{"took":165,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1902,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17080119","_score":17.518627,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Bank of America regarding the mishandling of an identity theft case involving multiple fraudulent accounts and transactions. \n\nIn this case, Bank of America has already acknowledged and approved part of my fraud claim totaling {$20000.00}, confirming that I was the victim of identity theft. However, a separate claim for approximately {$7000.00}, which is part of the same identity theft incident, was wrongfully denied by the same investigations team despite the fact that all the fraudulent activity originated from the same source and time period. \n\nThis decision makes no logical or procedural sense. The same evidence, same fraudulent party, and same stolen identity led to both sets of transactions. Yet, for reasons that remain unclear, Bank of America has chosen to approve one portion of my case while denying the rest.\n\nI have repeatedly explained to their claims department that : I did not open the account ( s ) in question.\n\nI did not authorize any of the disputed transactions.\n\nThis was a case of identity theft, not merchant error or chargeback dispute.\n\nDespite providing evidence and repeatedly clarifying that this is not a merchant issue but a criminal identity theft case, the Bank of America team continues to mishandle the investigation going back to the merchant instead of escalating internally or closing the case properly under federal fraud regulations ( Regulation E / Regulation Z, depending on the account type ).\n\nIt appears the current team reviewing my case is ignoring material evidence and not properly documenting the identity theft pattern already confirmed in their own system. I am requesting that a new investigative team or supervisor be assigned to review the entire case file in full context including the previously approved {$20000.00} claim that is directly related to this same incident. \n\nI am asking the CFPB to intervene to ensure that : Bank of America assigns a new, unbiased investigation team. \n\nThe remaining {$7000.00} claim is reviewed and reimbursed in accordance with the Identity Theft and Fair Credit Billing Act protections. \n\nThe bank documents this as one continuous fraud case, not separate, unrelated incidents.\n\nThe ongoing denial of clear fraud evidence has caused unnecessary stress, time loss, and financial harm. I have acted in full cooperation and provided documentation proving this was identity theft. I simply need Bank of America to complete their obligations fairly and consistently.","date_sent_to_company":"2025-11-06T12:26:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93101","tags":null,"has_narrative":true,"complaint_id":"17080119","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-06T12:01:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing a complaint against Bank of America regarding the mishandling of an <em>identity</em> <em>theft</em> <em>case</em> involving multiple fraudulent accounts and transactions. \n\nIn this <em>case</em>, Bank of America has already acknowledged and approved part of my fraud claim totaling {$20000.00}, <em>confirming</em> that I was the victim of <em>identity</em> <em>theft</em>."]},"sort":[17.518627,"17080119"]},{"_index":"complaint-public-v1","_id":"18507858","_score":17.01001,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this statement in connection with a * * new CFPB complaint * *, as my prior CFPB case, * * Case No. XXXX * *, has been closed. This submission is not a continuation of that prior case, but a new complaint based on ongoing concerns related to inaccurate credit reporting, unresolved identity theft issues, and the continued furnishing of disputed information despite pending investigations and formal identity theft documentation. \n\n# # # Background and Prior CFPB Case Previously, I submitted CFPB Case No. * * XXXX * * to address concerns regarding the accuracy of information being furnished by Ally Bank to the consumer credit reporting agencies. In response, Ally Bank provided an explanation asserting that the information being reported was accurate and declined to request deletion of the tradeline. Ally further stated that, upon receipt of my correspondence, it had opened a case to review claims of identity theft and that the investigation was ongoing, with a separate response to be provided once the investigation concluded.\n\nThat CFPB case has since been marked * * closed * *, despite the fact that Ally Banks own response confirms that its identity theft investigation was not complete at the time of closure. As a result, the underlying issues raised in that complaint were not substantively resolved, and no final determination regarding the identity theft claim or the continued accuracy of the tradeline was provided to me before the case was closed.\n\n# # # Filing of FTC Identity Theft Report Since the closure of the prior CFPB case, I have taken additional formal steps to document and report the identity theft issues associated with this account. Specifically, I have * * filed an Identity Theft Report with the Federal Trade Commission ( FTC ) * * through IdentityTheft.gov. This report details the fraudulent use of my personal identifying information and constitutes an official identity theft report under applicable federal law.\n\nThe FTC Identity Theft Report was filed in good faith and includes sworn statements regarding the unauthorized nature of the account activity and/or the misuse of my identity. This report was created to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to provide creditors and furnishers with formal notice of identity theft, triggering their statutory obligations under federal law.\n\n# # # Purpose of This New CFPB Case This new CFPB case is being filed to address the following unresolved and ongoing concerns : 1. * * Continued Credit Reporting During a Pending Identity Theft Investigation * * Ally Bank acknowledged in writing that an identity theft investigation was opened and that the investigation was still ongoing. Despite this acknowledgment, the tradeline has continued to be reported to consumer credit reporting agencies without correction, deletion, or meaningful interim relief.\n\n2. * * Lack of Final Determination or Resolution * * At no point was I provided with a final written determination concluding the identity theft investigation or explaining how Ally Bank evaluated the evidence related to identity theft. Instead, the prior CFPB case was closed while the investigation was still pending, leaving the matter unresolved.\n\n3. * * Failure to Address FTC Identity Theft Documentation * * The filing of an FTC Identity Theft Report materially changes the posture of this matter. This documentation provides formal, federally recognized evidence of identity theft, which requires careful review and appropriate action by any furnisher continuing to report the disputed account.\n\n4. * * Ongoing Harm From Continued Furnishing * * The continued reporting of this tradeline has caused and continues to cause harm, including damage to my credit profile, interference with my ability to obtain credit on fair terms, and emotional distress associated with unresolved identity theft.\n\n# # # Legal and Regulatory Considerations Under the Fair Credit Reporting Act ( FCRA ), furnishers of information to consumer reporting agencies have a duty to ensure that information reported is accurate and complete. When a consumer reports identity theft and provides supporting documentation, including an FTC Identity Theft Report, furnishers are required to conduct a reasonable investigation and to cease reporting information that is the result of identity theft.\n\nAdditionally, when a dispute involves identity theft, furnishers must not continue to furnish information that they know or should know is inaccurate or unverifiable. Reporting disputed information without resolving identity theft claims undermines the integrity of consumer credit reporting and defeats the purpose of consumer protections enacted by Congress.\n\nThis new CFPB complaint is therefore not merely a disagreement with Ally Banks prior explanation but a request for regulatory oversight to ensure that statutory obligations are met and that identity theft claims are handled appropriately, thoroughly, and fairly.\n\n# # # Request for Fair Resolution A fair and reasonable resolution to this matter includes, but is not limited","date_sent_to_company":"2026-01-06T19:40:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"63376","tags":null,"has_narrative":true,"complaint_id":"18507858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-01-06T19:34:10.000Z","state":"MO","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["Ally further stated that, upon receipt of my correspondence, it had opened a <em>case</em> to review claims of <em>identity</em> <em>theft</em> and that the <em>investigation</em> was ongoing, with a separate response to be provided once the <em>investigation</em> concluded.\n\nThat CFPB <em>case</em> has since been marked * * closed * *, despite the fact that Ally Banks own response <em>confirms</em> that its <em>identity</em> <em>theft</em> <em>investigation</em> was not complete at the time of closure."]},"sort":[17.01001,"18507858"]},{"_index":"complaint-public-v1","_id":"17761789","_score":16.926632,"_source":{"product":"Debt collection","complaint_what_happened":"I discovered that LVNV Funding LLC was reporting XXXX large collection accounts under my identity : {$32000.00} allegedly tied to XXXX XXXX  XXXX. \n{$110000.00} allegedly tied to XXXX XXXX XXXX. \n\nThese debts do not belong to me. I never opened, applied for, or authorized any account with XXXX XXXX  XXXX. or XXXX XXXX XXXX. \n\nI am a confirmed victim of identity theft in an active federal criminal investigation. The FBI formally identified me as a victim under Case Number XXXX, and the U.S. Department of Justice issued victim notifications confirming the case. I have also filed an official FTC Identity Theft Report. \n\nI notified LVNVs furnishers and the credit bureaus that these accounts resulted from identity theft. Despite this, LVNV continued to report these debts to the credit bureaus, which has damaged my credit and prevented the correction of my consumer report. \n\nUnder FDCPA 809 ( b ) and FCRA 605B, LVNV is required to : Stop reporting identity-theft-related accounts Cease collection activity Notify the credit bureaus to delete the fraudulent information Provide validation, which they have not done I am requesting CFPB assistance to ensure LVNV : Deletes both fraudulent accounts from all credit bureaus Stops all collection activity Marks the accounts as identity theft Confirms in writing that the accounts will not be resold, reassigned, or reinserted These debts were created through identity theft, and LVNV has continued reporting them despite being notified and provided with federal victim documentation.","date_sent_to_company":"2025-12-05T04:12:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"079XX","tags":null,"has_narrative":true,"complaint_id":"17761789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-12-05T02:56:08.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Department of Justice issued victim notifications <em>confirming</em> the <em>case</em>. I have also filed an official FTC <em>Identity</em> <em>Theft</em> Report. \n\nI notified LVNVs furnishers and the credit bureaus that these accounts resulted from <em>identity</em> <em>theft</em>. Despite this, LVNV continued to report these debts to the credit bureaus, which has damaged my credit and prevented the correction of my consumer report."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[16.926632,"17761789"]},{"_index":"complaint-public-v1","_id":"16230478","_score":16.839209,"_source":{"product":"Debt collection","complaint_what_happened":"These accounts are not mine. I have never opened an account with this creditor, and I believe this may be a case of mistaken identity, merged credit file, or potential identity theft.\n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or unverifiable. Please provide me with the results of your investigation in writing.\n\nPlease complete your investigation within the 30-day timeframe as required by the FCRA and confirm the removal of any inaccurate information.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-09-28T19:44:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"16230478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2025-09-28T19:34:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have never opened an account with this creditor, and I believe this may be a <em>case</em> of mistaken <em>identity</em>, merged credit file, or potential <em>identity</em> <em>theft</em>.\n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you <em>investigate</em> these items and remove them from my credit report if they are found to be inaccurate or unverifiable. Please provide me with the results of your <em>investigation</em> in writing."]},"sort":[16.839209,"16230478"]},{"_index":"complaint-public-v1","_id":"17123845","_score":16.484413,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally file a complaint against TD Bank, N.A., regarding their failure to properly investigate and refund multiple fraudulent transactions on my personal account, despite providing extensive documentation and verification of identity theft. \n\nIn XX/XX/year>, I reported several unauthorized transactions that occurred while I was undergoing serious medical treatment and was medically incapacitated. These transactions were not authorized by me, and I immediately notified TD Banks fraud department. I also filed a police report, submitted documentation from my physician confirming my medical incapacity, and provided a letter from my attorney confirming that I was a verified victim of identity theft. \n\nDespite this, TD Bank has repeatedly denied my claims and failed to credit my account for the stolen funds. Their actions contradict federal consumer protection standards and the obligations of financial institutions under the FDIC and Regulation E ( Electronic Fund Transfers Act ), which clearly state that banks must promptly investigate and resolve unauthorized electronic transactions once reported in good faith.\n\nThis failure has caused me significant XXXX XXXX financial hardship, and additional health strain. I am requesting the Division of Consumer Affairs to review this case, investigate TD Banks handling of my fraud claims, and ensure that my funds are reimbursed as required by law. \n\nAttached for your review are : Copy of the police report filed with the XXXX XXXX XXXX XXXX  Medical documentation confirming incapacity during the time of the transactions IRS identity theft acknowledgment letter Attorney correspondence verifying the ongoing legal review Relevant communications with TD Bank ( case # XXXX ) I respectfully ask that your office contact TD Bank to ensure compliance with FDIC consumer protection laws and that I be made whole for the financial losses resulting from their negligence.\n\nThank you for your attention to this matter. I appreciate your assistance and will cooperate fully with any investigation or additional documentation you may require.","date_sent_to_company":"2025-11-09T18:08:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17123845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-11-09T18:01:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I also filed a police report, submitted documentation from my physician <em>confirming</em> my medical incapacity, and provided a letter from my attorney <em>confirming</em> that I was a verified victim of <em>identity</em> <em>theft</em>. \n\nDespite this, TD Bank has repeatedly denied my claims and failed to credit my account for the stolen funds."]},"sort":[16.484413,"17123845"]},{"_index":"complaint-public-v1","_id":"21115584","_score":16.355354,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting a follow-up complaint regarding Sezzles prior response to my CFPB case, which did not address the core issue of my dispute.\n\nMy concern is not simply about the accuracy of reported payment history, but whether the account and associated activity have been correctly attributed to me. \n\nIn my previous complaint, I submitted substantial documentation, including : An FTC Identity Theft Report A notarized affidavit confirming identity misuse A bank fraud investigation outcome confirming unauthorized transactions These documents were provided to support my claim that I did not create or authorize the account or certain activity associated with it. \nHowever, Sezzles response focused only on payment history and credit reporting, and did not acknowledge or address any of the identity theft documentation I provided. They also did not explain how my identity was verified or how the account was linked to me.\n\nI am concerned that inaccurate or improperly matched consumer data may have been used in this determination, which I have not been given the opportunity to review or dispute.","date_sent_to_company":"2026-04-10T02:00:02.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"774XX","tags":null,"has_narrative":true,"complaint_id":"21115584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2026-04-10T01:52:03.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In my previous complaint, I submitted substantial documentation, including : An FTC <em>Identity</em> <em>Theft</em> Report A notarized affidavit <em>confirming</em> <em>identity</em> misuse A bank fraud <em>investigation</em> outcome <em>confirming</em> unauthorized transactions These documents were provided to support my claim that I did not create or authorize the account or certain activity associated with it."]},"sort":[16.355354,"21115584"]},{"_index":"complaint-public-v1","_id":"12462517","_score":16.27275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Request for Reinvestigation under FCRA 611 Dear TransUnion Consumer Dispute Center I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate and potentially fraudulent accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). We believe these inaccuracies are a result of identity theft, and your agency 's failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX -- I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. \n\nHowever, in response, your agency has simply stated that the accounts in question were \" verified '' without supplying the actual sources or evidence relied upon for this verification. \n\nThis failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.\n\nFCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. \n\nConfirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items. \n\nSupporting Case Law for Compliance with FCRA Requirements Several case laws emphasize the importance of thorough and transparent investigations by consumer reporting agencies when handling disputes and identity theft claims : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this case, the court held that consumer reporting agencies are required to conduct a \" reasonable reinvestigation '' of disputed information. A superficial verification process without genuine investigation, as appears to be the case here, constitutes non-compliance with the FCRA and exposes the agency to liability. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court highlighted that a consumer reporting agency 's failure to verify disputed information in a manner that ensures maximum possible accuracy is a breach of its FCRA obligations. In this instance, failing to validate the origin and accuracy of the information violates the accuracy standard the FCRA demands. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reaffirmed that credit reporting agencies have an obligation to ensure maximum possible accuracy and to act with transparency in reporting, especially when handling identity theft-related disputes. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The court emphasized that failure to conduct a reasonable investigation upon notice of a consumer dispute could lead to agency liability under the FCRA. This standard underscores the agency 's responsibility to investigate and verify sources with accuracy and fairness. \n\nDemand for Compliance and Notice of Potential Legal Action In light of the above case law and statutory obligations under the FCRA, I formally demand that your agency : Conduct a comprehensive reinvestigation of all disputed accounts associated with the prior identity theft complaint. \n\nProvide detailed documentation of all sources of information used in your verification, including specific furnishers or third-party entities. \n\nConfirm whether the FTC was contacted and whether due diligence was followed in accordance with my identity theft affidavit. \n\nPlease confirm compliance with this request within 15 days of receipt of this letter. Failure to comply with the FCRA and provide a satisfactory response may result in me pursuing all available legal remedies and seeking damages in federal court for any harm resulting from inaccuracies on my credit report. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue fairly and expeditiously in accordance with the FCRA.","date_sent_to_company":"2025-03-13T07:48:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"12462517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-13T07:25:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We believe these inaccuracies are a result of <em>identity</em> <em>theft</em>, and your agency 's failure to properly <em>investigate</em> this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX -- I submitted a complaint concerning several accounts on my credit report, citing <em>identity</em> <em>theft</em>. I have followed all necessary procedures, including providing a valid <em>identity</em> <em>theft</em> affidavit, to prompt a complete and thorough <em>investigation</em>."]},"sort":[16.27275,"12462517"]},{"_index":"complaint-public-v1","_id":"11698194","_score":16.262877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/XXXX. XXXX To : Experian Credit Reporting Agency Re : Formal Dispute and Request for Reinvestigation under FCRA 611 Dear Experian, I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate and potentially fraudulent accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). We believe these inaccuracies are a result of identity theft, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX, I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. \n\nHowever, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.\n\nFCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.\n\nConfirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items. \nSupporting Case Law for Compliance with FCRA Requirements Several case laws emphasize the importance of thorough and transparent investigations by consumer reporting agencies when handling disputes and identity theft claims : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : In this case, the court held that consumer reporting agencies are required to conduct a \" reasonable reinvestigation '' of disputed information. A superficial verification process without genuine investigation, as appears to be the case here, constitutes non-compliance with the FCRA and exposes the agency to liability. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : The court highlighted that a consumer reporting agencys failure to verify disputed information in a manner that ensures maximum possible accuracy is a breach of its FCRA obligations. In this instance, failing to validate the origin and accuracy of the information violates the accuracy standard the FCRA demands. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) : This case reaffirmed that credit reporting agencies have an obligation to ensure maximum possible accuracy and to act with transparency in reporting, especially when handling identity theft-related disputes. \nXXXX v. XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court emphasized that failure to conduct a reasonable investigation upon notice of a consumer dispute could lead to agency liability under the FCRA. This standard underscores the agencys responsibility to investigate and verify sources with accuracy and fairness. \nDemand for Compliance and Notice of Potential Legal Action In light of the above case law and statutory obligations under the FCRA, I formally demand that your agency : Conduct a comprehensive reinvestigation of all disputed accounts associated with the prior identity theft complaint. \nProvide detailed documentation of all sources of information used in your verification, including specific furnishers or third-party entities. \nConfirm whether the FTC was contacted and whether due diligence was followed in accordance with my identity theft affidavit. \nPlease confirm compliance with this request within 15 days of receipt of this letter. Failure to comply with the FCRA and provide a satisfactory response may result in me pursuing all available legal remedies and seeking damages in federal court for any harm resulting from inaccuracies on my credit report. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue fairly and expeditiously in accordance with the FCRA. \n\nSincerely, XXXX XXXX Without Recourse UCC 1-308","date_sent_to_company":"2025-01-23T16:23:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"11698194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T16:09:05.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We believe these inaccuracies are a result of <em>identity</em> <em>theft</em>, and your agencys failure to properly <em>investigate</em> this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX, I submitted a complaint concerning several accounts on my credit report, citing <em>identity</em> <em>theft</em>. I have followed all necessary procedures, including providing a valid <em>identity</em> <em>theft</em> affidavit, to prompt a complete and thorough <em>investigation</em>."]},"sort":[16.262877,"11698194"]},{"_index":"complaint-public-v1","_id":"16757376","_score":16.256226,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Ongoing mishandling of identity theft claim partial credit issued, remaining claims wrongfully denied Summary : My identity was stolen in XXXX, and a fraudulent XXXX XXXX account was opened in my name without my authorization. The perpetrators linked this fake XXXX account to my Bank of America checking account, and for approximately a year and a half, funds were withdrawn to pay that fraudulent XXXX bill. \n\nOn XX/XX/XXXX, I formally notified Bank of America of the fraud and submitted all supporting documentation, including : My FTC Identity Theft Report My police report Copies of correspondence with XXXX XXXX confirming the account was not mine Evidence showing multiple unauthorized debits connected to the same fraudulent XXXX account Because the total disputed amount was large ( approximately {$42000.00} ), Bank of America split the claim into XXXX separate cases. However, this appears to have caused confusion internally only XXXX of the XXXX claims were credited, while the remaining XXXX were denied, even though all XXXX involve the same identity theft case, same fraudulent vendor, and same time period. \n\nIn my communications with Bank of America, Ive made it clear that : The fraudulent transactions are all part of a single, ongoing identity theft incident. \n\nThe same police report and FTC identity theft documentation apply to all related claims. \n\nThe bank has already acknowledged the fraud by crediting a portion of the disputed transactions. \n\nTherefore, it is inconsistent and unreasonable to deny the remaining claims tied to the same fraud. \n\nIt also appears that my documentation was not routed properly during the review process. Some investigators seem to have evaluated the later claims as if they were normal billing disputes, not identity theft claims which violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation E requirements for handling unauthorized electronic fund transfers. I am writing to formally dispute the inconsistent handling of my identity theft claims with Bank of America. My identity was stolen in XXXX, and a fraudulent XXXX XXXX account was opened in my name without my authorization. Over the course of approximately a year and a half, funds were withdrawn from my Bank of America checking account to pay this fraudulent XXXX bill. \n\nOn XX/XX/XXXX, I notified Bank of America about the fraud and submitted all necessary documentation, including my FTC Identity Theft Report, police report, and supporting evidence showing that these transactions were unauthorized and connected to the same fraudulent XXXX XXXX account. \n\nBecause of the total amount involved ( approximately {$42000.00} ), Bank of America divided the case into XXXX separate claims : Approved Claims : [ XXXX ] [ XXXX ] Denied Claims : [ XXXX ] [ XXXX ] I have attached documentation confirming that XXXX of these claims were approved and reimbursed, while the other XXXX were deniedeven though all XXXX stem from the exact same identity theft incident, same fraudulent account, and same period of unauthorized activity. \n\nThis inconsistency strongly suggests that my case was not handled cohesively or reviewed by the appropriate identity theft team. It appears that the denied claims may have been processed as ordinary transaction disputes, rather than as part of a larger identity theft investigation. \n\nI want to emphasize that this is not a billing dispute. There is nothing XXXX XXXX can verify or approve because the account in question was not opened by me. It was a fraudulent account used to siphon money from my checking account, and therefore, any reliance on merchant data from XXXX is irrelevant and contrary to the facts and federal identity theft protections. \n\nTo support my case, I have attached : Documentation of the denial letters for the XXXX disputed claims. \n\nDocumentation showing the approval and reimbursement of the other XXXX claims related to the same fraud. \n\nMy FTC Identity Theft Report, police report, and supporting correspondence. \n\nGiven that the same fraudulent account and set of transactions were involved, it is unreasonable for Bank of America to approve half of the claims while denying the others. I respectfully request that the remaining denied claims be reopened and credited, and that all related cases be consolidated under XXXX identity theft file to ensure proper handling in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation E.\n\nPlease confirm that this case has been escalated to the appropriate identity theft or executive resolution team, and that my documentation has been fully reviewed.","date_sent_to_company":"2025-10-22T12:29:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93101","tags":null,"has_narrative":true,"complaint_id":"16757376","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-22T12:02:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I respectfully request that the remaining denied claims be reopened and credited, and that all related <em>cases</em> be consolidated under XXXX <em>identity</em> <em>theft</em> file to ensure proper handling in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation E.\n\nPlease <em>confirm</em> that this <em>case</em> has been escalated to the appropriate <em>identity</em> <em>theft</em> or executive resolution team, and that my documentation has been fully reviewed."]},"sort":[16.256226,"16757376"]},{"_index":"complaint-public-v1","_id":"12465853","_score":16.249174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Request for Reinvestigation under FCRA 611 Dear Experian Consumer Dispute Center I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate and potentially fraudulent accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). We believe these inaccuracies are a result of identity theft, and your agency 's failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX -- I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. \nHowever, in response, your agency has simply stated that the accounts in question were \" verified '' without supplying the actual sources or evidence relied upon for this verification.\n\nThis failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.\n\nFCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.\n\n2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.\n\nSupporting Case Law for Compliance with FCRA Requirements Several case laws emphasize the importance of thorough and transparent investigations by consumer reporting agencies when handling disputes and identity theft claims : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : In this case, the court held that consumer reporting agencies are required to conduct a \" reasonable reinvestigation '' of disputed information. A superficial verification process without genuine investigation, as appears to be the case here, constitutes non-compliance with the FCRA and exposes the agency to liability. \nXXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court highlighted that a consumer reporting agency 's failure to verify disputed information in a manner that ensures maximum possible accuracy is a breach of its FCRA obligations. In this instance, failing to validate the origin and accuracy of the information violates the accuracy standard the FCRA demands. \nXXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : This case reaffirmed that credit reporting agencies have an obligation to ensure maximum possible accuracy and to act with transparency in reporting, especially when handling identity theft-related disputes. \nXXXX. XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court emphasized that failure to conduct a reasonable investigation upon notice of a consumer dispute could lead to agency liability under the FCRA. This standard underscores the agency 's responsibility to investigate and verify sources with accuracy and fairness. \n\nDemand for Compliance and Notice of Potential Legal Action In light of the above case law and statutory obligations under the FCRA, I formally demand that your agency : 1. Conduct a comprehensive reinvestigation of all disputed accounts associated with the prior identity theft complaint.\n\n2. Provide detailed documentation of all sources of information used in your verification, including spec\nific furnishers or third-party entities.\n\n3. Confirm whether the FTC was contacted and whether due diligence was followed in accordance with my identity theft affidavit.\n\nPlease confirm compliance with this request within 15 days of receipt of this letter. Failure to comply with the FCRA and provide a satisfactory response may result in me pursuing all available legal remedies and seeking damages in federal court for any harm resulting from inaccuracies on my credit report. \nThank you for your prompt attention to this matter. I look forward to resolving this issue fairly and expeditiously in accordance with the FCRA.","date_sent_to_company":"2025-03-14T00:08:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"12465853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-13T23:56:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Confirm</em> whether your agency contacted the Federal Trade Commission ( FTC ) regarding the <em>identity</em> <em>theft</em> affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.\n\nSupporting <em>Case</em> Law for Compliance with FCRA Requirements Several <em>case</em> laws emphasize the importance of thorough and transparent <em>investigations</em> by consumer reporting agencies when handling disputes and <em>identity</em> <em>theft</em> claims : XXXX."]},"sort":[16.249174,"12465853"]},{"_index":"complaint-public-v1","_id":"12462144","_score":16.249174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute and Request for Reinvestigation under FCRA 611 Dear Equifax Consumer Dispute Center I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate and potentially fraudulent accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). We believe these inaccuracies are a result of identity theft, and your agency 's failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX -- I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. \n\nHowever, in response, your agency has simply stated that the accounts in question were \" verified '' without supplying the actual sources or evidence relied upon for this verification. \n\nThis failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.\n\nFCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.\n\nConfirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items. \nSupporting Case Law for Compliance with FCRA Requirements Several case laws emphasize the importance of thorough and transparent investigations by consumer reporting agencies when handling disputes and identity theft claims : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : In this case, the court held that consumer reporting agencies are required to conduct a \" reasonable reinvestigation '' of disputed information. A superficial verification process without genuine investigation, as appears to be the case here, constitutes non-compliance with the FCRA and exposes the agency to liability. \n\nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : The court highlighted that a consumer reporting agency 's failure to verify disputed information in a manner that ensures maximum possible accuracy is a breach of its FCRA obligations. In this instance, failing to validate the origin and accuracy of the information violates the accuracy standard the FCRA demands. \n\nXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : This case reaffirmed that credit reporting agencies have an obligation to ensure maximum possible accuracy and to act with transparency in reporting, especially when handling identity theft-related disputes. \n\nXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court emphasized that failure to conduct a reasonable investigation upon notice of a consumer dispute could lead to agency liability under the FCRA. This standard underscores the agency 's responsibility to investigate and verify sources with accuracy and fairness. \n\nDemand for Compliance and Notice of Potential Legal Action In light of the above case law and statutory obligations under the FCRA, I formally demand that your agency : Conduct a comprehensive reinvestigation of all disputed accounts associated with the prior identity theft complaint. \n\nProvide detailed documentation of all sources of information used in your verification, including specific furnishers or third-party entities. \n\nConfirm whether the FTC was contacted and whether due diligence was followed in accordance with my identity theft affidavit. \n\nPlease confirm compliance with this request within 15 days of receipt of this letter. Failure to comply with the FCRA and provide a satisfactory response may result in me pursuing all available legal remedies and seeking damages in federal court for any harm resulting from inaccuracies on my credit report. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue fairly and expeditiously in accordance with the FCRA.","date_sent_to_company":"2025-03-13T08:06:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"12462144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-13T07:53:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We believe these inaccuracies are a result of <em>identity</em> <em>theft</em>, and your agency 's failure to properly <em>investigate</em> this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/XXXX -- I submitted a complaint concerning several accounts on my credit report, citing <em>identity</em> <em>theft</em>. I have followed all necessary procedures, including providing a valid <em>identity</em> <em>theft</em> affidavit, to prompt a complete and thorough <em>investigation</em>."]},"sort":[16.249174,"12462144"]},{"_index":"complaint-public-v1","_id":"14746930","_score":16.214808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As part of a recent string of disputes, I provided Trans Union, Equifax, and Experian with information to verify that I had filed a police report for identity theft. I gave them the reporting officers information to verify the report had been filed. 60+ days after sending them this information, I found out that Trans Union rejected my dispute without even doing an investigation. In this case, they were sloppy and lazy. Because all you have to do is contact the police department or officer who filed the report to confirm this. I have contacted them many times since, asking why they did not even conduct an investigation. No one is able to provide an answer ( essentially admitting they did not even conduct an investigation ). I have submitted the officer 's number to them on several different disputes. The investigation into my ID theft is continuing. But Trans Union never contacted them to verify that I had even FILED the report. How can they do this? They seem intent in ruining people 's lives, not reporting accurate information. They have violated too many FCRA laws and rules to list. I have attached the police correspondence, case #, an email, so that you may confirm this / contact the XXXX Police Department.","date_sent_to_company":"2025-07-18T21:59:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"14746930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-18T21:21:13.000Z","state":"FL","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":["I have attached the police correspondence, <em>case</em> #, an email, so that you may <em>confirm</em> this / contact the XXXX Police Department."]},"sort":[16.214808,"14746930"]},{"_index":"complaint-public-v1","_id":"18369966","_score":16.20726,"_source":{"product":"Credit card","complaint_what_happened":"Formal Demand Immediate Restoration of Online Account Access ( Case No. XXXX ) On XX/XX/year>, I submitted an identity theft report and sworn statement explaining that my Capital One credit card account was fraudulently disputed through the credit bureaus by an unauthorized third party. I did not initiate any fraud or identity theft disputes on this account. I am a victim of identity theft, and the bureau disputes were not made by me. Capital One confirmed receipt of this documentation. \n\nOn XX/XX/year>, I contacted Capital Ones Fraud and Disputes Department. During that call, which began at approximately XXXXXXXX XXXX XXXX and concluded at approximately XXXXXXXX XXXX XXXX, I spoke with XXXX, an account supervisor/manager, who confirmed my case and provided case number XXXX. Despite this confirmation and my completed identity verification, I continue to be denied access to my online account portal and account management features. \n\nCapital Ones continued restriction of my account access prevents me from viewing account statements, monitoring activity, and managing the account responsibly. Even though no payment is currently due, denying access to account information and payment functionality interferes with my ability to review statements, confirm account status, and exercise my consumer rights in a timely manner. Ongoing investigation does not justify a complete denial of reasonable account access where identity has been verified and no fraudulent activity by the accountholder has been identified. \n\nI am not disputing Capital Ones right to investigate potential fraud ; however, that investigation must not unreasonably impair my access to my own credit account. At a minimum, I am entitled to view my statements, confirm balances, and maintain the ability to make payments while the review is ongoing. Continued denial of access creates unnecessary risk of harm and is not a proportionate or reasonable security measure under these circumstances. \nAccordingly, I formally demand immediate restoration of my online account access so I may view statements and manage the account. If Capital One is unwilling to restore full portal access immediately, I demand same-day alternative access to current and recent account statements and a functional payment method while the investigation proceeds. I also request written confirmation of the investigation status, a clear explanation of any remaining verification steps, and an expected timeline for resolution under case number XXXX. \n\nPlease treat this correspondence as a formal notice and preserve all related records, including call recordings, internal case notes, dispute coding, bureau communications, and account access logs. If account access is not promptly restored or a reasonable alternative is not provided, I will pursue escalation through appropriate regulatory and consumer complaint channels.","date_sent_to_company":"2025-12-30T15:33:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"28786","tags":"Servicemember","has_narrative":true,"complaint_id":"18369966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-30T15:28:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Formal Demand Immediate Restoration of Online Account Access ( <em>Case</em> No. XXXX ) On XX/XX/year>, I submitted an <em>identity</em> <em>theft</em> report and sworn statement explaining that my Capital One credit card account was fraudulently disputed through the credit bureaus by an unauthorized third party. I did not initiate any fraud or <em>identity</em> <em>theft</em> disputes on this account. I am a victim of <em>identity</em> <em>theft</em>, and the bureau disputes were not made by me. Capital One confirmed receipt of this documentation."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.20726,"18369966"]},{"_index":"complaint-public-v1","_id":"14737229","_score":16.194561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As part of a recent string of disputes, I provided Trans Union, Equifax, and Experian with information to verify that I had filed a police report for identity theft. I gave them the reporting officers information to verify the report had been filed. 60+ days after sending them this information, I found out that Trans Union rejected my dispute without even doing an investigation. In this case, they were sloppy and lazy. Because all you have to do is contact the police department or officer who filed the report to confirm this. I have contacted them many times since, asking why they did not even conduct an investigation. No one is able to provide an answer ( essentially admitting they did not even conduct an investigation ). I have submitted the officer 's number to them on several different disputes. The investigation into my ID theft is continuing. But Trans Union never contacted them to verify that I had even FILED the report. How can they do this? They seem intent in ruining people 's lives, not reporting accurate information. They have violated too many FCRA laws and rules to list. I have attached the police correspondence, case #, an email, so that you may confirm this / contact the XXXX Police Department.","date_sent_to_company":"2025-07-18T21:59:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"14737229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-18T21:59:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have attached the police correspondence, <em>case</em> #, an email, so that you may <em>confirm</em> this / contact the XXXX Police Department."]},"sort":[16.194561,"14737229"]},{"_index":"complaint-public-v1","_id":"14737228","_score":16.194561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As part of a recent string of disputes, I provided Trans Union, Equifax, and Experian with information to verify that I had filed a police report for identity theft. I gave them the reporting officers information to verify the report had been filed. 60+ days after sending them this information, I found out that Trans Union rejected my dispute without even doing an investigation. In this case, they were sloppy and lazy. Because all you have to do is contact the police department or officer who filed the report to confirm this. I have contacted them many times since, asking why they did not even conduct an investigation. No one is able to provide an answer ( essentially admitting they did not even conduct an investigation ). I have submitted the officer 's number to them on several different disputes. The investigation into my ID theft is continuing. But Trans Union never contacted them to verify that I had even FILED the report. How can they do this? They seem intent in ruining people 's lives, not reporting accurate information. They have violated too many FCRA laws and rules to list. I have attached the police correspondence, case #, an email, so that you may confirm this / contact the XXXX Police Department.","date_sent_to_company":"2025-07-18T21:59:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"14737228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-18T21:59:05.000Z","state":"FL","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":["I have attached the police correspondence, <em>case</em> #, an email, so that you may <em>confirm</em> this / contact the XXXX Police Department."]},"sort":[16.194561,"14737228"]},{"_index":"complaint-public-v1","_id":"15224808","_score":16.179918,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally dispute and report a fraudulent financial obligation that has been linked to my name and credit profile. I want to make it absolutely clear that I have no knowledge of, nor have I authorized, any account, transaction, or obligation associated with this matter. \n\nI have already reported this incident to XX/XX/XXXX as an identity theft case, and to CitiBank Customer Service for immediate investigation and record annotation. \n\nThis situation appears to be a clear case of identity theft and financial fraud. I request that you : Immediately block and freeze any activity related to this account. \n\nRemove any derogatory information related to this fraudulent obligation from my credit report. \n\nProvide me with all documentation, contracts, or transaction records linked to this account for my records and for law enforcement purposes. \n\nConfirm in writing that this matter is under formal investigation and that I will not be held liable for any charges, fees, or obligations stemming from it. \n\nFor reference, please find theXX/XX/XXXX dispute case number and CitiBank complaint reference number attached. \n\nThis matter is urgent and I expect a written confirmation of receipt within 5 business days.\n\nSincerely,","date_sent_to_company":"2025-09-04T13:13:22.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"15224808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-12T22:33:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["I have already reported this incident to XX/XX/XXXX as an <em>identity</em> <em>theft</em> <em>case</em>, and to CitiBank Customer Service for immediate <em>investigation</em> and record annotation. \n\nThis situation appears to be a clear <em>case</em> of <em>identity</em> <em>theft</em> and financial fraud. I request that you : Immediately block and freeze any activity related to this account. \n\nRemove any derogatory information related to this fraudulent obligation from my credit report."]},"sort":[16.179918,"15224808"]},{"_index":"complaint-public-v1","_id":"20113892","_score":16.069666,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Mountain America Credit Union, which has failed to properly address a case of identity theft and fraud involving accounts and loan applications opened in my name without my knowledge or consent. Despite providing a police report confirming the fraud and disputing the matter XXXX, Mountain America Credit Union has refused to correct the issue or remove the fraudulent activity from their records. \nAs a result of this unresolved fraud, I have been negatively impacted and continue to have my name associated with accounts and loan applications that I did not authorize. \nIncident Overview I discovered that fraudulent activity had occurred involving my personal information. Accounts and loan applications were submitted under my name without my authorization. \nAfter discovering this fraudulent activity, I immediately filed a police report confirming that I was a victim of identity theft. I provided Mountain America Credit Union with a copy of this police report and supporting documentation. \nDespite this evidence, I have disputed this matter XXXX, and Mountain America Credit Union has failed to take appropriate action to resolve the situation. They have refused to remove the fraudulent accounts and loan applications associated with my name. \nBecause of this failure to correct the fraud, my personal information remains tied to accounts and loan applications that I did not authorize. \nLegal Violations Mountain America Credit Unions failure to properly investigate and remove fraudulent activity may violate the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under the FCRA, when a consumer disputes fraudulent accounts or information, the financial institution must conduct a reasonable investigation and correct or remove inaccurate information. Despite being provided with a police report confirming identity theft, Mountain America Credit Union has failed to correct the fraudulent accounts and loan applications. \nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Consumers have the right to dispute fraudulent debts or accounts. By refusing to remove accounts and loan applications created through identity theft, Mountain America Credit Union has failed to properly address a valid dispute.\n\nIdentity Theft Utah Code 76-6-1102 The unauthorized use of my personal information to open accounts and apply for loans constitutes identity theft under Utah law. \nSupporting Documentation I have attached the following documents to support my complaint : A copy of the police report from [ insert police department name ] Case Number : [ insert case number ] Documentation showing fraudulent accounts opened in my name Documentation showing loan applications submitted without my authorization Request for Resolution I respectfully request that Mountain America Credit Union take the following actions immediately : Conduct a proper investigation into the fraudulent accounts and loan applications opened in my name. \nRemove all fraudulent accounts, loan applications, and any associated records from their system. \nEnsure that no negative or inaccurate information related to this fraud remains associated with my name. \nProvide written confirmation that the fraudulent accounts and loan applications have been permanently removed and that my name has been cleared of any fraudulent activity. \nI have already disputed this matter XXXX  and provided a police report confirming identity theft. I am requesting that this issue now be resolved promptly and in compliance with federal and state law.","date_sent_to_company":"2026-03-10T01:03:16.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"84005","tags":null,"has_narrative":true,"complaint_id":"20113892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","date_received":"2026-03-10T00:59:14.000Z","state":"UT","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["<em>Identity</em> <em>Theft</em> Utah Code 76-6-1102 The unauthorized use of my personal information to open accounts and apply for loans constitutes <em>identity</em> <em>theft</em> under Utah law."]},"sort":[16.069666,"20113892"]},{"_index":"complaint-public-v1","_id":"10060711","_score":16.055855,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute a debt that has been wrongly attributed to me by Discover Bank . This debt is the result of identity theft, and I request your assistance in investigating and removing this fraudulent debt from my credit report. \n\nDetails of the Disputed Debt : Creditor : Discover Bank Account Number : ending # XXXX Amount of Debt : {$12000.00} Date of Fraudulent Account Opening : XX/XX/year> I was recently made aware of this debt on my credit report, and after reviewing the information, I can confirm that I did not open this account or authorize any transactions associated with it. This is a clear case of identity theft, and I have taken steps to protect my identity, including filing a FTC report and placing fraud alerts on my credit reports with the major credit bureaus. \n\nEnclosed are copies of the following documents to support my dispute : A copy of the FTC report related to the identity theft. \nA copy of my government-issued passport to verify my identity. \n\nI request that the CFPB conduct an investigation into this matter and that Discover Bank be notified to cease all collection activities for this account. Additionally, I ask that this account be removed from my credit report as soon as possible. \n\nPlease confirm receipt of this dispute letter and notify me of the steps taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this fraudulent debt. \n\nThank you for your time and cooperation.","date_sent_to_company":"2024-09-09T09:23:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"10060711","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-09T08:59:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This debt is the result of <em>identity</em> <em>theft</em>, and I request your assistance in <em>investigating</em> and removing this fraudulent debt from my credit report."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[16.055855,"10060711"]},{"_index":"complaint-public-v1","_id":"18231434","_score":15.9974165,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this feedback because the companys response does not resolve my complaint, contains material deficiencies, and fails to comply with the Fair Credit Reporting Act ( FCRA ) and identity theft protections under FACTA. \n\nI am also stating clearly for the record that I am creating a new CFPB case because my prior case, XXXX, was closed without resolution, even though the disputed account remains inaccurately associated with my credit file. \n\nI do not own, did not open, and did not authorize the Self / Lead Bank account at issue. I have filed an FTC Identity Theft Report and identity theft affidavit, attesting under penalty of law that this account is the result of fraud. The companys response improperly dismisses my identity theft claim, relies on inadequate verification methods, and unlawfully shifts the burden of proof back to me as the consumer. \n\n1. Background and Procedural History This dispute began when I identified a Self / Lead Bank tradeline on my consumer credit reports that I did not recognize and did not authorize. I have never knowingly applied for, opened, or benefited from a Self or Lead Bank account. Upon discovery of the account, I promptly took all appropriate consumer protection steps, including : Disputing the account with consumer reporting agencies Filing an FTC Identity Theft Report Submitting an identity theft affidavit Providing documentation supporting my claim of fraud Despite these actions, the account remained on my credit file. I escalated the matter to the Consumer Financial Protection Bureau, resulting in CFPB case XXXX. That case was ultimately closed without resolution, even though the company failed to prove that I authorized the account and failed to remove the tradeline. \n\nBecause the harm remains ongoing, I am filing a new case and submitting this feedback to clearly document that the companys response is insufficient, non-compliant, and misleading. \n\n2. The Company Improperly Rejected a Valid Identity Theft Claim In its response, Self / Lead Bank asserts that the FTC identity theft report I submitted appears to have been modified and therefore can not be relied upon. This position is legally incorrect and demonstrates a fundamental misunderstandingor disregardof federal identity theft protections.\n\nThere is no requirement in the FCRA, FACTA, or FTC regulations that an identity theft report must match a specific formatting template in order to be valid. Under FCRA 603 ( q ), an identity theft report may consist of : An FTC Identity Theft Report A sworn affidavit Supporting documentation I have provided all of the above. The company does not have discretion to unilaterally invalidate an identity theft report based on formatting preferences. Doing so is not a reasonable investigation under FCRA 611, nor does it satisfy the blocking requirements of FCRA 605B.\n\nRejecting an identity theft claim on this basis alone is procedurally improper and inconsistent with federal law.\n\n3. Reliance on Personal Information Matching Is Not Proof of Authorization The company states that it verified personal identifying information ( PII ), IP address data, and payment methods and therefore concluded the account was not fraudulent. This reasoning is deeply flawed. \n\nIdentity theft necessarily involves the misuse of correct personal information. Verifying that my name, address, or other PII appears on the account does not prove that I opened or authorized it. This logic would render identity theft protections meaningless. \n\nA lawful investigation requires proof of consumer authorization, such as : A verifiable original application bearing my authenticated signature Evidence that funds were disbursed to an account owned by me Device or identity verification uniquely tied to me None of this was provided. Instead, the company relied on internal data points that are fully consistent with identity theft scenarios. \n\n4. Failure to Provide a Lawful Method of Verification The companys response does not disclose the method of verification used to confirm the accounts accuracy. This omission violates FCRA 611 ( a ) ( 6 ), which requires furnishers to disclose how disputed information was verified upon request.\n\nSpecifically, the response fails to ide\nntify : Whether verification occurred through e-OSCAR, manual review, or automated systems What documents were reviewed Who conducted the review How identity theft was ruled out A conclusory statement that an investigation occurred is not sufficient. Without transparency regarding the verification process, the response can not be considered compliant.\n\n5. Improper Burden Shifting to the Consumer The company states that if I have new information showing the account was opened by someone else, I should submit it. This statement improperly shifts the burden of proof onto me. \n\nOnce a consumer submits a valid identity theft report, the burden rests with the furnisher to prove the account is legitimate. Federal law does not require identity theft victims to identify the perpetrator or provide additional evidence beyond a sworn report. \n\nThis approach delays resolution, perpetuates inaccurate reporting, and is inconsistent with consumer protection statutes.\n\n6. Ongoing Harm and Inaccurate Reporting Despite the companys claims, the harm remains unresolved : The Self / Lead Bank account continues to be associated with my credit history My creditworthiness has been negatively impacted I have been forced to repeatedly escalate the issue due to non-resolution The response does not confirm deletion from all consumer reporting agencies, does not confirm blocking of reinsertion, and does not provide written assurances required under FCRA 605B.\n\n7. Why a New Case Is Necessary I am explicitly stating that I am creating a new CFPB case because previous case XXXX was closed without resolution, despite the companys failure to meet its legal obligations. \n\nClosing a case does not make inaccurate reporting accurate. It does not cure investigative deficiencies. It does not extinguish consumer rights. The continued presence of this account necessitates renewed CFPB oversight. \n\n8. Required Corrective Actions To properly resolve this matter, Self / Lead Bank must : Permanently delete the disputed account from XXXX XXXX XXXX XXXX Block reinsertion under FCRA 605B Cease all reporting and internal association of this account with my identity Correct any downstream or secondary reporting Provide written confirmation of deletion and compliance Anything less fails to remedy the harm. \n\n9. Conclusion I do not own the Self / Lead Bank account. I did not authorize it. I have filed an FTC Identity Theft Report and identity theft affidavit, and the company has failed to lawfully investigate, validate, or remediate the disputed tradeline. \n\nThe companys response relies on improper standards, misapplies identity theft law, and fails to meet FCRA requirements. I respectfully request that the CFPB note that Self / Lead Bank has not resolved the dispute, and that this matter remains open and ongoing.","date_sent_to_company":"2025-12-22T22:21:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63366","tags":null,"has_narrative":true,"complaint_id":"18231434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-12-22T22:13:06.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have filed an FTC <em>Identity</em> <em>Theft</em> Report and <em>identity</em> <em>theft</em> affidavit, and the company has failed to lawfully <em>investigate</em>, validate, or remediate the disputed tradeline. \n\nThe companys response relies on improper standards, misapplies <em>identity</em> <em>theft</em> law, and fails to meet FCRA requirements. I respectfully request that the CFPB note that Self / Lead Bank has not resolved the dispute, and that this matter remains open and ongoing."]},"sort":[15.9974165,"18231434"]},{"_index":"complaint-public-v1","_id":"14815380","_score":15.989131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter is submitted to the Consumer Financial Protection Bureau as part of my identity theft case, supported by my FTC Identity Theft Report filed on XX/XX/XXXX. \n\nI have reviewed my credit report with Experian and discovered the following unauthorized inquiries that I did not initiate, approve, or authorize : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX These inquiries are the result of identity theft and are fraudulent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting their immediate removal from my credit file and the blocking of any related or derived accounts or access.\n\nI have enclosed the following documents to support this request : - A copy of my FTC Identity Theft Report ( filed XX/XX/XXXX ) Please investigate and remove these inquiries promptly, and confirm removal in writing. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-22T04:12:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30518","tags":null,"has_narrative":true,"complaint_id":"14815380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-22T03:59:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I have enclosed the following documents to support this request : - A copy of my FTC <em>Identity</em> <em>Theft</em> Report ( filed XX/XX/XXXX ) Please <em>investigate</em> and remove these inquiries promptly, and <em>confirm</em> removal in writing. \n\nSincerely, XXXX XXXX"]},"sort":[15.989131,"14815380"]},{"_index":"complaint-public-v1","_id":"16124797","_score":15.988296,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of identity theft. On XX/XX/year>, Wells Fargo reported a charged-off account for {$7500.00}. This account was opened or used without my authorization. The original balance was {$6000.00}, but Wells Fargo added additional fees and charges. I did not open or authorize this account, and I am not responsible for this debt. \n\nI have already disputed this matter, but Wells Fargo continues to report this account as charged off. I have contacted Wells Fargo multiple times to correct this error, but no resolution has been provided. This inaccurate reporting is damaging my credit and is a direct result of identity theft. \n\nI am requesting that Wells Fargo immediately remove this fraudulent account and the charged-off status from my credit reports. Additionally, I request that the credit reporting agencies, XXXX, XXXX, and XXXX, conduct a proper investigation of this case and confirm the identity theft, in compliance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft laws.","date_sent_to_company":"2025-09-23T19:35:25.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"16124797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-23T19:20:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This inaccurate reporting is damaging my credit and is a direct result of <em>identity</em> <em>theft</em>. \n\nI am requesting that Wells Fargo immediately remove this fraudulent account and the charged-off status from my credit reports. Additionally, I request that the credit reporting agencies, XXXX, XXXX, and XXXX, conduct a proper <em>investigation</em> of this <em>case</em> and <em>confirm</em> the <em>identity</em> <em>theft</em>, in compliance with the Fair Credit Reporting Act ( FCRA ) and the <em>Identity</em> <em>Theft</em> laws."]},"sort":[15.988296,"16124797"]},{"_index":"complaint-public-v1","_id":"3000834","_score":15.948229,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the \" XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. \n\nThis seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.","date_sent_to_company":"2018-08-24T11:32:27.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"3000834","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-08-24T11:14:55.000Z","state":"MD","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["This seems to be a likely <em>case</em> of <em>identity</em> <em>theft</em> but also a <em>case</em> of Chase issuing credit cards without proper checking of <em>identity</em> and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant <em>identity</em> <em>theft</em> it seems highly negligent to issue a credit card without even knowing the first name of the person."]},"sort":[15.948229,"3000834"]},{"_index":"complaint-public-v1","_id":"11699367","_score":15.929935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX To : EXPERIAN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX, XXXX XXXX, GA XXXX Re : Formal Dispute and Request for Reinvestigation under FCRA 611 Dear EXPERIAN, I am writing to formally dispute the verification responses received from your agency regarding prior complaints of inaccurate and potentially fraudulent accounts, specifically invoking FCRA 611 ( 15 U.S.C. 1681i ). I believe these inaccuracies are a result of identity theft, and your agencys failure to properly investigate this matter represents a failure to comply with the Fair Credit Reporting Act ( FCRA ). \nOn XX/XX/XXXX, I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. \nHowever, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.\n\nFCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.\n\nConfirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.\n\nSupporting Case Law for Compliance with FCRA Requirements Several case laws emphasize the importance of thorough and transparent investigations by consumer reporting agencies when handling disputes and identity theft claims : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : In this case, the court held that consumer reporting agencies are required to conduct a \" reasonable reinvestigation '' of disputed information. A superficial verification process without genuine investigation, as appears to be the case here, constitutes non-compliance with the FCRA and exposes the agency to liability.\n\nDennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : The court highlighted that a consumer reporting agencys failure to verify disputed information in a manner that ensures maximum possible accuracy is a breach of its FCRA obligations. In this instance, failing to validate the origin and accuracy of the information violates the accuracy standard the FCRA demands.\n\nCohen v. Equifax Info. Servs., LLC , 2013 U.S. Dist. LEXIS 103827 ( N.D. Cal. 2013 ) : This case reaffirmed that credit reporting agencies have an obligation to ensure maximum possible accuracy and to act with transparency in reporting, especially when handling identity theft-related disputes.\n\nGorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) : The court emphasized that failure to conduct a reasonable investigation upon notice of a consumer dispute could lead to agency liability under the FCRA. This standard underscores the agencys responsibility to investigate and verify sources with accuracy and fairness. \nDemand for Compliance and Notice of Potential Legal Action In light of the above case law and statutory obligations under the FCRA, I formally demand that your agency : Conduct a comprehensive reinvestigation of all disputed accounts associated with the prior identity theft complaint. \nProvide detailed documentation of all sources of information used in your verification, including specific furnishers or third-party entities. \nConfirm whether the FTC was contacted and whether due diligence was followed in accordance with my identity theft affidavit. \nPlease confirm compliance with this request within 15 days of receipt of this letter. Failure to comply with the FCRA and provide a satisfactory response may result in me pursuing all available legal remedies and seeking damages in federal court for any harm resulting from inaccuracies on my credit report. \nThank you for your prompt attention to this matter. I look forward to resolving this issue fairly and expeditiously in accordance with the FCRA. \nSincerely, XXXX XXXX Without Recourse UCC 1-308","date_sent_to_company":"2025-01-23T15:58:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08057","tags":null,"has_narrative":true,"complaint_id":"11699367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T15:37:43.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Confirm</em> whether your agency contacted the Federal Trade Commission ( FTC ) regarding the <em>identity</em> <em>theft</em> affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.\n\nSupporting <em>Case</em> Law for Compliance with FCRA Requirements Several <em>case</em> laws emphasize the importance of thorough and transparent <em>investigations</em> by consumer reporting agencies when handling disputes and <em>identity</em> <em>theft</em> claims : Cushman v."]},"sort":[15.929935,"11699367"]},{"_index":"complaint-public-v1","_id":"7882358","_score":15.816553,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.","date_sent_to_company":"2023-11-21T00:47:30.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"95662","tags":null,"has_narrative":true,"complaint_id":"7882358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-21T00:43:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I appreciate your prompt attention to this matter and your assistance in resolving this <em>case</em> of <em>identity</em> <em>theft</em>."]},"sort":[15.816553,"7882358"]},{"_index":"complaint-public-v1","_id":"7882373","_score":15.805729,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.","date_sent_to_company":"2023-11-21T00:47:37.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"95662","tags":null,"has_narrative":true,"complaint_id":"7882373","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-21T00:43:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Therefore, I want to <em>confirm</em> my <em>identity</em> and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of <em>identity</em> <em>theft</em> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you promptly <em>investigate</em> these accounts and take the necessary steps to rectify the inaccuracies on my credit report."]},"sort":[15.805729,"7882373"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1902,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1902}]}},"product":{"doc_count":1902,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1166,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1157},{"key":"Other personal consumer report","doc_count":9}]}},{"key":"Debt 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