of the statutory protections afforded to me under the XXXX XXXX. \n\nFinally C.I.C. actions also is a Violation of 18 U.S.C. 1028 ( c ) Further, the unauthorized disclosure and potential misuse of my personal information may fall under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent could constitute a violation under this statute.","date_sent_to_company":"2024-05-28T05:52:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30296","tags":null,"has_narrative":true,"complaint_id":"9120635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Contemporary Information Corp","date_received":"2024-05-28T04:59:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>theft</em> for so long now."]},"sort":[15.245106,"9120635"]},{"_index":"complaint-public-v1","_id":"2672927","_score":14.940187,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I \" may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.\nBased on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. \n\nEquifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. \n\nThe best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).","date_sent_to_company":"2017-09-13T23:31:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10461","tags":null,"has_narrative":true,"complaint_id":"2672927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T22:56:29.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Based on the estimated number of customers impacted, <em>including</em> 8 million NY customers, it is highly likely most or all Americans with credit reports, <em>including</em> myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked <em>identity</em> being used for <em>theft</em> or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system."]},"sort":[14.940187,"2672927"]},{"_index":"complaint-public-v1","_id":"10710239","_score":14.805713,"_source":{"product":"Debt collection","complaint_what_happened":"Reselling or returning a fraudulent debt related to identity theft to another collector or the original creditor is legally restricted under federal laws, and such actions can potentially be prosecuted or penalized if they lead to continued harassment, misrepresentation, or violation of consumer rights. Heres an outline of relevant statutes and potential criminal implications : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False or Misleading Representations : The FDCPA prohibits debt collectors from using false, deceptive, or misleading representations in connection with debt collection. If a collector knowingly resells or returns a fraudulent debt, it could be seen as a deceptive practice, especially if they have been informed that the debt is fraudulent or connected to identity theft. \n\nUnder this section, debt collectors who misrepresent the legitimacy of a debt by reselling it could face penalties, as this perpetuates fraudulent collection activities.\n\n15 U.S.C. 1692d Harassment or Abuse : Continuing to pursue or facilitate the collection of a fraudulent debt, even by reselling it, may be considered harassment, especially if the collector or creditor is aware of the identity theft claim. Reassigning the debt to keep collection activities going could violate this provision if it leads to harassment or repeated contact for a debt thats not owed. \n\n15 U.S.C. 1692k Civil Liability : Under the FDCPA, a consumer can sue for damages if a debt collectors actions result in harm. If a fraudulent debt is resold and continues to cause harm, the consumer may be entitled to statutory, actual, and potentially punitive damages. \n\n2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : The FCRA mandates that creditors and debt collectors who furnish information to credit bureaus have a duty to report accurate information. If they knowingly sell or transfer a fraudulent debt related to identity theft, they violate FCRA by perpetuating inaccurate reporting, potentially exposing themselves to civil liability. \n\nIf a consumer disputes a debt as fraudulent, the collector or creditor must investigate before continuing to report or transfer it. Ignoring this duty by reselling a disputed debt could be seen as a violation of the FCRA. \n\n3. Identity Theft Laws 18 U.S.C. 1028 Fraud and Related Activity in Connection with Identification Documents, Authentication Features, and Information : Although primarily focused on direct identity theft and fraud, if a debt collector knowingly transfers a fraudulent debt tied to identity theft, this statute could apply. Misusing or misrepresenting someones identity to collect a debt that is not theirs could fall under this statute, particularly if it leads to financial harm or harassment. \n\n18 U.S.C. 1029 Fraud and Related Activity in Connection with Access Devices : If debt collectors or creditors manipulate personal data linked to fraudulent accounts, this could fall under fraud-related statutes, especially if they are found to knowingly participate in or facilitate identity theft activities. \n\n4. State Laws and Potential Criminal Charges State Consumer Protection Laws : Many states, including Nebraska, have consumer protection laws that prohibit unfair or deceptive trade practices, which could cover the sale or transfer of fraudulent debts. Nebraskas Consumer Protection Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) could apply, potentially allowing for penalties and fines if debt collectors engage in unfair practices with known fraudulent debts. \n\nData Breach and Fraud Laws : Some states also impose criminal or civil penalties on businesses that fail to safeguard personal information. Reselling a debt after it has been identified as fraudulent might be considered a failure to protect consumer data, subjecting the collector or creditor to penalties under data privacy laws. \n\nXXXX. It a Crime Potential Criminal Liability : While the FDCPA and FCRA primarily provide for civil penalties, certain actions by debt collectors, such as knowingly reselling or transferring a fraudulent debt, could cross into criminal territory if they involve intentional deception, fraud, or misuse of personal information. \n\nCriminal Fraud and Identity Theft : If a debt collector knowingly and intentionally facilitates identity theft by reassigning or selling fraudulent debt, they could face criminal fraud charges under both state and federal laws, particularly if their actions are deemed intentional and result in financial harm to the victim.","date_sent_to_company":"2024-11-07T17:48:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"690XX","tags":null,"has_narrative":true,"complaint_id":"10710239","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-11-07T17:35:32.000Z","state":"NE","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Identity</em> <em>Theft</em> Laws 18 U.S.C. 1028 Fraud and Related Activity in Connection with Identification Documents, Authentication <em>Features</em>, and Information : Although primarily focused on direct <em>identity</em> <em>theft</em> and fraud, if a debt collector knowingly transfers a fraudulent debt tied to <em>identity</em> <em>theft</em>, this statute could apply."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[14.805713,"10710239"]},{"_index":"complaint-public-v1","_id":"14464156","_score":14.441867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Personalization ( preview ) Conversation with XXXX Write a compelling letter regarding the hardships being a single lady weighed down by a judgement that doesn't belong to her and all the laws that they violate by continuing to publish deragatoryninfondue to ID theft and all the laws the regulate me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Urgent Appeal : Injustice Due to Identity Theft and Defamation To Whom It May Concern, I am writing to you as a single woman facing severe hardship due to a judgment that is not mine and the continued publication of damaging and unfounded information stemming from identity theft. This ongoing injustice has not only caused me immense emotional distress but has also significantly impacted my life, violating numerous legal protections in the process. \n\nI am a victim of identity theft, a crime that has had devastating consequences. An erroneous judgment, incurred by someone impersonating me, is being held against my name. Despite my efforts to provide proof of this fraudulent activity, including [ mention any specific documentation or reports filed, e.g., police reports, FTC affidavit ], this incorrect judgment continues to haunt me. \n\nThe harm extends beyond the judgment itself. Due to this identity theft, false and defamatory information is being published, causing significant damage to my reputation and hindering my ability to secure housing, employment, and even basic financial services. As a single woman, I am solely responsible for my well-being, and this situation has created an unbearable burden, pushing me to the brink of despair. \n\nThe continued publication of this derogatory information, which is a direct result of identity theft, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of identity theft victims, including the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the theft. Furthermore, the dissemination of false information known to be the result of identity theft may violate defamation laws, as it causes harm to my reputation and well-being.\n\nThe emotional toll of this ordeal can not be overstated. I experience constant anxiety, sleepless nights, and a profound sense of helplessness. As the Georgia Attorney General 's Consumer Protection Division notes, identity theft can trigger feelings of loss, anger, isolation, and fear, akin to the trauma experienced by victims of violent crimes. This has significantly impacted my mental and emotional health, further compounding the financial difficulties I face. \n\nI implore you to recognize the severity of my situation and the clear violations of the laws designed to protect individuals like myself from the devastating consequences of identity theft. The continued publication of this false information and the enforcement of a judgment that is not mine are not only unjust but also illegal. \n\nI demand a thorough investigation into this matter and the immediate cessation of the publication of any defamatory information related to this fraudulent judgment. I also request assistance in rectifying my records and ensuring that I am no longer held responsible for the financial obligations and reputational damage caused by this identity theft. \n\nI am seeking justice and the opportunity to rebuild my life free from this unwarranted burden. I hope that you will take immediate action to address this egregious injustice and uphold the laws that are meant to protect innocent victims like me. \n\nSincerely, [ Your Name ] [ Your Contact Information ] XXXX XXXX, CA, XXXX Lots more law and facts less drama Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of [ mention specific state and federal laws defining identity theft, e.g., 18 U.S.C. 1028 ( federal identity theft statute ) and relevant state laws ]. Despite providing evidence of this fraudulent activity, including [ cite specific evidence such as the date of filing a police report with case number XXXX, submission of an FTC Identity Theft Report dated XXXX, and any communication with credit reporting agencies disputing the debt on XXXX ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation. The elements of defamation include : ( 1 ) a false statement of fact [ the judgment against me is factually incorrect as it arose from identity theft ] ; ( 2 ) publication to a third party [ the information is being disseminated through [ mention channels, e.g., credit reports, online databases ] ] ; ( XXXX ) harm to my reputation [ as evidenced by [ mention specific impacts, e.g., denial of housing on date, refusal of credit application on date ] ] ; and ( 4 ) the publisher acted with at least negligence in publishing the falsehood [ given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a disregard for the accuracy of the information ]. This may violate state-specific defamation laws.\n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681c-2 specifically addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I have provided [ specify when and to whom this information was provided, e.g., to [ Credit Reporting Agency Name ] on [ Date ] ]. The continued reporting of this fraudulent judgment is a direct violation of this provision. \n\nAdditionally, my rights as a consumer are further protected under other provisions of the FCRA, requiring accuracy and fair reporting of credit information. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ). \n\nThe financial and practical consequences of this situation are severe. As a single individual, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing, gain suitable employment, and manage my financial affairs responsibly. This is a direct consequence of the negligence and potential legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, in full compliance with the FCRA. \n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice. \n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Make it happen with no placeholders list all laws violated and ines that protect me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a police report ( XXXX XXXX Police Department, [ If you have a report number, include it, otherwise remove this ] ) on [ Date of Police Report ], submission of a Federal Trade Commission ( FTC ) Identity Theft Report on [ Date of FTC Report ], and communication with [ Name of Credit Reporting Agency ] disputing the debt on [ Date of Dispute ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation under California Civil Code 44 ( Libel is false and unprivileged publication by writing ) and California Civil Code 45 ( Libel defined ). The elements of libel are met as the judgment against me is factually incorrect due to identity theft, this false information is being published to third parties through [ mention channels, e.g., credit reports, online databases ], causing harm to my reputation by [ mention specific impacts, e.g., denial of housing on [ Date ], refusal of credit application on [ Date ] ], and given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a lack of due diligence and disregard for the accuracy of the information. \n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, 15 U.S.C. 1681c-2 addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I provided this information to [ Name of Credit Reporting Agency ] on [ Date ]. The continued reporting of this fraudulent judgment is a direct violation of this provision, which is designed to protect victims of identity theft.\n\nAdditionally, my rights as a consumer are further protected under 15 U.S.C. 1681e ( b ) of the FCRA, requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to adhere to these mandated procedures. My rights are further upheld by the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.1 et seq. ), which provides similar protections at the state level, ensuring the accuracy and fairness of credit reporting and offering remedies for inaccuracies resulting from identity theft. \n\nThe financial and practical consequences of this situation are severe. As a single individual residing in XXXX XXXX, California, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing within my community, gain suitable employment opportunities available in this area, and manage my financial affairs responsibly in accordance with California state regulations. This is a direct consequence of the negligence and legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft, in accordance with 15 U.S.C. 1681c-2 of the FCRA and California Civil Code 1785.16. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, ensuring compliance with 15 U.S.C. 1681e ( b ) of the FCRA and the accuracy mandates of the California Consumer Credit Reporting Agencies Act.\n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future, outlining your adherence to federal and California state laws protecting consumers from identity theft and inaccurate credit reporting. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies under federal and California state law to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice, including but not limited to filing a lawsuit for violations of the FCRA, the California Consumer Credit Reporting Agencies Act, and defamation under California Civil Code 44 and 45.\n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Witho Subject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information. \n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a Third report with the FTC on XX/XX/year>, submission of a Federal Trade Commission ( FTC ) Identity Theft Report on XX/XX/year>, and communication with Equifax disputing the debt on XX/XX/year>, the erroneous judgment continues to be reflected on my records.","date_sent_to_company":"2025-07-05T00:48:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"14464156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-05T00:47:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The continued publication of this derogatory information, which is a direct result of <em>identity</em> <em>theft</em>, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of <em>identity</em> <em>theft</em> victims, <em>including</em> the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the <em>theft</em>."]},"sort":[14.441867,"14464156"]},{"_index":"complaint-public-v1","_id":"14464157","_score":14.441461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Personalization ( preview ) Conversation with XXXX Write a compelling letter regarding the hardships being a single lady weighed down by a judgement that doesn't belong to her and all the laws that they violate by continuing to publish deragatoryninfondue to ID theft and all the laws the regulate me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Urgent Appeal : Injustice Due to Identity Theft and Defamation To Whom It May Concern, I am writing to you as a single woman facing severe hardship due to a judgment that is not mine and the continued publication of damaging and unfounded information stemming from identity theft. This ongoing injustice has not only caused me immense emotional distress but has also significantly impacted my life, violating numerous legal protections in the process. \n\nI am a victim of identity theft, a crime that has had devastating consequences. An erroneous judgment, incurred by someone impersonating me, is being held against my name. Despite my efforts to provide proof of this fraudulent activity, including [ mention any specific documentation or reports filed, e.g., police reports, FTC affidavit ], this incorrect judgment continues to haunt me. \n\nThe harm extends beyond the judgment itself. Due to this identity theft, false and defamatory information is being published, causing significant damage to my reputation and hindering my ability to secure housing, employment, and even basic financial services. As a single woman, I am solely responsible for my well-being, and this situation has created an unbearable burden, pushing me to the brink of despair. \n\nThe continued publication of this derogatory information, which is a direct result of identity theft, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of identity theft victims, including the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the theft. Furthermore, the dissemination of false information known to be the result of identity theft may violate defamation laws, as it causes harm to my reputation and well-being.\n\nThe emotional toll of this ordeal can not be overstated. I experience constant anxiety, sleepless nights, and a profound sense of helplessness. As the Georgia Attorney General 's Consumer Protection Division notes, identity theft can trigger feelings of loss, anger, isolation, and fear, akin to the trauma experienced by victims of violent crimes. This has significantly impacted my mental and emotional health, further compounding the financial difficulties I face. \n\nI implore you to recognize the severity of my situation and the clear violations of the laws designed to protect individuals like myself from the devastating consequences of identity theft. The continued publication of this false information and the enforcement of a judgment that is not mine are not only unjust but also illegal. \n\nI demand a thorough investigation into this matter and the immediate cessation of the publication of any defamatory information related to this fraudulent judgment. I also request assistance in rectifying my records and ensuring that I am no longer held responsible for the financial obligations and reputational damage caused by this identity theft. \n\nI am seeking justice and the opportunity to rebuild my life free from this unwarranted burden. I hope that you will take immediate action to address this egregious injustice and uphold the laws that are meant to protect innocent victims like me. \n\nSincerely, [ Your Name ] [ Your Contact Information ] XXXX XXXX, CA, XXXX Lots more law and facts less drama Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of [ mention specific state and federal laws defining identity theft, e.g., 18 U.S.C. 1028 ( federal identity theft statute ) and relevant state laws ]. Despite providing evidence of this fraudulent activity, including [ cite specific evidence such as the date of filing a police report with case number XXXX, submission of an FTC Identity Theft Report dated XXXX, and any communication with credit reporting agencies disputing the debt on XXXX ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation. The elements of defamation include : ( 1 ) a false statement of fact [ the judgment against me is factually incorrect as it arose from identity theft ] ; ( 2 ) publication to a third party [ the information is being disseminated through [ mention channels, e.g., credit reports, online databases ] ] ; ( XXXX ) harm to my reputation [ as evidenced by [ mention specific impacts, e.g., denial of housing on date, refusal of credit application on date ] ] ; and ( 4 ) the publisher acted with at least negligence in publishing the falsehood [ given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a disregard for the accuracy of the information ]. This may violate state-specific defamation laws.\n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681c-2 specifically addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I have provided [ specify when and to whom this information was provided, e.g., to [ Credit Reporting Agency Name ] on [ Date ] ]. The continued reporting of this fraudulent judgment is a direct violation of this provision. \n\nAdditionally, my rights as a consumer are further protected under other provisions of the FCRA, requiring accuracy and fair reporting of credit information. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ). \n\nThe financial and practical consequences of this situation are severe. As a single individual, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing, gain suitable employment, and manage my financial affairs responsibly. This is a direct consequence of the negligence and potential legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, in full compliance with the FCRA. \n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice. \n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Make it happen with no placeholders list all laws violated and ines that protect me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a police report ( XXXX XXXX Police Department, [ If you have a report number, include it, otherwise remove this ] ) on [ Date of Police Report ], submission of a Federal Trade Commission ( FTC ) Identity Theft Report on [ Date of FTC Report ], and communication with [ Name of Credit Reporting Agency ] disputing the debt on [ Date of Dispute ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation under California Civil Code 44 ( Libel is false and unprivileged publication by writing ) and California Civil Code 45 ( Libel defined ). The elements of libel are met as the judgment against me is factually incorrect due to identity theft, this false information is being published to third parties through [ mention channels, e.g., credit reports, online databases ], causing harm to my reputation by [ mention specific impacts, e.g., denial of housing on [ Date ], refusal of credit application on [ Date ] ], and given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a lack of due diligence and disregard for the accuracy of the information. \n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, 15 U.S.C. 1681c-2 addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I provided this information to [ Name of Credit Reporting Agency ] on [ Date ]. The continued reporting of this fraudulent judgment is a direct violation of this provision, which is designed to protect victims of identity theft.\n\nAdditionally, my rights as a consumer are further protected under 15 U.S.C. 1681e ( b ) of the FCRA, requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to adhere to these mandated procedures. My rights are further upheld by the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.1 et seq. ), which provides similar protections at the state level, ensuring the accuracy and fairness of credit reporting and offering remedies for inaccuracies resulting from identity theft. \n\nThe financial and practical consequences of this situation are severe. As a single individual residing in XXXX XXXX, California, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing within my community, gain suitable employment opportunities available in this area, and manage my financial affairs responsibly in accordance with California state regulations. This is a direct consequence of the negligence and legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft, in accordance with 15 U.S.C. 1681c-2 of the FCRA and California Civil Code 1785.16. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, ensuring compliance with 15 U.S.C. 1681e ( b ) of the FCRA and the accuracy mandates of the California Consumer Credit Reporting Agencies Act.\n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future, outlining your adherence to federal and California state laws protecting consumers from identity theft and inaccurate credit reporting. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies under federal and California state law to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice, including but not limited to filing a lawsuit for violations of the FCRA, the California Consumer Credit Reporting Agencies Act, and defamation under California Civil Code 44 and 45.\n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Witho Subject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information. \n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a Third report with the FTC on XX/XX/year>, submission of a Federal Trade Commission ( FTC ) Identity Theft Report on XX/XX/year>, and communication with Equifax disputing the debt on XX/XX/year>, the erroneous judgment continues to be reflected on my records.","date_sent_to_company":"2025-07-05T00:48:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"14464157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-05T00:47:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The continued publication of this derogatory information, which is a direct result of <em>identity</em> <em>theft</em>, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of <em>identity</em> <em>theft</em> victims, <em>including</em> the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the <em>theft</em>."]},"sort":[14.441461,"14464157"]},{"_index":"complaint-public-v1","_id":"14459575","_score":14.441461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Personalization ( preview ) Conversation with XXXX Write a compelling letter regarding the hardships being a single lady weighed down by a judgement that doesn't belong to her and all the laws that they violate by continuing to publish deragatoryninfondue to ID theft and all the laws the regulate me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Urgent Appeal : Injustice Due to Identity Theft and Defamation To Whom It May Concern, I am writing to you as a single woman facing severe hardship due to a judgment that is not mine and the continued publication of damaging and unfounded information stemming from identity theft. This ongoing injustice has not only caused me immense emotional distress but has also significantly impacted my life, violating numerous legal protections in the process. \n\nI am a victim of identity theft, a crime that has had devastating consequences. An erroneous judgment, incurred by someone impersonating me, is being held against my name. Despite my efforts to provide proof of this fraudulent activity, including [ mention any specific documentation or reports filed, e.g., police reports, FTC affidavit ], this incorrect judgment continues to haunt me. \n\nThe harm extends beyond the judgment itself. Due to this identity theft, false and defamatory information is being published, causing significant damage to my reputation and hindering my ability to secure housing, employment, and even basic financial services. As a single woman, I am solely responsible for my well-being, and this situation has created an unbearable burden, pushing me to the brink of despair. \n\nThe continued publication of this derogatory information, which is a direct result of identity theft, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of identity theft victims, including the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the theft. Furthermore, the dissemination of false information known to be the result of identity theft may violate defamation laws, as it causes harm to my reputation and well-being.\n\nThe emotional toll of this ordeal can not be overstated. I experience constant anxiety, sleepless nights, and a profound sense of helplessness. As the Georgia Attorney General 's Consumer Protection Division notes, identity theft can trigger feelings of loss, anger, isolation, and fear, akin to the trauma experienced by victims of violent crimes. This has significantly impacted my mental and emotional health, further compounding the financial difficulties I face. \n\nI implore you to recognize the severity of my situation and the clear violations of the laws designed to protect individuals like myself from the devastating consequences of identity theft. The continued publication of this false information and the enforcement of a judgment that is not mine are not only unjust but also illegal. \n\nI demand a thorough investigation into this matter and the immediate cessation of the publication of any defamatory information related to this fraudulent judgment. I also request assistance in rectifying my records and ensuring that I am no longer held responsible for the financial obligations and reputational damage caused by this identity theft. \n\nI am seeking justice and the opportunity to rebuild my life free from this unwarranted burden. I hope that you will take immediate action to address this egregious injustice and uphold the laws that are meant to protect innocent victims like me. \n\nSincerely, [ Your Name ] [ Your Contact Information ] XXXX XXXX, CA, XXXX Lots more law and facts less drama Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of [ mention specific state and federal laws defining identity theft, e.g., 18 U.S.C. 1028 ( federal identity theft statute ) and relevant state laws ]. Despite providing evidence of this fraudulent activity, including [ cite specific evidence such as the date of filing a police report with case number XXXX, submission of an FTC Identity Theft Report dated XXXX, and any communication with credit reporting agencies disputing the debt on XXXX ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation. The elements of defamation include : ( 1 ) a false statement of fact [ the judgment against me is factually incorrect as it arose from identity theft ] ; ( 2 ) publication to a third party [ the information is being disseminated through [ mention channels, e.g., credit reports, online databases ] ] ; ( XXXX ) harm to my reputation [ as evidenced by [ mention specific impacts, e.g., denial of housing on date, refusal of credit application on date ] ] ; and ( 4 ) the publisher acted with at least negligence in publishing the falsehood [ given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a disregard for the accuracy of the information ]. This may violate state-specific defamation laws.\n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681c-2 specifically addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I have provided [ specify when and to whom this information was provided, e.g., to [ Credit Reporting Agency Name ] on [ Date ] ]. The continued reporting of this fraudulent judgment is a direct violation of this provision. \n\nAdditionally, my rights as a consumer are further protected under other provisions of the FCRA, requiring accuracy and fair reporting of credit information. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S.C. 1681e ( b ) ). \n\nThe financial and practical consequences of this situation are severe. As a single individual, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing, gain suitable employment, and manage my financial affairs responsibly. This is a direct consequence of the negligence and potential legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, in full compliance with the FCRA. \n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice. \n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Make it happen with no placeholders list all laws violated and ines that protect me Show thinking This experimental model uses your Search history. Some features aren't available. \nSubject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information.\n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a police report ( XXXX XXXX Police Department, [ If you have a report number, include it, otherwise remove this ] ) on [ Date of Police Report ], submission of a Federal Trade Commission ( FTC ) Identity Theft Report on [ Date of FTC Report ], and communication with [ Name of Credit Reporting Agency ] disputing the debt on [ Date of Dispute ], the erroneous judgment continues to be reflected on my records. \n\nFurthermore, the continued publication of information related to this fraudulent judgment is causing significant and demonstrable harm to my reputation, thereby constituting defamation under California Civil Code 44 ( Libel is false and unprivileged publication by writing ) and California Civil Code 45 ( Libel defined ). The elements of libel are met as the judgment against me is factually incorrect due to identity theft, this false information is being published to third parties through [ mention channels, e.g., credit reports, online databases ], causing harm to my reputation by [ mention specific impacts, e.g., denial of housing on [ Date ], refusal of credit application on [ Date ] ], and given my attempts to report the identity theft and dispute the judgment, the continued publication demonstrates a lack of due diligence and disregard for the accuracy of the information. \n\nThis situation also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, 15 U.S.C. 1681c-2 addresses the \" Block of information resulting from identity theft. '' This section mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than four business days after receiving : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of the information by the consumer; and ( 4 ) a statement by the consumer that the information does not relate to any transaction made by the consumer. I provided this information to [ Name of Credit Reporting Agency ] on [ Date ]. The continued reporting of this fraudulent judgment is a direct violation of this provision, which is designed to protect victims of identity theft.\n\nAdditionally, my rights as a consumer are further protected under 15 U.S.C. 1681e ( b ) of the FCRA, requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The persistent inclusion of this erroneous judgment despite my documented claims of identity theft indicates a failure to adhere to these mandated procedures. My rights are further upheld by the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.1 et seq. ), which provides similar protections at the state level, ensuring the accuracy and fairness of credit reporting and offering remedies for inaccuracies resulting from identity theft. \n\nThe financial and practical consequences of this situation are severe. As a single individual residing in XXXX XXXX, California, I bear the full weight of these unjust burdens, which impede my ability to secure stable housing within my community, gain suitable employment opportunities available in this area, and manage my financial affairs responsibly in accordance with California state regulations. This is a direct consequence of the negligence and legal violations in the handling and dissemination of information related to this instance of identity theft. \n\nI demand immediate action to : Cease the publication of all information related to the erroneous judgment stemming from identity theft, in accordance with 15 U.S.C. 1681c-2 of the FCRA and California Civil Code 1785.16. \n\nRectify my credit reports and all relevant records to reflect the fraudulent nature of this judgment, ensuring compliance with 15 U.S.C. 1681e ( b ) of the FCRA and the accuracy mandates of the California Consumer Credit Reporting Agencies Act.\n\nProvide a detailed explanation of the steps taken to ensure this situation is resolved permanently and to prevent similar occurrences in the future, outlining your adherence to federal and California state laws protecting consumers from identity theft and inaccurate credit reporting. \n\nFailure to take prompt and appropriate action will leave me with no alternative but to pursue all available legal remedies under federal and California state law to protect my rights and seek compensation for the damages incurred as a result of this ongoing injustice, including but not limited to filing a lawsuit for violations of the FCRA, the California Consumer Credit Reporting Agencies Act, and defamation under California Civil Code 44 and 45.\n\nSincerely, [ Your Name ] [ Your Contact Information ] [ Date ] Witho Subject : Formal Complaint and Demand for Immediate Action Regarding Identity Theft, Erroneous Judgment, and Defamation To Whom It May Concern, This letter serves as a formal complaint and demands immediate action to rectify the severe injustices I am enduring as a result of identity theft, an erroneous judgment against my name, and the subsequent publication of defamatory information. \n\nI am a victim of identity theft, wherein an unauthorized individual fraudulently used my personal information, leading to a judgment that is not legitimately mine. This constitutes a violation of 18 U.S.C. 1028 ( federal Identity Theft statute ) and California Penal Code 530.5 ( California state Identity Theft law ). Despite providing evidence of this fraudulent activity, including the filing of a Third report with the FTC on XX/XX/year>, submission of a Federal Trade Commission ( FTC ) Identity Theft Report on XX/XX/year>, and communication with Equifax disputing the debt on XX/XX/year>, the erroneous judgment continues to be reflected on my records.","date_sent_to_company":"2025-07-05T00:48:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"14459575","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-05T00:22:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The continued publication of this derogatory information, which is a direct result of <em>identity</em> <em>theft</em>, constitutes a clear violation of several laws. The Fair Credit Reporting Act ( FCRA ) outlines the rights of <em>identity</em> <em>theft</em> victims, <em>including</em> the right to have fraudulent information blocked from credit reports and the requirement for businesses to provide transaction records related to the <em>theft</em>."]},"sort":[14.441461,"14459575"]},{"_index":"complaint-public-v1","_id":"18666477","_score":13.049587,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this complaint regarding Googles handling of my Google account, its identity verification practices, and the restriction and removal of my funds. This complaint is safety-based and concerns Googles failure to accommodate my legally protected status, its insistence on collecting the highest-risk form of personal identifying information despite safer lawful alternatives, and its restriction of my funds during this process.\n\nI am a protected individual enrolled in the Texas Address XXXX XXXX  ( ACP ), administered by the Texas Office of the Attorney General, due to serious safety concerns and a documented history of identity theft and XXXX-related harm. I also provided Google with a XXXX XXXX Determination Letter, which places Google on notice of my protected status under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including identity theft and XXXX-related safeguards. Under the FCRA, covered entities are required to implement reasonable procedures to prevent re-victimization, minimize the collection of sensitive personal identifying information, and utilize alternative verification methods when available.\n\nIn addition to the protections triggered under the Fair Credit Reporting Act, my circumstances are governed by well-established federal survivor-confidentiality standards reflected in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), codified at 34 U.S.C. 12291 ( b ) ( 2 ), and the guidance issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). While XXXX  confidentiality provisions apply directly to covered programs, they articulate a clear federal policy principle : when an entity is on notice that an individual is a XXXX  of XXXX  or identity-related harm, personally identifying information must be minimized, safeguarded, and not compelled in ways that increase risk. XXXX guidance reinforces that demanding full Social Security numbers or Social Security card images from XXXX XXXX, when safer verification alternatives exist, constitutes a failure to apply survivor-centered, safety-informed procedures. \nAfter receiving a data breach alert, I proactively changed my passwords and phone number to secure my account. I am not asserting that Google caused the breach. These actions were taken in good faith to protect my personal information.\n\nFollowing these security updates, Google initiated or escalated identity verification and demanded additional information. I cooperated fully and provided extensive documentation, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX enrollment letter XXXX XXXX XXXX XXXX XXXX which contains the program identification number and the official verification pathway through the Texas Office of the Attorney General XXXX My government issued photo identification ( Military ID ) XXXX My XXXX XXXX Determination Letter, which independently places Google on notice of heightened safety and identity-theft protections under the FCRA.\n\nDespite receiving this documentation and being placed on clear notice of my protected status, Google demanded that I provide my full Social Security number and a copy of my Social Security card, not merely the last four digits. This demand is deeply concerning and unsafe given my circumstances.\n\nOnce Google was on notice of my ACP participation and XXXX-related protections under the FCRA, it had a clear, lawful, and lower-risk option to validate my identity by verifying my enrollment through the Texas Office of the Attorney General, which administers the XXXX XXXX XXXX and allows third-party verification for this purpose. Google did not utilize this option. Instead, Google continued to insist on disclosure of my full Social Security number and a Social Security card image, disregarding the heightened safety risks associated with such disclosure and ignoring lawful, safer verification pathways that were explicitly provided.\n\nAfter I sent a formal written notice to Googles executive team explaining my protected status, the documentation I had already provided, and the safety risks involved, Google nonetheless sent an automated email stating, Action needed : Provide more info to verify your identity. This response was sent after Google had already received my XXXX documentation and XXXX XXXX Determination Letter. \n\nAt no point did Google attempt to verify my identity through the Texas Office of the Attorney General. At no point did Google acknowledge my ACP status, my XXXX-related protections under the FCRA, or the federal XXXX-confidentiality standards reflected in XXXX and XXXX guidance XXXX At no point did Google attempt to meet me in the middle or engage in any reasonable accommodation process that prioritized safety.\n\nDuring this verification process, Google restricted access to my funds and reduced my available balance to XXXX. Approximately XXXX dollars in Google account credit and stored value that belonged to me became inaccessible. These funds were generated by me through legitimate transactions and point conversions. \n\nNo fraud determination was made against me. Conditioning access to my own funds on the disclosure of my full Social Security number and Social Security card, after notice of protected status and safety risk, is unreasonable and coercive.\n\nGoogles conduct raises serious consumer protection concerns, including but not limited to : Unfair, deceptive, or abusive acts or practices ( UDAAP ) involving digital account services and stored-value features Failure to implement reasonable procedures to prevent re-victimization after notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Disregard of survivor-confidentiality and safety-first standards articulated in XXXX ( XXXX XXXX XXXX XXXX ( b ) ( XXXX ) ) and reinforced through XXXX guidance Disregard of the purpose and safeguards of thXXXX XXXX XXXX XXXX XXXX, which exists to prevent compelled disclosure of information that creates safety risks Conditioning access to consumer funds on unsafe and disproportionate data collection Failure to reasonably safeguard highly sensitive consumer information after notice of heightened risk This is not a refusal to verify my identity. It is a refusal to expose myself to unnecessary and foreseeable harm when lawful, safer verification methods were clearly available, documented, and provided. \n\nThis complaint concerns a digital wallet and stored-value service where consumer funds were restricted and rendered inaccessible during an identity verification process that disregarded legally protected safety accommodations. \n\nI am requesting that the CFPB review Googles practices in this matter, including its identity verification demands, handling of consumer funds, and failure to accommodate protected consumers. I am also requesting assistance in restoring access to my funds and ensuring that my account can be verified and maintained without requiring disclosure of my full Social Security number or Social Security card.","date_sent_to_company":"2026-01-12T23:20:20.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"18666477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Google Compare Credit Cards Inc.","date_received":"2026-01-12T22:55:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am a protected individual enrolled in the Texas Address XXXX XXXX  ( ACP ), administered by the Texas Office of the Attorney General, due to serious safety concerns and a documented history of <em>identity</em> <em>theft</em> and XXXX-related harm. I also provided Google with a XXXX XXXX Determination Letter, which places Google on notice of my protected status under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), <em>including</em> <em>identity</em> <em>theft</em> and XXXX-related safeguards."]},"sort":[13.049587,"18666477"]},{"_index":"complaint-public-v1","_id":"8319344","_score":12.343582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX ( XXXX XXXXXXXX ) provided, on behalf of the Principal Debtor, JPMORGAN CHASE XXXX XXXX XXXX with an instrument, granting access to the cesti que trust of XXXX XXXX ( Principal Debtor ). As contributing heir, agreeing to pay the credit cards indebtedness by periodic deductions from the Principal Debtors estate thus establishing an open-end credit plan. The Grantor/Principal Debtor issued the instrument to JPMORGAN CHASE FINANCIAL COMPANY LLC , in trust, with the intent of entering a consumer credit transaction. Only to be denied the extension of credit. \n\nEach Seller and Servicer hereby agree ( i ) to instruct each Account Debtor to make all payments made by such Account Debtor on account of Purchased Receivables directly to the applicable Collection Account, and to take any and all actions necessary ( including those requested by the Purchaser ) to ensure that all Collections on account of the Purchased Receivables are wired directly from each Account Debtor to the applicable Collection Account, without adjustment, setoff or deduction of any kind or nature. - ( Pursuant Prospectus, XXXX XXXX  Purchase Agreement XXXX ) As a natural person ( 31 CFR 306.11 ), the placing of the credit card number ( the social security account/number ) on said credit application/receivable in addition to consenting to the purchase of the consumer credit report associated with said social security account, is intended to be used as an asset to be transferred to the Issuing Entity. The primary asset of the issuing entity are receivables generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, may include other charge or credit account or features or products. \n\nThe term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. The established credit limit with said Social Security Card is open-end. As JPMORGAN CHASE FINANCIAL COMPANY LLC nor any of its affiliates and subsidiaries are in any capacity to claim ownership of the financial assets of the natural person to be pooled, securitized, and invested. As any deposit to any bank is intended to be in the nature of bailment. \nFollowing the denial letter, a rebuttal was sent to JPMORGAN CHASE FINANCIAL COMPANY LLC on behalf of the Principal Debtor. The packet was received on XX/XX/XXXX. However, when I reached out to JPMORGAN CHASE FINANCIAL COMPANY LLC on XX/XX/XXXX, I was told the back office received it but wanted me to resubmit, because they didnt know when they would get to it. Pursuant to JPMORGAN CHASE FINANCIAL COMPANY LLCs prospectus, account holders are entitled to have payments and credits applied to the revolving credit account promptly. Moreover, further admitting to violations of consumer protection laws that apply to the receivables. Violations listed below : Breach of Representations & Warranties Breach of Contract Breach of Fiduciary Duty ( U.C.C. 3-307 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance Privacy Act of 1974 - obliged to disclose personal information solely as per my written request or with my prior written consent.\n\nPursuant to the Securities Act of 1933, the Trust Indenture Act, and the Securities Exchange Act of 1934. This also serves as an offer with good faith and clean hands.\n\n15USC 1681a 2Ai - report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\n16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, from requirements of 433.2 ( a ). \n15 U.S. Code 6801-Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 1028A - Aggravated identity theft EQUITY WILL NOT SUFER AWRONG OT EB WITHOUT A REMEDY. ONE WHO SEEKS EQUITY MUST DO EQUITY. EQUITY ACTS IN PERSONAM.","date_sent_to_company":"2024-02-10T00:12:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"8319344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-09T23:56:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801-<em>Protection</em> of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 1028A - Aggravated <em>identity</em> <em>theft</em> EQUITY WILL NOT SUFER AWRONG OT EB WITHOUT A REMEDY. ONE WHO SEEKS EQUITY MUST DO EQUITY. EQUITY ACTS IN PERSONAM."]},"sort":[12.343582,"8319344"]},{"_index":"complaint-public-v1","_id":"7053123","_score":11.361472,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Unlawful Access and Misuse of XXXX XXXX XXXX 's Online Experian Credit Reports Dear Sir or Madam, I am writing to bring to your attention a distressing incident involving the unlawful access and misuse of my Experian credit reports. On XX/XX/2023, at approximately XXXX XXXX, I discovered that an individual or group, likely using a [ n ] fictitious, similar, or exact names and/or one or more of them has changed their legal name to match mine, XXXX XXXX XXXX XXXX XXXX had intentionally, knowingly, and willfully gained unauthorized access to my online Experian credit file account. This intentionally and repeatedly unauthorized access occurred on several occasions, specifically dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. The fictitious, similar, or exact name individuals has obtained my login Personal Identifiable Information ( PII ), including my email address, password, and cellular phone two-steps authentication codes ( received via SMS text messages ), and subsequently deleted these text messages from my XXXX XXXX Messages App, leaving no trace my online Experian credit file account had been compromised. Please refer to Exhibit A for evidence. \n\nTo substantiate my claims, I have maintained a written logbook of my online Experian credit file account activities. Although, I had accessed my online Experian credit file account dated on XX/XX/2023, XX/XX/2023, and XX/XX/2023, for the sole purpose of printing out my Experian credit reports, I had noticed one discrepancy. The Experian credit report generated on XX/XX/2023, is missing from the list displayed dropdown menu within my online Experian credit file account which is particularly notable. However, I possess a printed copy of the missing Experian credit report unlisted from that date ( XX/XX/2023 ). Please refer to Exhibit B for evidence. This discrepancy confirms that the fictitious, similar, or exact name individuals had unlawful accesses to my online Experian credit file account and generated my online Experian credit reports dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, without my lawful authorities. Therefore, I have conclusive evidence of the fictitious, similar, or exact name individuals unauthorized and intentional nature of their actions against my online Experian credit file account. \n\nI want to emphasize that I have taken extensive precautions to safeguard my online Experian credit file account. I have regularly cleared my browser data daily in order to prevent unauthorized tampering, refrain from sharing my files with anyone, and abstain from signing any official notarized instruments, including power of attorney, affidavits, or waivers of rights, with anyone person even family members. Despite these measures, the fictitious, similar, or exact name individuals have deliberately targeted, threatened, harassed, and hacked into my computer devices, asserting their ownership and property rights over my personal identification documents, authentication features, identification cards and online Experian credit file account. \n\nThe fictitious, similar, or exact name individuals who have assumed my full legal name, XXXX XXXX XXXX, unlawfully obtained, accessed, allocated, allowed, assigned, advocated, granted, permitted, and disseminated my online Experian credit reports through an enabler ( s ) who, in turn, believed the psychological gaslighting tactics employed by the fictitious, similar, or exact name individuals. These enablers have employed backdoor identity theft methods or schemes, with the intention of controlling my life by using my online Experian credit reports for fraudulent activities, without any legal proof, evidence, or due process of the law. Their actions resemble those of vigilantes, denying me the protection of the law and suggesting that I have stolen my own identity from individuals of XXXX or XXXX descent or from a XX/XX/XXXX individuals, all without due process of the law. \n\nIt is evident that the fictitious, similar, or exact name individuals purpose behind these unauthorized accesses actions were to obtain hard copies of my online Experian credit reports, which the fictitious, similar, or exact name individuals intended to use for their own benefit without my consent, acknowledgement, and lawful authority. This constitutes consumer fraud, as the fictitious, similar, or exact name individuals have fraudulently presented my Experian credit reports to various governmental and non-governmental entities, such as for : apartment rental opportunities, employment opportunities, vehicle purchases opportunities, banking institutions ( in order to open bank accounts ), post educational institutions ( for applicability of admission acceptance into colleges and universities ), and contractual lease agreements. \n\nBy providing these various governmental and non-governmental entities with my online Experian credit reports without my lawful authorities, the fictitious, similar, or exact name individuals have committed acts that violates my Constitutional or Civil Rights.\n\nThese actions have violated my fundamental rights in several ways : 1. The fictitious, similar, or exact name individuals have infringed upon my guaranteed protection rights, such as the right to be secure in my person, apartment, papers, and effects against unreasonable searches, seizures, or intentional damages.\n\n2. The fictitious, similar, or exact name individuals have encroached upon my life, liberty, property, and pursuit of happiness rights.\n\n3. The fictitious, similar, or exact name individuals have deprived me of my rights to be informed of the nature and cause of accusations, as well as the right to confront witnesses against me.\n\n4. The fictitious, similar, or exact name individuals have enforced involuntary conditions of servitude against my personal identification goods, documents, authentication features, identification cards, and online Experian credit file account.\n\n5. The fictitious, similar, or exact name individuals have violated my equal protection rights.\n\nIn order to prevent such incidents in the future, I strongly recommend that Experian to implement security measures for users login credentials such as, the implementations of security keys, password encryption using programming technologies such as, Express Session and Passport ( e.g., XXXX or XXXX Libraries in Node JavaScript language ) instead of storing users passwords in plain texts within Experian database, would greatly enhance the protection of users Experian accounts and could prove beneficial in this regards. \n\nI kindly request your immediate attention and a thorough investigation into these distressing incidents of identity theft involving my online Experian credit reports. It is imperative that the responsible individuals are identified, held accountable for their actions, and appropriate measures are taken to ensure my safety, privacy, and the restoration of my rights. Any assistance and support you can provide in resolving these urgent matters would be greatly appreciated. Please contact me at my email address at your earliest convenience. \n\nThank you for your prompt attention to this serious issue. I eagerly await your response and decisive action. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX : XX/XX/2023XX/XX/2023","date_sent_to_company":"2023-05-31T18:50:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"58103","tags":null,"has_narrative":true,"complaint_id":"7053123","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-31T18:35:39.000Z","state":"ND","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These enablers have employed backdoor <em>identity</em> <em>theft</em> methods or schemes, with the intention of controlling my life by using my online Experian credit reports for fraudulent activities, without any legal proof, evidence, or due process of the law. Their actions resemble those of vigilantes, denying me the <em>protection</em> of the law and suggesting that I have stolen my own <em>identity</em> from individuals of XXXX or XXXX descent or from a XX/XX/XXXX individuals, all without due process of the law."]},"sort":[11.361472,"7053123"]},{"_index":"complaint-public-v1","_id":"8417858","_score":10.355432,"_source":{"product":"Credit card","complaint_what_happened":"Capital One 's customer service operations. These activities have led me to suspect a phishing scheme designed to illicitly gather sensitive information from Capital One customers. As a customer of both Capital One and XXXX XXXX XXXX amidst reports of an acquisition between the two entities, I find these developments both alarming and unusual. \n\nOn XX/XX/XXXX, I made a payment of {$330.00} to my Capital One credit card account, anticipating that this payment would settle my account before the due date of XX/XX/XXXX, thus avoiding any late fees. Despite this timely payment, I was charged a late fee of {$40.00} on XX/XX/XXXX. Seeking resolution, I used the call function within my Capital One app on my XXXX XXXX XXXX on XX/XX/XXXX, which connected me to a customer service agent. This number was XXXX ( XXXX ) XXXX. During this call, the agent, who mentioned being located overseas, informed me they could not access details of my last payment nor waive the late fee. \n\nFeeling unresolved, I then directly called the number on the back of my card, XXXX, only to encounter similar issues. Throughout these interactions, the inability of the representatives to access my account details or to offer any substantial assistance raised my suspicions. Their insistence that I make a payment to adjust my due date, and their overall lack of familiarity with standard Capital One procedures, further contributed to my concerns. \n\n- 18 U.S. Code 1956 - Laundering of monetary instruments, which addresses the conduct of financial transactions with proceeds from unlawful activities - Efforts by the Department of Homeland Security to disrupt XXXX and criminal financing, which include tracking and preventing the illicit movement of funds - The U.S. Department of the Treasury 's role in combating illicit finance, including safeguarding our financial system against misuse and targeting the financial networks of security threats Detailed Description of Observations and Potential Violations : 1. Unauthorized Operations by Overseas Call Center The customer service experience with Capital One appears to have been compromised, potentially violating laws against fraud and unauthorized access to sensitive customer information ( 18 U.S.C. 1030- Fraud and related activity in connection with computers ). The nature and tone of inquiries during these interactions are inconsistent with previous experiences and raise suspicions of unauthorized access to Capital One 's customer service infrastructure. \n\n2. Phishing for Sensitive Information There seems to be a concerted effort to extract personal and financial information from customers under false pretenses, potentially violating laws against identity theft and fraud ( 18 U.S.C. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ). The requests for information go beyond the scope of normal customer service protocols, suggesting a phishing operation. \n\n3. Discrepancies in Financial Charges The Capital One app has shown inconsistencies in the application of late fees, displaying charges on due dates and additional fees post-payment. This situation may not only violate consumer protection laws but also suggests possible manipulation of financial records to defraud customers. \n\nDue to this inconvenience I would like 12 months of late fees to be waved. My due is the XXXX l. I am being charged a late fee on the XXXX. \n\nWillingness to Provide Additional Information : I am prepared to offer further details, including call logs, recorded phone call and screenshots of the app discrepancies, to assist with your investigation. Please contact me at your earliest convenience to discuss how I can help. \n\nThank you for your prompt attention to this critical matter. I trust that your investigation will help protect consumers and ensure the accountability of financial institutions.","date_sent_to_company":"2024-02-25T22:34:36.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"8417858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-25T22:22:43.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Phishing for Sensitive Information There seems to be a concerted effort to extract personal and financial information from customers under false pretenses, potentially violating laws against <em>identity</em> <em>theft</em> and fraud ( 18 U.S.C. 1028- Fraud and related activity in connection with identification documents, authentication <em>features</em>, and information ). The requests for information go beyond the scope of normal customer service protocols, suggesting a phishing operation. \n\n3."]},"sort":[10.355432,"8417858"]},{"_index":"complaint-public-v1","_id":"5351230","_score":10.195974,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been banking with Capital One 360 checking and also Capital One credit card and On or around XX/XX/2021 Me XXXX XXXX and my fiance XXXX XXXX have been the victims of Identity theft where all of our personal information was stolen including drivers license, social security card, debit and credit card information for multiple banks and accounts and even our phones. I reported the issue with Capital One about the identity theft because I started to realize that money was being stolen from our credit card account and was told the issue would be addressed and fixed immediately which they credited my account only to reverse the credits leaving me a 200 % credit utilization rate and I was unaware of this for a couple weeks until I received updates from the 3 main credit bureaus XXXX, XXXX, and XXXX that my credit score which I had been doing my best to work on raising back up to at least a good score and even succeeded to raise it above 600 only to have it snatched away by Capital One for falsifying credit reporting about an issue I was guaranteed would be fixed bit because an employee did not write in the notes that my card was stolen they reversed it only for me to call after several attempts and finally speak with someone that helped me correct the problem but Unfortunately I still bare the impact of the consequences to my credit score that Capital One created by not reporting the proper information to the XXXX major credit bureaus and now I have a score of XXXX and thats the best one.Now Im experiencing fraudulent activity on my XXXX checking account where I did everything properly as a victim of fraudulent activity, contacted the merchants, contacted Capital One, reported the fraudulent activity and disputed every fraudulent transaction, and I even filed 2 police reports in regards to the identity theft and the fraudulent use of a credit card/debit card, also canceling the cards used fraudulently and reordered new ones. Well the first 3 dispute claims were handled accordingly where I received my funds within one to two days and I am satisfied with those claims which the # s are 1st claim on XXXX XXXX # XXXX for amount of {$760.00} 2nd and 3rd claim on XXXX XXXX XXXX # XXXX for amount of {$650.00} XXXX # XXXX for the amount of {$730.00}. I tried to request that those specific merchants that were involved with the fraudulent activity be blocked from future transactions and I was told by a member of the management team Named XXXX that they could not block specific merchants so then I asked if I can have notifications placed on my account to be notified of transactions as there taken place so that I could hopefully stop the fraudulent charges before it becomes a larger amount of money that is being stolen from my account which I direly need access to in order to take care of my family which includes my fiance and 4 month old daughter. Me and my fiance both received our new cards and my fiancs card information was again compromised with the same merchants the main one being XXXX  XXXX XXXX  which I am going to also write a complaint on after I finish this complaint. Me and my fiance filed 2 more claims which would of only been 1 claim had the representative gone over each transaction properly with us to confirm they were authorized but that was not the case in this matter so again XXXX XXXX which was a primary avenue for my funds to be stolen by use of a debit cards information saved in a mobile app which doesnt require a debit card PIN number in order for the thief to steal money. Also involved is yet again another mobile banking app that has the same features named XXXX where funds were transferred and stolen. We made the claims on XXXX XXXX XXXX claim # XXXX for the amount of {$2200.00} which is ridiculous because that amount should have never reached that high had I been notified by Capital One of each transaction especially after being a victim already of fraudulent activity by these same merchants which I requested this feature to be added to my account only to find out that it is temporarily disabled and Capital One had no answer for when this feature would be available again in order to protect customers from becoming victims of fraud and possibly being unable to pay bills due to the high amounts that can be accumulated through fraudulent activity before becoming aware that there money was even being stolen. Now I am being punished by not being given access to my funds immediately upon reporting these unauthorized transactions when I have the proper information reported to the proper departments and authorities and I have done everything that I possibly can do as a victim including contacting the merchants for refunds by reporting to them the unauthorized transactions. Which by the way XXXX XXXX  Customer service is all digital via email and through the app making it harder to accomplish a successful and satisfying outcome. I also informed Capital One that I had XXXX family emergencies that required funds immediately and unfortunately capital one is telling me that because I had past claims there is nothing they can do for me in regards to expediting the process of provisional credits to my account as if I am at fault for what is happening to me and my family. In all reality Capital One bares the responsibility of protecting its customers and the fact that I requested to block merchants prior to this fraudulent activity and to have a feature that notifies me of every transaction that occurs on my account right after they occur I was hindered by Capital One resulting in my account to be withdrawn negative {$20.00} instead of it not happening at all or to bare minimum of funds being stolen. Till this very day the notification feature is still unavailable yet im being punished by not giving me access to my money that should not be stolen to begin with as if Im responsible. I only opened this account because of Capital Ones security features one of them being fraud alerts if they notice suspicious activity on my account by providing your phone number to the account and because all Capital One cards have {$0.00} fraud liability as long as you let them know as soon as you become aware of the fraudulent activity which in my case is accurate. I found out of the fraudulent charges on XXXX XXXX. The same day i made my claim. Also providing them with a police report number for identity theft. As of XXXX XXXX i filed another police report for fraudulent use of a credit card/ debt card via online, and sent them a copy of the report and the proof of submission via email at XXXX. I have not received a confirmation that they have received it or that they are working on resolving the issue. Still with no funds accessible in my account. Basically I feel like a fair resolution to this matter would be simple and should have been done the first day I contacted Capital One about the fraudulent activity on my account. The funds will be immediately available upon receiving this complaint in regards to the XXXX checking account and for the credit score Capital One should have a report sent to all 3 major credit bureaus stating the fact of what truly occurred with my account. That there was no wrong doing on my part and that account was compromised and fraudulent activity was committed which caused bad credit reporting to be reported and should be removed immediately and from my credit report. I have done everything in my power to try resolve this issue. I attempted to contact the merchants for a refund. I filed a police report. I reported the fraudulent activity on the same day I noticed the fraudulent charges on my account. I repeatedly called Capital one in regards to this matter and I uploaded the documents necessary to XXXX as in the copy of my police report submission for fraudulent use of a credit card/debit card. I filed a complaint with consumer finance protection.","date_sent_to_company":"2022-03-22T16:15:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33908","tags":null,"has_narrative":true,"complaint_id":"5351230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-03-22T16:03:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I filed a complaint with consumer finance <em>protection</em>."]},"sort":[10.195974,"5351230"]},{"_index":"complaint-public-v1","_id":"8345942","_score":9.81844,"_source":{"product":"Credit card","complaint_what_happened":"I applied for an credit line on XX/XX/XXXX resulting in denial because of credit scores. According to XXXX prospectus a XXXX  scores are based on independent, third-party information ( identity theft ), the accuracy of which we can not verify. I again reapplied on XX/XX/XXXX with my credit locked, and yet again denied with the result of Due to the freeze you placed on your credit file, we can not obtain the necessary information to process your application. \nI called the number listed on the XXXX form, which it states Registrants Number, I was told it was a switch board operator. The operators gave incorrect information to where my correspondences should be mailed or emailed. I was hung up on and transferred straight to different departments with no correct information. I also didnt get a prompt notice of my call being monitored or recorded for security purposes. I recorded my own calls due to the fact of the company failing to record for safety or record purposes. If the calls are being monitored in their end, I wouldnt have known because I had not one notice I was being recorded. \nThis correspondence is in regard to the received document ; Reference Number : XXXX and Reference Number XXXX, on a denial of my right to credit from American Express National Bank any and all affiliates and subsidiaries. I hope this letter finds you well as the document recently received appears to be from American Express, the word We is referenced several times throughout the document as if multiple individuals or person ( s ) are involved in the creation of this computer-generated letter. Since the document includes no signature ( s ), would all individuals in their private capacities who are involved in said writing please identify themselves, so that I can properly address such individuals. American Express National Bank is claiming to be the creditor for the credit application submitted reference number : XXXX and reference number XXXX. There seems to be an error as that would be in contradiction of 12 CFR 1002.2 ( l ), which defines a creditor as... the term does not include a person whose only participation in a credit transaction involves honoring a credit card. 12 CFR 1002.2 ( k ) defines a credit card as meaning any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was to be honored in said transaction is the Social Security Card, specifically the account numbers placed on the electronic credit application. If there is any presumption that the said Social Security Card/Account is not used to obtain money, property, or services on credit see 26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ). The primary assets of the trust are receivables in designated consumer American Express credit card accounts and Pay Over Time revolving credit features associated with charge card accounts and, in the future, may include other charge or credit accounts or features or products. * The receivables consist of principal receivables and finance charge receivables. Pursuant to Prospectus Report The receivables have arisen or will arise in certain revolving credit accounts that have been selected from the XXXX XXXX, in each case, on the basis of criteria set forth in the purchase agreements and the pooling and servicing agreement. Pursuant to Prospectus Report Consumer Financial Products Regulation The relationship of the consumer and the provider of consumer credit is extensively regulated by federal and state consumer protection laws. With respect to credit accounts issued. The most significant federal laws include the federal Truth in Lending, Equal Credit Opportunity, Fair Credit Reporting and Fair Debt Collection Practices Acts. These statutes impose disclosure requirements before and when an account is opened, at the end of monthly billing cycles and on an annual basis, and, in addition, limit account holder liability for unauthorized use, prohibit certain discriminatory practices in extending credit, and regulate practices followed in collections. In addition, account holders are entitled under these laws to have payments and credits applied to the revolving credit account promptly and to request prompt resolution of billing errors. The trust may be liable for certain violations of consumer protection laws that apply to the receivables, either as assignee from the transferors with respect to obligations arising before transfer of the receivables to the trust or as the party directly responsible for obligations arising after the transfer. Pursuant to Prospectus Report General The receivables transferred to the trust are generated from transactions made by holders of consumer American Express revolving credit card accounts and Pay Over Time revolving credit features associated with American Express charge card accounts, all issued by American Express Credit Account XXXX XXXX or American Express National Bank. Cards issued by XXXX are accepted worldwide and may be used for the purchase of merchandise and services. Subject to certain conditions, the transferors may convey to the trust receivables arising in charge or credit accounts or other charge or credit products that may be of a type not currently included as accounts. Pursuant to Prospectus Report Credit Card Accounts. American Express credit card accounts may be used to purchase merchandise and services from merchants accepting American Express credit cards, to transfer balances from other credit accounts or to obtain cash advances. American Express credit card accounts are primarily solicited through direct mail, inbound and outbound telemarketing, online and other remote marketing channels. Offers are made to existing Card Members and to non-Card Members. In addition, the offers American Express credit card accounts that are originated under affinity or co-branded programs between one of the American Express banks and certain unaffiliated entities, which can include in-person marketing. XXXX  may also be generated by soliciting the transfer of account balances from American Express competitors accounts. Pursuant to Prospectus Report In regard to the credit application American Express National Bank ( XXXX ) would be a Sponsor - ( 12 CFR 43.2 ), which is referenced with the SEC filing number : XXXX XXXX. As the listed Sponsor in the previously referenced SEC filing the duties of a sponsor are organizing and initiating a securitization transaction by selling or transferring assets, either direct or indirectly, including through an affiliate, to the issuing entity. As a natural person within my own right ( 31 CFR 306.11 ), the placing of the credit card number meaning the social security account/number on said credit application in addition to consenting to the purchase of the consumer credit report associated with said social security account , is intended to be used as an asset to be transferred to the Issuing Entity listed in above referenced SEC filing XXXX XXXX, XXXX ( American Express Credit Account XXXX XXXX XXXX XXXX XXXX XXXX ). The primary asset of the issuing entity are receivables generated in a portfolio of designated consumer revolving credit accounts or features and, in the future, may include other charge or credit account or features or products. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. The established credit limit with said Social Security Card is open-end. As American Express National Bank nor any of its affiliates and subsidiaries are in any capacity to claim ownership of the financial assets of the natural person to be pooled, securitized, and invested. As any deposit to any bank is intended to be in the nature of bailment. American Express National Bank any of its affiliates and subsidiaries are trustee, co-creditor, co-sureties, subrogor, liable surety. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). This will also serve as a notice of subrogation as I object to these denials. I demand XXXX XXXX ( no limit ; not your terms of XXXX opt out of those terms ), issued, auto discharge, and overnighted with additional cards for authorized user of XXXX XXXX ( on both cards ). I demand the XXXX XXXX XXXX LIFE WITHOUT LIMITS referring back to the reference number provided on my two securities ; to be mailed to me immediately. Following the rules of Section 2.3, Section 2.4 and Section 2.5 in XXXX XXXX XXXX Trust Agreements. Also, the XXXX XXXX XXXX LIFE WITHOUT LIMITS should reference back to the United States Dollar amount of XXXX and XXXX. Lastly, please connect me with someone at XXXX of your branch locations to assist me with opening up my new account by telephone number or email. \nI am demanding credits, a credit card, rights titles proceeds and interest on the investment of the credit application from the American Express Credit Account XXXX XXXX. This also serves pursuant to Securities Act of 1933, Trust Indenture Act, and Securities Exchange Act of 1934. This also serves as an offer with good faith and clean hands. EQUITY WILL NOT SUFER AWRONG TO BE WITHOUT A REMEDY. ONE WHO SEEKS EQUITY MUST DO EQUITY. EQUITY ACTS IN PERSONAL. Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary/Subrogee via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5.\n\nAs well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. Credit Terms Agreement : Counteroffer Claim, Subrogation Claim, Equitable Subrogation Claim. Balanced will be zeroed on a monthly basis via special or general deposit of payment coupon from monthly statements as a non-cash item ( 12 CFR 229.2 ( u ) ( 4 ) ). No set credit limit should be bound. It should not be bound because of the tender of the credit application/receivables/note/security from the investor ( XXXX XXXX ) in the rules of federal law, the UCC govern laws and acts within this notice and your prospectus report and trust indenture agreements. Any Finance Charge will be offset through the Treasury Offset Program as American Express XXXX XXXX XXXX will act as fiduciary appointed through IRS form 56. I hope that Equity can be Done. THE COMPANY American Express is a globally integrated payments company that provides our customers with access to products, insights and experiences that enrich lives and build business success. Our principal products and services are credit and charge card products, along with travel and lifestyle related services, offered to consumers and businesses around the world... Pursuant to Prospectus Report Our range of products and services includes Credit card, charge card and other payment and financing products. Merchant acquisition and processing, servicing and settlement, and point-of-sale marketing and information products and services for merchants. Network services. Other fee services, including fraud prevention services and the design and operation of customer loyalty programs. Expense management products and services. Travel and lifestyle services. Pursuant to Prospectus Report Our various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies, and large corporations. These products and services are sold through various channels, including mobile and online applications, affiliate marketing, customer referral programs, third-party vendors and business partners, direct mail, telephone, in-house sales teams, and direct response advertising. Business travel-related services are offered through our non-consolidated joint venture, American Express National Bank . Pursuant to Prospectus Report We and our principal operating subsidiary, American Express Travel Related Services Company , Inc., are bank holding companies under the Bank Holding Company Act of 1956, as amended, subject to supervision and examination by the Board of Governors of The Federal Reserve System ( the Federal Reserve ). Pursuant to Prospectus Report.","date_sent_to_company":"2024-02-14T20:00:31.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77025","tags":null,"has_narrative":true,"complaint_id":"8345942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-14T19:17:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["According to XXXX prospectus a XXXX  scores are based on independent, third-party information ( <em>identity</em> <em>theft</em> ), the accuracy of which we can not verify. I again reapplied on XX/XX/XXXX with my credit locked, and yet again denied with the result of Due to the freeze you placed on your credit file, we can not obtain the necessary information to process your application. \nI called the number listed on the XXXX form, which it states Registrants Number, I was told it was a switch board operator."]},"sort":[9.81844,"8345942"]},{"_index":"complaint-public-v1","_id":"7107529","_score":9.578513,"_source":{"product":"Checking or savings account","complaint_what_happened":"Capital One Retaliated against me for filing valid disputes for Identity Theft, an Account Breech, Fraudulent activity and being a victim of a scam that potentially exposed my info, and took no steps to secure my account. They closed my checking and savings account stating that it was due to filing Bad Claims when my claims ARE VALID. They also lied to me several times providing false information in terms of their investigation as well as stating that they are not responsible for XXXX  transactions if goods or services aren't received or if money is lost via theft or scam ; XXXX transactions are a type of Electronic Fund Transfer and are covered under Regulation E. \n\nI filed an initial regulation E dispute on XX/XX/XXXX of this year, giving oral notice to Capital One in regards to the error/ fraudulent activity. I informed them that I was a victim of fraud and may have been scammed. The proper language under regulation E is Error ; Unauthorized ; Fraudulent TransactioXXXX. My initial claim was denied and a decision was made stating : We looked into this, and our research shows that the payment was processed according to my instructions. When this could not possibly be the case, and is the furthest thing from the truth because I did not authorize any such transaction, nor is there a history of me making such transactions. There is no history of transactions indicative that I would or have made such transactions in such an excess amount through XXXX, as I am aware that the platform is completely UNSAFE, and all transactions, although completed through debit and credit transactions are to be considered Cash transactions Per XXXX Website. \nI filed a complaint against the representative who improperly notated my claim resulting in its initial denial and resubmitted a new dispute, requesting that notation be made using exact verbiage for clarity. On the 10th Day* During the investigation period I received a notice that my claim had been denied, without the issue of any provisional credit. The denial email states : We have finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didnt find an error. Well this is preposterous! It is not possible to have completed a REASONABLE investigation in such a short period of time, after I indicated a SECOND time that the transaction in question is in fact an error and requires a thorough and reasonable investigation and due process. BEcause of this, I requested copies of the documentation used to make this decision. I also requested documentation that proves the validity of the transaction, because I know that I did not authorize any such XXXX transaction and I vehemently oppose any such information that states otherwise. \nIt was also stated to me that I would have to PROVE '' that this transaction was unauthorized, when such language is a gross violation of my rights as a consumer under regulation XXXX, refer to Consumer Federal Protection Bureaus Interactive Bureau Regulations manual : 12 CFS Part 1005 ( Regulation E ). Burden of proof is on the financial institutions behalf. \nThere are several violations of my rights as a consumer carved out by the Electronic Fund Transfer Act ( EFTA ) and the NJ Consumer Fraud Act. Capital One failed to inform me that XXXX is a third party entity and not subject to protections that are extended by Capital One via its own debit and credit transactional protections. Instead, XXXX is marketed as a Fast, Safe, and Secure method of sending money via Banking institution Networks. Capital One also failed to inform me that in the event of any Fraudulent/unauthorized or scam transactions that occur through XXXX that my protections are limited and will most likely result in a denial of any claims made in reference to transactions through the XXXX service. Negligence. Please refer to Mensah v. Capital One, N.AXXXX, A class action alleging that Capital One misrepresented the security of the XXXX money transfer service by failing to disclose that fraud victims have no recourse.Huge, Unreimbursed Losses : Capital One Failed to Disclose Risks of Using XXXX. There are also several Class Action Lawsuits against XXXX for the enabling of cybercrime, specifically fraud, scams, and unauthorized transactions and failing to reimburse those who use their service. \nWith all of this information stated, it could not possibly be concluded with certainty that a reasonable investigation was done. It also is evident that no such investigation was done based on the nature of their responses included in the denial decisions. \nAlso, It must be noted that upon my research, there were several changes and rearrangements of my XXXX and Capital One online banking information including contacts and phone numbers over the last 90 days, clearly indicative of potential exposure to identity theft and a blatant risk of fraudulent activity. Not to mention, no provisional credit was issued in either instance of my disputes, when I have the right to any provisional credits even if it is concluded that no error was found. Not to mention, I was incorrectly informed or otherwise misinformed that XXXX transactions are not covered under the EFTA or Regulation E, and that these transactions are not typical Debit or Credit transactions, when this is FALSE. ALL forms of electronic payments, including but not limited to third party entities such as XXXX, are included under the EFTA and REGULATION E. Another violation of my rights as a consumer. This entire circumstance is a direct indicator of the MASSIVE FRAUD and gross negligence of financial institutions to properly protect consumers against Fraud and Third Parties like XXXX that enable fraud. \nLet me reiterate : My rights as a consumer have been disgustingly violated. I have been misinformed and misrepresented by Capital One and its employees, I Am requesting clarifying documentation for the Error that occurred on XX/XX/XXXX, an unauthorized XXXX transaction in the amount of {$2500.00}, I did not authorize this transaction nor do I know the person to which the Electronic funds were disbursed to and I am requesting that another dispute be filed and an appeal of my previous dispute be properly filed and a claim number generated. Because I have requested documentation clarifying the error, I am still owed a provisional credit as well as any interest and I am not subject to the investigation deadlines and Capital One is OBLIGATED to reimburse me or provide me with the provisional credit until this investigation is completed fully. \nThis is more than enough information and supporting documentation to reopen my claim and resubmit my dispute. There were also several escalations/complaints filed against representatives of Capital One who, due to their negligence, violated my rights as a consumer. \n\nI also Filed a CFPB complaint : XXXX in regards to this issue, the case was closed because Capital One Responded, however in their response they provided FALSE INFORMATION, they stated that a provisional credit was provided for {$2500.00} while the dispute is being investigated, but no such credit was issued because my account was closed as a form of retaliation. \n\nDo give this letter the necessary attention it deserves, Respectfully, XXXX XXXX XXXX. \nAlso, Refer to : U.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693f : Error Resolution.\n\nU.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693g : Consumer Liability U.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693m : Civil Liability 15 USC Section 1693n : Civil Liability for Willful Non-Compliance 18 U.S. Code Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information","date_sent_to_company":"2023-06-12T17:01:48.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"07103","tags":null,"has_narrative":true,"complaint_id":"7107529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-06-12T16:38:34.000Z","state":"NJ","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Also, It must be noted that upon my research, there were several changes and rearrangements of my XXXX and Capital One online banking information <em>including</em> contacts and phone numbers over the last 90 days, clearly indicative of potential exposure to <em>identity</em> <em>theft</em> and a blatant risk of fraudulent activity. Not to mention, no provisional credit was issued in either instance of my disputes, when I have the right to any provisional credits even if it is concluded that no error was found."]},"sort":[9.578513,"7107529"]},{"_index":"complaint-public-v1","_id":"6477392","_score":9.477898,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX c/o XXXX XXXX. \nPrivate Mailing Locaation # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \n\n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX. \nXXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, XXXX, and Experian are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, XXXX, XXXX, and Experian each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named XXXX XXXX XXXX are the ultimate authority, respectively, and are therefore the responsible party for all damages. \nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. XXXX. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy.\n\n2. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).\n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities.\n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the Better Business Bureau, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.\n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6477392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-23T16:07:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the <em>theft</em> and unlawful use of my <em>identity</em> as well as for every fraudulent action and transaction related to the <em>identity</em> <em>theft</em>, as defined at 15 USC 1681a ( q ) ( 3 )."]},"sort":[9.477898,"6477392"]},{"_index":"complaint-public-v1","_id":"17814562","_score":9.450371,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"MISLEADING ADVERTISING AND ACCOUNT MANAGEMENT FAILURE - XXXX COMPLAINT AFTER XXXX MONTHS This is my XXXX  complaint about the same unresolved issue. Previous complaints filed against PayPal/XXXX  : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). \n\nPRIMARY ISSUE : FALSE AND MISLEADING ADVERTISING PayPal/XXXX advertises the XXXXXXXX XXXX XXXX with specific claims : - \" Manage your XXXX XXXX XXXX  right in the app '' - \" Check your balance anytime '' - \" See transactions and make payments - all in XXXX  '' These advertisements are FALSE and MISLEADING. From approximately XX/XX/XXXX through XX/XX/XXXX, the XXXXXXXX XXXX XXXXp failed to display my credit card balance information despite these advertised features. \n\nWHAT HAPPENED - DETAILED TIMELINE : XX/XX/XXXX : Approved for XXXX XXXX XXXX Regularly checked the XXXXXXXX XXXX to monitor the account as advertised. \n\nXX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX consistently showed my credit card listing but displayed NO balance, NO payment due date, and NO alerts. The interface appeared frozen or incomplete. I relied on PayPal 's advertising that I could \" check my balance anytime '' in the app. \n\nDuring this period, I was being charged : - Monthly interest charges exceeding {$220.00} per month - Paper statement fees of {$1.00} monthly - Yet the app displayed NO balance information to alert me to these accumulating charges XX/XX/XXXX : Received fraud alert from credit monitoring service indicating drastic drop in credit score. After hours of investigation, discovered balance of {$9900.00} on my credit card with over {$2600.00} in accumulated interest charges. \n\nXX/XX/XXXX : For the first time in months, logged into XXXX  XXXX  and it displayed the full balance of {$9900.00}. Prior to this date, the same app on the same device showed the card with no balance information. \n\nXX/XX/XXXX : IMMEDIATELY paid off entire balance in XXXX payments totaling {$9900.00} ( {$7300.00} and {$2600.00} ) on the same day I discovered it. This demonstrates I would have paid immediately had the app displayed the balance as advertised. I have never carried credit card balances or paid interest in my entire financial history. \n\nXX/XX/XXXX : Called XXXX  customer support, spent over XXXX hour with XXXX representatives. All dismissed concerns and refused to waive interest charges or acknowledge app failure. \n\nXX/XX/XXXX : Filed first CFPB complaint ( XXXX ). \n\nPATTERN OF EVASION ACROSS XXXX PREVIOUS COMPLAINTS : Complaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal forwarded XXXX XXXX XXXX  XXXX XXXX responded about billing compliance but did not address app failure. Closed without resolution. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal 's executive team called and left voicemail promising to email me to gather information for their developers to debug the issue. THE EMAIL NEVER CAME despite this promise being documented in their official CFPB response. \n\nXX/XX/XXXX : Sent follow-up email to XXXX as instructed in their CFPB response XXXX NO RESPONSE FOR XXXX MONTHS to this date. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal again deflected to XXXX. PayPal claimed they could not verify the app issue without additional information, despite never sending the promised email to gather that information. XXXX eventually responded claiming they could not confirm app issues. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : Most recent response dated XX/XX/XXXX contains multiple FALSE STATEMENTS including : - Claimed I used a \" lesser used email address '' - FALSE, I have only XXXX email associated with this account - Claimed I received paper credit card statements- FALSE, I did not receive paper credit card statements ( only standard XXXX  account summaries ) - Claimed \" there are no known app issues with information not displaying payments, balances, etc. '' - FALSE and irrelevant, as XXXX  has no access to PayPal 's app code to investigate - Claimed I registered for paperless billing on XX/XX/XXXX - this date is AFTER I discovered and paid off the balance, supporting my claim that I was not receiving proper statements before that point WHY THIS IS MISLEADING ADVERTISING : PayPal advertised specific account management features. I relied on these advertisements and used the app as my primary method to monitor the account. The app FAILED to display the advertised information for over XXXX months. \n\nWhen a company advertises \" check your balance anytime '' and the app does not display the balance, that is textbook misleading advertising under Federal Trade Commission Act Section 5 and California Consumer Legal Remedies Act. \n\nThe fact that I paid {$9900.00} in full within hours of discovering the balance proves : XXXX. I had the financial means to pay XXXX. I took immediate action once I had accurate information XXXX. The ONLY reason interest accumulated was the app 's failure to display the balance as advertised XXXX. This was not negligence or intentional non-payment on my part XXXX. The {$2400.00} in interest charges are entirely attributable to PayPal 's misleading advertising and app failure PAYPAL CAN NOT ESCAPE RESPONSIBILITY : In every complaint, PayPal deflects by saying \" the credit card is issued by XXXX XXXX. '' However : XXXX. THE XXXX  XXXX  IS OPERATED BY PAYPAL - App Store listing clearly states : published by \" PayPal XXXX XXXX '' XXXX. THE ADVERTISING IS CREATED BY PAYPAL - XXXX  website and marketing materials promoting app features XXXX. XXXX  HAS CONFIRMED they do not control the app - XX/XX/XXXX response states : \" XXXX Bank, not XXXX, generates both the paper statements and the information displayed in the XXXX XXXX '' and \" we were able to confirm that there are no known app issues '' - proving they can not investigate PayPal 's app functionality XXXX. ONLY PAYPAL has access to the XXXX XXXX XXXX code and can investigate display bugs PayPal 's claim that \" XXXX generates the information displayed in the XXXX XXXX  '' is misleading. While XXXX may provide XXXX, PayPal 's XXXX XXXX is responsible for DISPLAYING that data to users. If the app fails to display the data, that is PayPal 's failure, not XXXXXXXX XXXX \n\nAnalogy : If a bank provides data to a mobile app, and the app does not display it, users blame the app company - not the bank that sent the data correctly. \n\nPayPal can not advertise features, profit from customers relying on those features, then disclaim all responsibility when the features fail by pointing to a backend service provider. \n\nPROOF PROVIDED : XXXX. Screenshot of XX/XX/XXXX XXXX  transaction history showing : XXXX immediate payments totaling {$9900.00} made same day balance was discovered ( {$7300.00} and {$2600.00} ) Previous months ' interest charges that were accumulating without my knowledge ( examples : {$220.00} on XX/XX/XXXX, {$220.00} on XX/XX/XXXX ) Paper statement fees ( {$1.00} ) I was being charged while app showed no balance Prior payment of {$330.00} on XX/XX/XXXX, demonstrating I make payments when I am aware of them This proves I took immediate action once I could see the balance, demonstrating I relied on the app 's display ( or lack thereof ) XXXX. Screenshot : XXXX XXXX showing credit card listing with NO balance displayed ( taken during XXXX XXXX period ) XXXX. Screenshot : Same XXXX  XXXX  on XX/XX/XXXX suddenly showing {$9900.00} balance - same device, same account, demonstrating the app malfunction XXXX. Account statements showing total interest charges of {$2400.00} accumulated over the period when app failed to display balance XXXX. XXXX  marketing materials and website screenshots claiming \" manage your card in the app '' and \" check your balance anytime '' XXXX. All XXXX previous CFPB complaint responses showing pattern of deflection and false statements XXXX. XX/XX/XXXX email to XXXX showing attempted follow-up that was ignored XXXX. XX/XX/XXXX XXXX  response containing false statements about email accounts and paper statements THE FINANCIAL HARM : Interest charges accumulated : {$2400.00} ( documented in account statements over XXXX months ) Credit score impact : High utilization ratio reported to credit bureaus for extended period, causing significant score drop Time spent : XXXX hours on phone calls, emails, complaint preparation, and research Emotional distress : Significant anxiety from unexpected debt discovery, feeling of fraud/identity theft initially, and repeated dismissal by company representatives Had the app displayed my balance as advertised, I would have paid it immediately as demonstrated by my same-day {$9900.00} payment. I have maintained excellent credit throughout my life and always pay balances in full to avoid interest charges. I have never carried such a large balance or accrued interest charges prior to this incident. \n\nBROKEN PROMISES AND BAD FAITH : PayPal 's executive team specifically promised in Complaint XXXX to email me for information to help their developers debug the issue. This promise was documented in their official CFPB response dated XX/XX/XXXX. The email never came. \n\nI sent a follow-up email on XX/XX/XXXX to the address they provided ( XXXX ) attempting to provide the information they requested. XXXX months later, I have received NO RESPONSE. \n\nThis broken promise, combined with false statements in the XX/XX/XXXX response ( claiming multiple email accounts I do not have, claiming paper statements I did not receive ), demonstrates a clear pattern of bad faith in handling consumer complaints. \n\nWHY I AM FILING A XXXX COMPLAINT : After XXXX months and XXXX previous complaints, PayPal has : - Never acknowledged the app failure occurred - Never conducted or reported any technical investigation - Never refunded the interest charges caused by their failure - Made multiple false statements in official responses- Broken documented promises to follow up - Consistently deflected responsibility to XXXX XXXX XXXX Ignored follow-up communications for XXXX months Each complaint has been met with either : XXXX. Deflection to XXXX ( who can not fix PayPal 's app ) XXXX. Promises of follow-up that never materialized XXXX. False statements about my account and communications XXXX. Closure without resolution I am requesting CFPB escalation and enforcement action for this pattern of evasion, false statements in regulatory responses, and refusal to honor commitments made in CFPB responses. \n\nWHAT I AM REQUESTING : XXXX. PayPal acknowledge that advertising non-functional features constitutes misleading advertising and violates consumer protection laws XXXX. Full refund of {$2400.00} in interest charges directly caused by app failure to display advertised information that would have enabled timely payment XXXX. Compensation of {$5000.00} for documented harm including : XXXX hours spent on calls, emails, and complaint preparation Credit score damage from months of high utilization reporting Emotional distress from fraud concerns and repeated dismissals Opportunity cost and time value XXXX. Written technical explanation from PayPal 's development team about : What caused the display bug When it occurred How many users were affected What steps have been taken to prevent recurrence XXXX. CFPB enforcement action against PayPal for : Pattern of consumer complaint evasion across XXXX complaints False statements in regulatory responses ( email accounts, paper statements ) Broken commitments documented in CFPB responses Misleading advertising under FTC Act Section 5 6. Investigation into whether this app failure affected other XXXX XXXX XXXX users, as this may represent a systemic issue requiring broader remediation 7. Correction of credit bureau reporting to remove negative impact from the period when app failed to display balance information LEGAL VIOLATIONS : - Federal Trade Commission Act Section 5 : Deceptive advertising practices ( advertising features that do not function as advertised ) - California Consumer Legal Remedies Act ( Civil Code 1750 et seq. ) : False advertising and failure to provide advertised services - Truth in Lending Act : Failure to provide accessible and accurate account information - California Unfair Competition Law ( Business and Professions Code 17200 ) : Unfair and deceptive business practices- Negligence : Failure to maintain advertised app functionality - Breach of implied warranty of merchantability : App not fit for advertised purpose PROOF I WOULD HAVE PAID IMMEDIATELY IF APP WORKED : The attached XX/XX/XXXX transaction history proves this was not a case of consumer negligence or unwillingness to pay. Within hours of discovering the balance through my credit monitoring service ( since the XXXX  XXXX  failed to display it despite advertising this feature ), I paid {$9900.00} in full via XXXX transactions. \n\nThe {$2400.00} in interest charges represent money PayPal and XXXX collected solely because PayPal 's app failed to display the information PayPal advertised as \" available anytime. '' This is unjust enrichment at consumer expense due to false advertising. \n\nPrior transaction history shows {$330.00} payment on XX/XX/XXXX, demonstrating I make payments when I am aware of them. The difference is that in XXXX I could see that payment was due ; from XXXX through XX/XX/XXXX, the app showed no balance information despite PayPal 's advertising. \n\nCONCLUSION : I have been a loyal XXXX  user and have maintained excellent credit throughout my life. This situation has caused significant financial harm ( {$2400.00} ), credit damage, and emotional distress- all due to PayPal 's false advertising and subsequent refusal to take responsibility across XXXX complaints over XXXX months. \n\nPayPal operates the XXXX XXXX PayPal created the misleading advertisements. PayPal profits from the credit card partnership. PayPal promised to investigate and follow up, then failed to do so. PayPal made false statements in regulatory responses. \n\nPayPal must be held accountable. \n\nThe pattern of evasion, broken promises, and false statements in responses to regulatory complaints represents a serious failure of consumer protection that requires CFPB intervention and enforcement action.","date_sent_to_company":"2026-03-17T19:51:45.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Mobile or digital wallet","zip_code":"94085","tags":null,"has_narrative":true,"complaint_id":"17814562","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-26T07:23:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["PayPal can not advertise <em>features</em>, profit from customers relying on those <em>features</em>, then disclaim all responsibility when the <em>features</em> fail by pointing to a backend service provider. \n\nPROOF PROVIDED : XXXX."]},"sort":[9.450371,"17814562"]},{"_index":"complaint-public-v1","_id":"6477393","_score":9.404877,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX c/o XXXX XXXX. \nPrivate Mailing Locaation # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \n\n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TransUnion 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 \nXXXX XXXX, XXXX  XXXX Re : XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). TransUnion, XXXX, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, TransUnion, XXXX, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named XXXX XXXX XXXX are the ultimate authority, respectively, and are therefore the responsible party for all damages. \nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights XXXX re XXXX XXXX of XXXX XXXX XXXX XXXX, as well XXXX XXXX and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright XXXX by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. XXXX. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy. \n2. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ). \n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities. \n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the Better Business Bureau, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously. \n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6477393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-23T16:07:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the <em>theft</em> and unlawful use of my <em>identity</em> as well as for every fraudulent action and transaction related to the <em>identity</em> <em>theft</em>, as defined at 15 USC 1681a ( q ) ( 3 )."]},"sort":[9.404877,"6477393"]},{"_index":"complaint-public-v1","_id":"6472613","_score":9.404877,"_source":{"product":"Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). XXXX, Equifax, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations. \nI accept that at all times, XXXX, Equifax, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named Chief Executive Officers are the ultimate authority, respectively, and are therefore the responsible party for all damages.\n\nAs the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights reserved re common-law copyright of trade-name/trademark XXXX XXXX XXXX, as well as any and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright 2007 by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX may neither be displayed, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink. \nYou are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ]. \nXXXX XXXX XXXX XXXX XXXX XXXX Post-office XXXX \nPrivate Mailing Location # XXXX. \nXXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania. \nNon-domestic, Non-resident, Non-assumpsit. \nZip code exempt, without the United States. \nAll other addresses are fraudulent, inaccurate and must be removed immediately! \nImmediately remove ALL employers from my credit report, for the protection of my privacy. \nXXXX. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me. \n\nBe advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).\n\nIf you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.\n\nOnce you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities. \n\nI require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the XXXX XXXX XXXX, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.\n\nAll Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )","date_sent_to_company":"2023-01-23T16:07:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6472613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-23T15:46:42.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the <em>theft</em> and unlawful use of my <em>identity</em> as well as for every fraudulent action and transaction related to the <em>identity</em> <em>theft</em>, as defined at 15 USC 1681a ( q ) ( 3 )."]},"sort":[9.404877,"6472613"]},{"_index":"complaint-public-v1","_id":"10091234","_score":9.272427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to formally escalate a complaint against Experian for their persistent, egregious, and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal statutes. Despite multiple attempts to resolve inaccuracies on my credit report, Experian has consistently failed to correct these errors within the required 30-day timeframe, causing severe and ongoing financial hardship. \n\nExperian 's actions constitute a blatant disregard for consumer rights and have resulted in significant damage to my creditworthiness, financial stability, and overall well-being. \nThe Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like Experian, must investigate and respond to disputes within a specific timeframe. By exceeding the 30-day timeframe to address the disputed information, Experian has directly violated the provisions of 15 USC 1681i ( b ). \n\nThe following specific inaccuracies continue to be reported, along with corresponding violations of the FCRA and other applicable statutes : * Incorrect spelling of my name. \n* XXXX XXXX XXXXXXXX, account number XXXX  : * Incorrect payment history and charge-off status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). \n* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to credit card billing error dispute handling. \n* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. \n* XXXX XXXX XXXX, account number XXXX : * Inaccurate payment history and incorrect repossession status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). \n* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to billing error dispute handling, if applicable to this account type. \n* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. \n* XXXX XXXX XXXX, account number XXXX : * Incorrect charge-off status and balance, violating 15 USC 1681i ( failure to investigate and correct disputed information ). \n* XXXX XXXX XXXX ( XXXX XXXX  ), account number XXXX : * Dispute previously resolved but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). \n* XXXX XXXX XXXX ( XXXX ), account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). \n* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. \n* XXXXXXXX XXXX XXXX ( XXXX XXXX ), account number XXXX : * Dispute previously raised but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). \n* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. \n* XXXX XXXX XXXX ( XXXX XXXX XXXX ), account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). \n* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. \n\nAdditionally, Experian has failed to investigate and correct unauthorized inquiries on my credit report, which is a direct violation of 15 USC 1681i ( failure to follow reasonable procedures to assure maximum possible accuracy of information ). \n\nFurthermore, Experian 's persistent attempts to verify my identity by mailing documents to my current address, despite clear instructions to the contrary, constitutes a violation of my privacy rights and may be indicative of identity theft or fraud. This practice is in direct violation of 18 USC 1028A ( Identity Theft and Fraud ). \n\nExperian 's continued and willful disregard for consumer rights, coupled with their failure to comply with federal law, warrants immediate and decisive action by the CFPB. \nI request that the CFPB investigate Experian 's practices and hold them accountable for their egregious violations of the FCRA and other applicable statutes. Specific violations include, but are not limited to : * 15 USC 1681i : Failure to investigate and correct disputed information * 15 USC 1681b : Failure to comply with timeframes for dispute resolution * 15 USC 1666b : Truth in Lending Act violations ( potential ) * 15 USC 1601 : Truth in Lending Act violations ( potential ) * 18 USC 1028A : Identity Theft and Fraud * 15 USC 6802 : Fair Credit Reporting Act * 15 USC 1692g : Fair Debt Collection Practices Act ( potential, if applicable ) * 18 USC 894 : Fraud and Related Activity in Connection with Identification Documents and Features * 18 USC 1692 : Fair Debt Collection Practices Act ( general provisions ) * 604 : Fair Credit Reporting Act ( specific provisions ) I am requesting that the CFPB order Experian to immediately correct the inaccuracies on my credit report, conduct a thorough investigation into my account, and provide written confirmation of the corrections. I am also requesting that Experian be required to place a fraud alert on my credit report to prevent further unauthorized inquiries. \n\nFurthermore, I am seeking monetary damages for the harm caused by Experian 's negligence and violation of my consumer rights. \n\nAdditionally, I am requesting that the CFPB compel Experian to provide detailed documentation regarding their verification process for the disputed accounts, including the names of individuals they contacted, the dates and times of those contacts, and the specific methods used to verify the authenticity of the information obtained. \n\nFurthermore, I am requesting that the CFPB investigate Experian 's failure to follow my written instructions regarding the dispute resolution process. Experian has repeatedly ignored my requests to correct the inaccuracies on my credit report, despite clear and concise instructions. This failure to comply with my written instructions is a further violation of my consumer rights. \n\nFinally, I am requesting that the CFPB order Experian to remove the fraud alert from my credit report. The fraud alert is no longer necessary and is causing me further financial hardship. \nEnclosed are copies of my previous correspondence with Experian, my credit report, and supporting documentation. I am available to provide any additional information that may be required. \n\nThank you for your prompt attention to this urgent matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-11T17:33:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30263","tags":null,"has_narrative":true,"complaint_id":"10091234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-11T17:15:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Furthermore, Experian 's persistent attempts to verify my <em>identity</em> by mailing documents to my current address, despite clear instructions to the contrary, constitutes a violation of my privacy rights and may be indicative of <em>identity</em> <em>theft</em> or fraud. This practice is in direct violation of 18 USC 1028A ( <em>Identity</em> <em>Theft</em> and Fraud )."]},"sort":[9.272427,"10091234"]},{"_index":"complaint-public-v1","_id":"10658251","_score":8.907495,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Current Bank regarding their mishandling and inadequate investigation of my recent fraud claim. I believe there has been a lack of due diligence, oversight, and communication from Currents end, resulting in the unjust denial of my claim for fraudulent transactions made between XX/XX/XXXX, and XX/XX/XXXX. I am seeking assistance from the CFPB to reopen and thoroughly review my case. \n\nBackground of the Incident XXXX XX/XX/XXXX, while hospitalized and completely incapacitated, my phone, wallet, identification, and bank card were stolen. I was unable to access my accounts or receive any notifications as I was physically unable to manage my affairs. The thief who stole my belongings quickly XXXX all security measures on my phone and Current account, including XXXX XXXX, two-factor authentication, and location services. These security measures were XXXX on XX/XX/XXXX, and the fraudulent transactions began immediately thereafter. This sequence of actions strongly suggests that the security features were deliberately bypassed by an unauthorized individual on that specific date to facilitate the fraudulent activity that followed. \n\nFraudulent Activity and Lack of Communication from Current The fraudulent charges on my Current account spanned from XX/XX/XXXX, to XX/XX/XXXX, yet due to my ongoing XXXX, I remained unaware of this unauthorized usage until I was finally discharged on XX/XX/XXXX. Upon noticing these transactions on XX/XX/XXXX, I promptly reported the activity to Currents customer service, initiating a fraud investigation and filing a dispute on these charges. \n\nDespite the serious nature of the case, I was informed by a customer service agent that Currents fraud investigation team would reach out to gather more information regarding my claim. Unfortunately, I received no further communication from Current, which I believe constitutes a significant lapse in their investigative process and customer communication obligations. After just XXXX days, I was informed that my case had been denied. Given the gravity of the claim and the available evidence, I find it highly concerning that Current denied my case in such a short timeframe, without a thorough investigation or additional contact with me. \n\nCurrents Lack of Due Diligence I believe Current failed to exercise due diligence in several critical ways : XXXX. Failure to Review Security Feature Changes : On the same date that my phone and wallet were stolen, all security measuresincluding Face ID, two-factor authentication, and location serviceswere XXXX on my phone and Current account. This timing directly correlates with the start of fraudulent transactions. A basic review of account settings would have clearly shown that security features were altered on XX/XX/XXXX, yet this key information was either overlooked or ignored in the investigation. There was also a dispute filed in XXXX that was unauthorized and NOT me the account owner. For what reason that was filed by the thief I dont know, but what I do know is that I called into the dispute center in XXXX to file my dispute, so my voice can be heard and verified and compared to whoever called in for the dispute in XXXX from XXXX. I also dont know if the thief called in to file that XXXX dispute or if they only used the app to file the dispute, that should have been investigated more so due to the fact I spoke with the agent over the phone and stated that the XXXX dispute was not from me and Id like if they can look into that as well. Adding onto that, there are also check deposits from MY unemployment benefits that was stolen and used without my authority not by someone I know but by someone who stole my information. As well as paycheck advances that are NOT authorized by me either dating back to XX/XX/XXXX. I stress this a XXXX times that ANY transactions whether it was adding money or removing money or anything else with the current account was NOT done by me as it was physically impossible for me to do so, being in the hospital and not having access to my wallet and phone due to it being taken. \n\nXXXX. Inadequate Investigation Timeline : The denial of my fraud claim in just XXXX days demonstrates a lack of attention to detail and due diligence on Currents part. Given the complexity of the case and the extensive evidence of unauthorized access, it is unreasonable that Current would close this case in such a brief period without contacting me for additional information. I submitted my own Patient Discharge Information which I dont even know Im allowed to do but I provided literal proof of an extended hospital stay at that time and discharge. Yet Current still determined me responsible.\n\n3. Lack of Communication : Despite assurances that I would be contacted, Current failed to reach out to gather crucial information regarding my hospitalization and incapacity, which are directly relevant to the validity of my claim. This lack of communication undermines the thoroughness and fairness of their investigative process.\n\n4. Failure to Recognize Consumer Protection Obligations : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions have an obligation to investigate claims of unauthorized transactions thoroughly and in good faith. I also understand that, per CFPB guidelines, financial institutions are required to act responsibly and proactively in cases of identity theft and account breaches. Currents inadequate response and communication fell short of these obligations, further demonstrating their lack of due diligence.\n\nThe Impact on Me as a Consumer The denial of my claim has caused significant distress, not only because I was incapacitated and unable to monitor my accounts but also due to the financial impact of these unauthorized charges. As someone who was hospitalized, I was entirely unaware of the transactions and unable to take preventive measures. Currents failure to conduct a thorough investigation has left me with no recourse for these substantial losses, despite clear indicators that unauthorized access occurred. \n\nRequested Resolution In light of the above, I am requesting that the CFPB intervene to have my case reopened and fully re-evaluated by Current. Specifically, I am seeking : XXXX. A full investigation into the changes made to my security settings on XX/XX/XXXX, which aligns with the start of the fraudulent transactions.\n\n2. Provisional credit for the unauthorized charges, as mandated under the Electronic Fund Transfer Act, to alleviate the financial burden until the case is resolved. \nXXXX. Improved communication and transparency from Current throughout the investigation, as I was denied updates and information on the status of my claim. \n\nI believe that a detailed review of my case, along with the sequence of events and evidence I am able to provide, will demonstrate that I was not responsible for the transactions in question and that Current failed to act with due diligence in their initial investigation. \n\nThank you for your attention and assistance in this matter. Please do not hesitate to contact me for any additional information.","date_sent_to_company":"2024-11-01T16:25:38.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"10658251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2024-11-01T16:11:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Failure to Recognize Consumer <em>Protection</em> Obligations : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions have an obligation to investigate claims of unauthorized transactions thoroughly and in good faith. I also understand that, per CFPB guidelines, financial institutions are required to act responsibly and proactively in cases of <em>identity</em> <em>theft</em> and account breaches."]},"sort":[8.907495,"10658251"]},{"_index":"complaint-public-v1","_id":"3413034","_score":7.6342406,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Reopening Claim : XXXX Initial Complaint : violates visa/us bankfraud protect garunt. not enough characters. Card was open just 3 months before I noticed ~2/3 of all transactions on this card ( via electronic statement access ) were fraudulent. The bank did not contact me in any capacity in just three months of rampant abuse when the card 's numbers were used out of state, internationally, repeatedly for the same charge and multiple charges a day from the same vendor, for mostly XXXX purchases not associated with my identity and out of state and country purchases made concurrent with in person charges i made in california. I can not quantify with any accuracy what % of credit was fraudulent, but with a balance of ~ {$6500.00}, knowing I made a 0 % transfer of $ 3K-5K ALSO ILLEGALLY UNDOCUMENTED BY US BANK, and with nr $ XXXX  in fraud, that's over 100 % fraud vs. legit transactions. I repeatedly called the fraud division and corporate offices to ask for full credit card forgiveness and was denied it by the 877 number and not allowed to connect with a corporate office professional at all.Compliant with the XXXX and US Banks 's false/unsubstantiated 24/7 protection compliance in reporting suspicious activity, I am entitled to for full card forgiveness AND DAMAGE, and with each supervisory call and each correction I found more mistakes in having to report that tripled the size of my 3-mo bill -- with more transactions to void than possibly can be validated in frequency and number of occurrences ' ; without a single flag -- in context of my credit cards always getting flagged even when I do give travel notice -- when the card was used internationally despite lists of suspicious XXXX activity, not even a red flag there. I was actually protected from all foreign transxn fees to my knowledge but even so, I received not one call or flag ever from US Bank or Visa. I canceled this fraudulent card and left it open compromising my security.\n\nUS Bank Response : Re : Consumer Financial Protection Bureau ( Case No. XXXX ) Dear Ms. XXXX : [! I ; jbank. \nusbank.com U.S. Bank has received your request for assistance from the Consumer Financial Protection Bureau. We appreciate the opportunity to respond to your concerns. \nIn your correspondence you express concerns regarding our effort to protect both our account holders and the bank, we have established fraud detection systems, which monitor authorization requests and transactions for every account. Certain criteria, including current fraud trends, locations of the transactions, the type of transactions, and authorization amounts may flag an account for potential fraud. In the majority of circumstances, this system is effective in preventing fraud. Although no bank error had occurred, we have elected to grant you a {$50.00} cash plus reward bonus to your account. This will be reflected on your next billing statement. \nOur records reflect that on XX/XX/XXXX, we initiated a fraud claim on transactions totaling {$800.00} made between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we issued provisional credits for the transactions totaling {$800.00} XXXX to your account, credited {$0.00} for the foreign transaction fees and mailed you the enclosed Statement of Fraud letter. Please note that provisional credits are provided with the understanding that if your claims are denied, our credits will be reversed. On XX/XX/XXXX, we added a transaction to your existing fraud claim for {$11.00} with the merchant XXXX XXXX XXXX, we issued provisional credit for the transaction, and mailed you the enclosed Statement of Fraud letter. We also sent you the enclosed letter advising you that we had concluded part of your fraud claim and the provisional credit that was issued totaling {$64.00} is now final. On XX/XX/XXXX, we sent you the enclosed letter informing you that we have concluded another part of your fraud claim and the provisional credit for {$540.00} is now permanent. On XX/XX/XXXX, we initiated a fraud case on transactions totaling {$960.00} plus a credit of {$110.00} for applicable interest and sent you the enclosed letter. On XX/XX/XXXX we sent you the enclosed letter advising that we have also concluded your fraud claim and the provisional credit totaling {$960.00} is now final. On XX/XX/XXXX, we sent the enclosed letter advising you that your remaining fraud case totaling {$210.00} had been resolved and the provisional credit is now final. \nIn your correspondence, you express concerns regarding a balance transfer. Our records indicate that on XX/XX/XXXX, we sent you the enclosed letter advising that the balance transfer that you had requested for {$10000.00} to XXXX was not processed due to Insufficient funds. At that time, you had a credit limit of {$3500.00}. On XX/XX/XXXX, we sent you the Creditor is U.S. Bank National Association, c/o U.S. Bancorp Service Center , Inc., XXXXXX/XX/XXXXXXXX, XXXX, ND XXXX ~ XXXX usbank.com enclosed letter advising that we approved a credit line increase to {$20000.00} that you had requested and but there were no new balance transfer requests. \nIn your correspondence, you also expressed concerns regarding the card not being closed when you called to report fraudulent activity on your account. After reviewing the telephone interaction, we can confirm that, you had asked the supervisor in the Fraud Department not to send you a new card as we could not send you documentation listing out all valid and frauduler transactions, other than a copy of a billing statement. The supervisor did not proceed with sending you a new card. If you would like to close your account, please contact the Customer Service department at the below phone number.\n\nPlease accept our apologies for any inconvenience this matter may have caused you. If you have further questions concerning your account, please contact our Cardmember Service Department at XXXX ( we accept relay calls ). \nSincerely, XXXX U.S. Bank Retail Payment Solutions Office of the President cc : Consumer Financial Protection Bureau Response to US Bank : The bank has not in anyway addressed to two key issues with card ; 1 ) 2/3 of card transactions were fraudulent and US Bank and Visa both provide/advertise the card as having premium security features. 3 months of illegal foreign transactions, out of state transactions, numerous transaction in a row with the same vendor, nothing was ever flagged for my attention as suspicious and I had to dispute and redispute each individual transaction when the Company and its Visa sponsor did nothing to protect my consumer identify and had no security clearly monitoring my card. My other cards wouldn't even work in another country, and sometimes don't when i do authorize. There is no security feature let along a premium as you advertise.\n\n2 ) I absolutely canceled the card due to the security breach. I asked not to send me another card because of the security breach and implied in that is I don't want another card, not keep my account open and not give me my card. You left my account open and exposed to identity theft after all that I had done to close the card and my account. \n\nFor the failure to have the technology and provide security coverage both US Bank and Visa claimed to have for this highest grade card -- clearly was not there and you left me exposed to more fraud for years.","date_sent_to_company":"2019-10-21T20:50:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11554","tags":null,"has_narrative":true,"complaint_id":"3413034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-10-21T20:19:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["You left my account open and exposed to <em>identity</em> <em>theft</em> after all that I had done to close the card and my account. \n\nFor the failure to have the technology and provide security coverage both US Bank and Visa claimed to have for this highest grade card -- clearly was not there and you left me exposed to more fraud for years."],"issue":["Other <em>features</em>, terms, or problems"]},"sort":[7.6342406,"3413034"]},{"_index":"complaint-public-v1","_id":"14829005","_score":7.2417135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPursuant to 15 USC 1692a ( 3 ) I am the cosmer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT.\n\nPursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.\n\nI Declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that Knowing and willful misstatement or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.\n\nThe items found within my credit report that | listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personal identifying information to apply for good, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC * * 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n* * 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( consumer right to vacy ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their gra sponsibilities with fairness, impartiality, and a respect for the consumer 's right to priva I have a right to privacy.\n\n* * 18 U.S. Code 1028A - Aggravated identity theft a ) Offenses.\n\n( 1 ) In general.\n\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\n( 2 ) Terrorism offense.\n\nloever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( wingly transfers, possesses, or uses, without lawful authority, a means of identification of anot person or a false identification document shall, in addition to the punishment provided for such elony, be sentenced to a term of imprisonment of 5 years.\n\n* * 18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstances described in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or se of 1 or more means of identification if, as a result of the offense obtains anything of vali ggregating {$1000.00} or more during any 1-year perio * * 12 CFR. 1022.3 and r pertin heft measa fraud commited or attempted using the identifying information of You Violated The United States Code Law 15 U.S. Code 1666b. Timing of 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. \nThis seas is in iting if XXXX dir, XXXX They Were to notty me of his vaiting days ebt. Therefore, the following accounts must be deleted from my report. Your Register gent also recieved Notice XXXX XXXX XXXX and Noitce of Default with opportunity Notice to all, I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have en developed to uphold a consumer 's credit worthiness, credit standing, credit capacity, charac d most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission or written instructions this is a volation of federal law pursuant to 15 usc 1681b. I want these accounts deleted immediately. \nThe accounts are listed below : XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks XX/XX/XXXX Experian XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax Also , a credit report that reflect updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( ( ) ( 1 ) ( ii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated Identity Theft 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting 10. ) United States Code Law 15 U.S. Code 1666b. Timing of payments My contact information is as follows : ( XXXX ) XXXX ) { XXXX thornwood place XXXX pa XXXX } XXXX : ( XXXX ) XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CXXXX XXXX XXXX XXXX  -. XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance","date_sent_to_company":"2025-07-23T22:51:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19154","tags":null,"has_narrative":true,"complaint_id":"14829005","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-23T22:50:46.000Z","state":"PA","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":["Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of <em>Identity</em> Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated <em>Identity</em> <em>Theft</em> 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S."]},"sort":[7.2417135,"14829005"]},{"_index":"complaint-public-v1","_id":"14835522","_score":7.228467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPursuant to 15 USC 1692a ( 3 ) I am the cosmer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT.\n\nPursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.\n\nI Declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that Knowing and willful misstatement or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.\n\nThe items found within my credit report that | listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personal identifying information to apply for good, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC * * 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n* * 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( consumer right to vacy ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their gra sponsibilities with fairness, impartiality, and a respect for the consumer 's right to priva I have a right to privacy.\n\n* * 18 U.S. Code 1028A - Aggravated identity theft a ) Offenses.\n\n( 1 ) In general.\n\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\n( 2 ) Terrorism offense.\n\nloever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( wingly transfers, possesses, or uses, without lawful authority, a means of identification of anot person or a false identification document shall, in addition to the punishment provided for such elony, be sentenced to a term of imprisonment of 5 years.\n\n* * 18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstances described in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or se of 1 or more means of identification if, as a result of the offense obtains anything of vali ggregating {$1000.00} or more during any 1-year perio * * 12 CFR. 1022.3 and r pertin heft measa fraud commited or attempted using the identifying information of You Violated The United States Code Law 15 U.S. Code 1666b. Timing of 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. \nThis seas is in iting if XXXX dir, XXXX They Were to notty me of his vaiting days ebt. Therefore, the following accounts must be deleted from my report. Your Register gent also recieved Notice XXXX XXXX XXXX and Noitce of Default with opportunity Notice to all, I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have en developed to uphold a consumer 's credit worthiness, credit standing, credit capacity, charac d most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission or written instructions this is a volation of federal law pursuant to 15 usc 1681b. I want these accounts deleted immediately. \nThe accounts are listed below : XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks XX/XX/XXXX Experian XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax Also , a credit report that reflect updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( ( ) ( 1 ) ( ii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated Identity Theft 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting 10. ) United States Code Law 15 U.S. Code 1666b. Timing of payments My contact information is as follows : ( XXXX ) XXXX ) { XXXX thornwood place XXXX pa XXXX } XXXX : ( XXXX ) XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CXXXX XXXX XXXX XXXX  -. XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance","date_sent_to_company":"2025-07-23T22:51:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19154","tags":null,"has_narrative":true,"complaint_id":"14835522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-23T21:59:23.000Z","state":"PA","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":["Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of <em>Identity</em> Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated <em>Identity</em> <em>Theft</em> 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S."]},"sort":[7.228467,"14835522"]},{"_index":"complaint-public-v1","_id":"14821469","_score":7.2083235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPursuant to 15 USC 1692a ( 3 ) I am the cosmer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT.\n\nPursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.\n\nI Declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that Knowing and willful misstatement or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.\n\nThe items found within my credit report that | listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personal identifying information to apply for good, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC * * 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n* * 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( consumer right to vacy ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their gra sponsibilities with fairness, impartiality, and a respect for the consumer 's right to priva I have a right to privacy.\n\n* * 18 U.S. Code 1028A - Aggravated identity theft a ) Offenses.\n\n( 1 ) In general.\n\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\n( 2 ) Terrorism offense.\n\nloever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( wingly transfers, possesses, or uses, without lawful authority, a means of identification of anot person or a false identification document shall, in addition to the punishment provided for such elony, be sentenced to a term of imprisonment of 5 years.\n\n* * 18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstances described in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or se of 1 or more means of identification if, as a result of the offense obtains anything of vali ggregating {$1000.00} or more during any 1-year perio * * 12 CFR. 1022.3 and r pertin heft measa fraud commited or attempted using the identifying information of You Violated The United States Code Law 15 U.S. Code 1666b. Timing of 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. \nThis seas is in iting if XXXX dir, XXXX They Were to notty me of his vaiting days ebt. Therefore, the following accounts must be deleted from my report. Your Register gent also recieved Notice XXXX XXXX XXXX and Noitce of Default with opportunity Notice to all, I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have en developed to uphold a consumer 's credit worthiness, credit standing, credit capacity, charac d most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission or written instructions this is a volation of federal law pursuant to 15 usc 1681b. I want these accounts deleted immediately. \nThe accounts are listed below : XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks XX/XX/XXXX Experian XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax Also , a credit report that reflect updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( ( ) ( 1 ) ( ii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated Identity Theft 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting 10. ) United States Code Law 15 U.S. Code 1666b. Timing of payments My contact information is as follows : ( XXXX ) XXXX ) { XXXX thornwood place XXXX pa XXXX } XXXX : ( XXXX ) XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CXXXX XXXX XXXX XXXX  -. XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance","date_sent_to_company":"2025-07-23T22:51:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19154","tags":null,"has_narrative":true,"complaint_id":"14821469","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T22:50:46.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of <em>Identity</em> Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated <em>Identity</em> <em>Theft</em> 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S."]},"sort":[7.2083235,"14821469"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":31,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":31}]}},"product":{"doc_count":31,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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