{"took":421,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":29,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16486573","_score":20.805794,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is submitted on behalf of myself, XXXX XXXX, and my spouse, XXXX XXXX, who were co-tenants on the lease at XXXX XXXX. Fair Collections & Outsourcing ( XXXX ) is attempting to collect a fabricated and non-existent debt that was falsely reported by XXXX XXXX XXXX XXXX XXXX. The property was fully settled at move-out, with all balances paid and confirmed as closed by the property manager. Despite this, the landlord fabricated postmove-out charges for normal wear and tear and failed to return our {$500.00} security deposit as required by California Civil Code 1950.5.\n\nWithout ever providing written notice or validation, they reported a false balance of {$140.00} to XXXX nearly nine months later, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). When questioned, the property manager falsely claimed the debt was related to unpaid utility charges from XXXX, but public records and the collection account clearly show that XXXXXXXX XXXXnot XXXXwas the source of the report. This demonstrates intentional misrepresentation and an effort to shift blame to avoid responsibility. \n\nWe have repeatedly requested verification of the alleged debt, including itemized statements, proof of assignment, and evidence of any legitimate balance, but neither XXXX nor XXXX XXXX  has provided any. Additionally, we have extensive email correspondence with the former property manager, XXXX XXXX, who acknowledged and discussed this matter in XXXX  yet failed to take corrective action. These communications, along with call records to the XXXX office seeking resolution, demonstrate clear bad faith and a pattern of negligence and deception. \n\nTheir false reporting has caused significant and ongoing harm, including damaged credit scores, increased borrowing costs, denial of rental housing opportunities, and emotional XXXX  resulting from being placed at risk of homelessness. We are requesting immediate investigation, deletion of the false collection record, refund of our security deposit, and written confirmation that all related data is permanently removed from all credit reporting systems and databases.","date_sent_to_company":"2025-10-22T13:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"95123","tags":null,"has_narrative":true,"complaint_id":"16486573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-10-09T16:02:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["We are requesting immediate <em>investigation</em>, <em>deletion</em> of the <em>false</em> <em>collection</em> <em>record</em>, <em>refund</em> of our <em>security</em> deposit, and written confirmation that all related data is permanently removed from all credit reporting systems and databases."],"product":["Debt <em>collection</em>"],"company":["FAIR <em>COLLECTIONS</em> & OUTSOURCING, INC."]},"sort":[20.805794,"16486573"]},{"_index":"complaint-public-v1","_id":"13549571","_score":15.31512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). \n\nIn addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. \n\nThese repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue","date_sent_to_company":"2025-05-16T03:14:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13549571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T03:14:09.000Z","state":"ND","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I included my updated Social <em>Security</em> card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my <em>records</em> and responded with <em>false</em> claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith."]},"sort":[15.31512,"13549571"]},{"_index":"complaint-public-v1","_id":"13570206","_score":15.293549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). \n\nIn addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. \n\nThese repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue","date_sent_to_company":"2025-05-16T03:14:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13570206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T02:50:24.000Z","state":"ND","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I included my updated Social <em>Security</em> card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my <em>records</em> and responded with <em>false</em> claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith."]},"sort":[15.293549,"13570206"]},{"_index":"complaint-public-v1","_id":"13551850","_score":15.290897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). \n\nIn addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. \n\nThese repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue","date_sent_to_company":"2025-05-16T03:14:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13551850","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T03:14:09.000Z","state":"ND","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I included my updated Social <em>Security</em> card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my <em>records</em> and responded with <em>false</em> claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith."]},"sort":[15.290897,"13551850"]},{"_index":"complaint-public-v1","_id":"15918753","_score":12.969777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA/Reg V Violations & Missing Evidence ( XXXX Denial Dated XX/XX/XXXX ) Consumer : XXXX XXXX XXXX XXXX XXXX ( legal name on TX drivers license & Social Security card ) Companies : XXXX, XXXX ( furnisher ) ; XXXX  ( collector for XXXX ) ; Experian ( CRA ) Affirm Loan IDs in dispute : XXXX, XXXX, XXXX, XXXX Key identity fact : XXXX XXXX ( no suffix ) is a different person XXXX XXXX XXXX ( XXXX ) died XX/XX/XXXX XXXX These items are misattributed to me due to suffix omission/mixed file. \n\nI submit this addendum to address XXXX XX/XX/XXXX denial email ( copied below ). That email is a template-style rejection that does not meet the FCRA and Regulation V standards for accuracy and investigation, and it omits statutory records I am entitled to as an identity-theft victim. \n\nA ) Violations & Deficiencies 1 ) Unreasonable Investigation FCRA 623 ( b ) ; Reg V, 12 C.F.R. 1022.43 ( Direct Disputes ) XXXX  letter asserts conclusions ( identical IP/device/purchasing patterns, repayment history indicates authorization, associate/household member ) but provides no underlying evidence. A furnisher must conduct a reasonable investigation, review all relevant information I provided ( FTC Identity Theft Report, government ID, SSN card, death record for Sr. ), and resolve inaccuracies. Boilerplate conclusions without evidence do not satisfy 623 ( b ) or Reg V 1022.43. \n\n2 ) Accuracy/Identity Mismatch FCRA 623 ( a ) ( 1 ) ( no reporting of information known or reasonably should be known to be inaccurate ) XXXX  continues to treat XXXX XXXX ( no suffix ) as if it were me, XXXX XXXX XXXX XXXX XXXX. Failing to reconcile the suffix and the fact that XXXX XXXX ( Sr. ) is deceased ( XX/XX/XXXX ) shows an identity mismatch/mixed file and undermines accuracy obligations. \n\n3 ) Failure to Furnish With a Dispute Notation FCRA 623 ( a ) ( 3 ) The denial states that loan and payment information will be reported to the credit bureau on a regular basis, but does not confirm the required dispute notation. A furnisher that continues to report disputed information must clearly communicate that the item is disputed. Omission violates 623 ( a ) ( 3 ).\n\n4 ) Failure to Provide Identity-Theft Records FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) As an identity-theft victim, upon request I am entitled to application and transaction records for the disputed accounts within 30 days. XXXX  denial letter includes none of the required records ( see Section B below ) and does not acknowledge this obligation.\n\n5 ) Identity-Theft Blocking & Collections FCRA 605B ( CRA duty ) & 615 ( f ) ( no sale/transfer/collection after 605B notice ) Once a CRA issues a 605B block/notice that a tradeline resulted from identity theft, no one may sell, transfer, or place the debt for collection ( with limited exceptions ). XXXX denial ignores this and states ongoing reporting/collections. I have submitted ( or am submitting ) a 605B block request to Experian ; upon notice, 615 ( f ) bars continued placement/collection.\n\n6 ) Policies & Procedures Deficiencies Reg V 1022.42 Furnishers must maintain written policies and procedures to ensure accuracy and integrity of furnished information. The failure to reconcile the legal name/suffix, to provide 609 ( e ) records, and to rely on generic assertions suggests deficient policies/procedures. \n\n7 ) Frivolous or Irrelevant Dispute Notice Reg V 1022.43 ( f ) If a furnisher deems a direct dispute frivolous, it must notify the consumer within 5 business days, explain why, and what additional information is needed. XXXX  denial does not contain this notice. Therefore, it can not rely on a frivolous designation to avoid a proper investigation. \n\nB ) Statutory Records XXXX  Should Have Produced ( but didnt ) Required by 609 ( e ) and necessary to show a reasonable investigation : Application & Identity Evidence for each loan Full application ( exact name string captured, including suffix ) E-signature/consent audit logs ( timestamps, IP addresses, device IDs/fingerprints, geolocation, terms presented ) XXXX results, phone/email ownership at origination, address verification, any ID images or liveness checks Transaction & Merchant/POS Detail Merchant name/location, POS store ID, virtual card token and authorization records , AVS/CVV results, shipping/pickup addresses, refund logs Account-Use & Device Telemetry Login history, device/SIM history, IP logs, and any comparative analysis supporting the identical IP/device/purchasing pattern claim Dispute-Handling File Internal notes, all materials reviewed, basis for associate/household member theory, and furnishing history showing the item was flagged as disputed after my notice Identity-Theft Compliance Trail Any 605B notices received from CRAs and steps taken to prevent re-reporting ; confirmation of cease-collection consistent with 615 ( f ) once notified C ) Requested CFPB Relief ( in addition to prior requests already on file ) Direct XXXX  to conduct a new, reasonable investigation under 623 ( b ) /Reg V 1022.43, and to produce all 609 ( e ) records listed in Section B. \n\nOrder deletion/blocking of the four XXXX tradelines as identity theft/mixed file ( wrong consumer due to suffix omission ), and require no re-reporting. \n\nRequire XXXX to furnish any interim reporting with a dispute notation under 623 ( a ) ( 3 ) until the items are deleted. \n\nUpon Experians 605B block/notice, require cease-collection and recall from XXXX consistent with 615 ( f ). \n\nRequire XXXX  to correct its internal records to XXXX XXXX XXXX, XXXX only and purge data tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. \n\nProvide me with written deletion letters and confirmation of actions taken. \n\n\n\n\nCFPB Complaint Narrative Identity Theft / Mixed File / Wrong Legal Name ( XXXX  ) Complainant : XXXX XXXX XXXX, XXXX ( my legal name as it appears on my Texas drivers license and Social Security card ). \nNot me : XXXX XXXX ( no suffix ) this is a different person. XXXX XXXX ( XXXX ) died on XX/XX/XXXX. \n\nCompanies : XXXX XXXX XXXX ; XXXX ( third-party collector for XXXX ) ; Experian ( credit reporting ). \nDisputed accounts ( XXXX  XXXX  Card loans ) : XXXX ; XXXX ; XXXX ; XXXX. \nDispute posture : Identity theft / mixed file, wrong legal name, and inaccurate credit reporting. I already uploaded my FTC Identity Theft Report, drivers license, and Social Security card to XXXX and Experian. XXXX nevertheless found me responsible by email on XX/XX/XXXX, without correcting the name error or providing verifiable identity evidence. \n\n1 ) Core issue : XXXX  and/or Experian are attributing accounts reported under XXXX XXXX XXXX no suffix ) to me, XXXX XXXX XXXX XXXX XXXX XXXX  has responded to my prior complaint dated XX/XX/XXXX and attached all their documentation, which further has validated the accuracy of my claim. I have attached all of their documentation which all references \" XXXX XXXX '' not my legal government ID and social security card issued name \" XXXX XXXX XXXX ''. I have submitted this to them multiple times and yet the have failed to accurately review this information. No i am providing there own documentation sent to me dated XX/XX/XXXX so they now have no excuses or legal basis to stand on Using or reporting name-only matches ( or ignoring the Jr. suffix ) is not a reasonable procedure to assure maximum possible accuracy under the FCRA. The CFPB has explicitly warned that name-only matching ( or other inadequate matching ) violates the FCRAs accuracy mandate, and that mixed files commonly result when two consumers share similar names. \n\nWhat this means here : I am XXXX XXXX XXXX, XXXX. The disputed items show XXXX XXXX ( no suffix ). \n\nXXXX XXXX ( XXXX ) is deceased ( XX/XX/XXXX ) he obviously did not open any XXXX accounts. \n\nAny reliance on a name-only or suffix-omitted match is improper and creates a mixed file/identity error, which must be corrected and removed. \n\n2 ) FCRA/Reg V duties XXXX and Experian failed to meet a ) Identity theft blocking and notifications. When a consumer submits an Identity Theft Report and proper ID, CRAs must block the information within 4 business days and notify furnishers ; furnishers must have procedures to prevent re-reporting of blocked identity-theft information. \nLegal Information Institute b ) Furnisher accuracy, correction, and dispute duties ( FCRA 623 / 15 U.S.C. 1681s-2 ; Reg V ) .\n\nA furnisher must not report information it knows or reasonably should know is inaccurate, must correct and update information, and must flag items as disputed when a consumer disputes them.\n\nLegal Information Institute Upon direct dispute, a furnisher must conduct a reasonable investigation, review all relevant information the consumer provided, and finish within the 611 timeframe ( generally 30 days ). If the information is inaccurate, can not be verified, or is identity theft, the furnisher must modify, delete, or permanently block it.\n\nLegal Information Institute Furnishers must maintain reasonable written policies and procedures to ensure accuracy/integrity of furnished data ( Reg V 1022.42 ) and honor direct disputes ( Reg V 1022.43 ). \nConsumer Financial Protection Bureau The CFPB has emphasized that shoddy or superficial investigations of disputes violate the law. \nConsumer Financial Protection Bureau XXXX ) Prohibition on selling/collecting identity-theft debt ( FCRA 615 ( f ) / 15 U.S.C. 1681m ( f ) ). Once notified under 605B that a debt resulted from identity theft, no person may sell, transfer, or place the debt for collection ( subject to limited exceptions ). Any collection by XXXX or continued placement while the identity-theft dispute remains unresolved is improper. \nLegal Information Institute Consumer Advice d ) Name-suffix accuracy in debt collection notices ( Reg F ). For any collection validation notice, the consumers full name including suffix must be used to avoid creating a false, misleading, or confusing impression about identity. Omission of XXXX fails this standard. \nConsumer Financial Protection Bureau 3 ) Why XXXX  XX/XX/XXXX you are responsible determination is inadequate XXXX says loan files bear my electronic signature, but provided no verifiable evidence that XXXX XXXX XXXX, XXXXopened, authorized, or benefited from these transactions. A reasonable investigation in an identity-theft dispute must review underlying evidence, not simply restate internal account screens. The CFPB has made clear that furnishers must conduct bona fide, reasonable investigations and can not dismiss disputes with cursory reviews. \n\nAt a minimum, a reasonable investigation here would includeand has not yet producedthe following identity and authorization evidence tied to XXXX XXXX XXXX XXXX XXXX ( not merely XXXX XXXX XXXX : E-signature and consent audit logs ( timestamped, with IP addresses, device fingerprints, geolocation, and the exact name string captured at signature ). \n\nAccount origination XXXX results XXXX phone/email ownership at origination ; SIM/device history ; address verification ; ID images and liveness checks ( if any ). \n\nMerchant-level artifacts for each XXXX Card transaction ( virtual card token and authorization records, merchant name/location, AVS/CVV results, in-store POS records, delivery/pickup addresses, refund logs ).\n\nAny CRA notifications under 605B that these debts were reported as identity theft and the furnishers procedures to prevent re-reporting. \nLegal Information Institute Without this, XXXX has not met its 623 and Reg V duties and should not continue furnishing or collecting these tradelines. \nLegal Information Institute Consumer Financial Protection Bureau 4 ) Requested CFPB relief Immediate deletion/blocking of the four XXXX  tradelines ( XXXX ; XXXX ; XXXX ; XXXX ) from all CRAs as identity theft / mixed file / wrong consumer ; ensure no re-reporting. \nLegal Information Institute Cease collection & recall from XXXX pursuant to 615 ( f ) ; send written confirmation that these accounts will not be sold, transferred, or placed for collection. \nLegal Information Institute Name correction across all records to reflect my true legal name XXXX XXXX XXXX, XXXX and purge any records tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. \nConsumer Financial Protection Bureau Provide to me and the CFPB the complete investigation file and authorization evidence listed in Section 3. \n\nUpdate to CRAs under 623 : mark prior reporting as inaccurate/identity theft, and confirm deletion or permanent block.\n\nLegal Information Institute Written letters of deletion for my records. \n\n5 ) Timeline ( per XXXX  own statements ) accounts I did not open or authorize XXXX asserts four XXXX  Card loans were initiated in XXXX and later charged off in XX/XX/XXXX, then assigned to XXXX. I did not open or authorize these accounts, did not receive goods/services, and disputed them months ago with my FTC Identity Theft Report and government IDs. Any negative credit reporting and collections should now cease and be deleted as identity theft/mixed file. \n\n\n\nGovernment ID : Texas drivers license ( showing XXXX XXXX XXXX, XXXX ) and Social Security card. \n\nFTC Identity Theft Report XXXX XXXX ( XXXX ) died XX/XX/XXXX ( to establish that XXXX XXXX me ). \n\nCopies of prior disputes to Experian and XXXX ; XXXX XX/XX/XXXX email stating they found you responsible. \n\nRecent credit reports showing the four XXXX tradelines. \n\nAny collection letters/emails from XXXX that omit my suffix, contrary to Reg Fs validation-name requirement. \nConsumer Financial Protection Bureau Notes for the CFPB intake form ( short answers ) What happened? Identity theft/mixed file due to wrong legal nameXXXX/Experian matched items to XXXX XXXX ( no suffix XXXX instead of me ( XXXX XXXX XXXX, XXXX XXXX XXXX The person XXXX XXXX died on XX/XX/XXXX. \n\nWhat do you want the company to do? Delete/block all four tradelines as identity theft/mixed file ; recall from collections ; correct my legal name everywhere ; provide the investigation/authorization evidence ; and send deletion letters. \n\nWhen did you first notice? \n\nHave you contacted the company? Yesmultiple disputes to Experian and XXXX ; submitted FTC Identity Theft Report and IDs ; XXXX email dated XX/XX/XXXX denying my claim without proper proof. \n\nSupporting laws : FCRA 607 ( b ) ( accuracy ), 611 ( reinvestigation ), 623 ( furnisher duties incl. identity-theft procedures and direct disputes ), 605B ( identity-theft blocking ), 615 ( f ) ( no sale/collection of identity-theft debt ) ; Reg V 12 CFR Part 1022 ; CFPB Circular 2022-07 on reasonable investigations ; Reg F validation-name guidance ( suffix ).","date_sent_to_company":"2025-09-13T15:38:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"774XX","tags":null,"has_narrative":true,"complaint_id":"15918753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-13T15:37:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Any <em>collection</em> by XXXX or continued placement while the identity-theft dispute remains unresolved is improper. \nLegal Information Institute Consumer Advice d ) Name-suffix accuracy in debt <em>collection</em> notices ( Reg F ). For any <em>collection</em> validation notice, the consumers full name including suffix must be used to avoid creating a <em>false</em>, misleading, or confusing impression about identity. Omission of XXXX fails this standard."]},"sort":[12.969777,"15918753"]},{"_index":"complaint-public-v1","_id":"15982512","_score":12.705404,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal contradiction and override demand regarding the PRA Group account # XXXX, which has been inaccurately and inconsistently reported across XXXX XXXX XXXX XXXX, and misrepresented by PRA Group in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. This supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. \nXXXX  REPORT Provided by Me Account opened XXXX XXXX XXXX, status frozen since XXXX XXXX Balance updated XXXX XXXX XXXX, with no status refresh Monthly C ( Collection ) status from XXXX XXXX XXXX XXXX XXXX No payments, no resolution, no verified activity Disputes logged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation processed only in XXXX XXXX  Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : PRA claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. \nXXXX  REPORT Fully Expanded Date of Last Reported Update : XXXX XXXX XXXX Balance Amount : {$790.00} Date of First Delinquency : XXXX XXXX XXXX  Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX \nAccount History Status Codes : Collection from XXXX XXXX XXXX XXXX XXXX Dispute Status : Disputed from XXXX XXXX  to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : still in dispute Contradiction : PRA claimed no dispute was received and that validation resolved the issueXXXX XXXX shows a continuous dispute for 2+ years, unresolved status, and still in dispute confirming the data was unverifiable and improperly furnished. \nXXXX REPORT Provided by Me Account opened XXXX XXXX XXXX balance {$790.00} Status frozen since XXXX XXXX, balance updated XXXX XXXX XXXX Monthly C ( Collection ) status from XXXX XXXX XXXX XXXX XXXX Balance history : Static from XXXX XXXX XXXX XXXX XXXX, {$0.00} paid Disputes logged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation processed only in XXXX XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : PRA claims resolution, yet XXXX continues reporting the account with no payment activity or verified updates. \nPRAs FULL CFPB RESPONSE Provided by Me Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( PRA ) takes compliance with all applicable Federal, State and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that PRA violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the PRA account ending in XXXX. We will continue to honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA is a \" Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, PRA is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, XXXX XXXX XXXX XXXX ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and other Federal , State and local law, and industry guidelines. PRA purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX credit card account ending in XXXX  from XXXX  XXXX, together with the right to receive payment of the balance due on the account, on or about XXXX XXXX XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to the consumer on or about XXXX XXXX XXXX We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit PRA from contacting a consumer regarding a debt. PRA furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \nContradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and still in dispute with all three bureaus. \nXXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC PRA is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that PRA itself furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. \nCFPB Enforcement Actions Against Portfolio Recovery Associates , LLC XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices CFPA : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not PRA was placed under a consent order prohibiting these practices going forward. \nXXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to CFPBs victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices CFPA : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for errors PRA itself furnished CFPB Director XXXX XXXX called PRA a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits. \nFederal Trade Commission ( FTC ) Enforcement Portfolio Recovery Associates Year : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : PRA was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings : PRAs collection letters violated Section 5 of the FTC Act , which prohibits unfair or deceptive practices PRA also violated the FDCPA, specifically : o 807 ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt o 807 ( 10 ) : Use of false representation or deceptive means to collect a debt o 809 ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : PRA agreed to a consent decree with the FTC Required to change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove My Case 1. Pattern of Misrepresentation Federal courts have ruled that PRA : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that PRA : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute 2. Violation of Dispute Rights In the XXXX CFPB judgment, the court found PRA : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute 3. Legal Precedent for Deletion The CFPBs XXXX final judgment required PRA to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : PRAs reporting practices are unlawful Deletion is the correct remedy Consumers like me are entitled to relief 4. Repeat Offender Status Federal courts and agencies have labeled PRA a repeat offender : Violated XXXX CFPB consent order Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. \nMy Leverage Federal rulings confirm : PRAs practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by PRA PRA reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( XXXX XXXXXXXX ) Not open, revolving, or accessible to the consumer Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information PRA misrepresented the account status, inflating credit utilization and misleading lenders.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update PRA failed to correct the misclassification after multiple disputes. \nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access.\n\nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy XXXX displayed a status that contradicts the original creditors records and PRAs own CFPB response. \nSECTION : Type of Loan Debt Buyer Misclassification by PRA PRA reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from PRA, which is false Confuses asset ownership with consumer liability Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information PRA misclassified the loan type, misleading the nature and origin of the debt.\n\nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Reporting a third-party purchase as a direct loan is a false claim of origin and enforceability.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update PRA failed to update the loan type to reflect the original product ( e.g., credit card ). \nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. \nSECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX XXXX XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. \nCharge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. \nXXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. \nIn many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. \nIRS Reporting Implications XXXX XXXX issued a Form 1099-C ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX \nOnce canceled, the debt is no longer legally enforceable, and any attempt to collect or report it constitutes double recovery, which is unlawful. \nPRA, as the purchaser, can not legally reclassify the debt as a new loan or report it as an Open account under the consumers name.\n\nOwnership Transfer and Legal Status PRA purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. \nThis transaction is strictly between PRA and XXXX XXXXthe consumer was not a party to the sale. \nPRA now owns the collection rights, but not the original contract or terms.\n\nReporting the account as Open falsely implies an active relationship and ongoing liability, which violates federal law. \nViolations Triggered by Misclassification Federal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct and update after dispute FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of any debt FDCPA 807 ( 10 ) Use of deceptive means to collect a debt FDCPA 809 ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if 1099-C was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad debt deduction rules Strategic Conclusion XXXX XXXX has already claimed the debt as a loss and been compensated. PRAs reporting of this account as Open and Debt Buyer misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines.\n\nSECTION : PRAs Long-Term Ownership and Monetization Contradiction Portfolio Recovery Associates , LLC ( PRA ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, PRA may have : Claimed the account as a business bad debt deduction under IRS Topic No. 453 and Publication 535 Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad Debt Deduction Rules According to IRS Topic No. 453 and Publication 535 : A business may deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If PRA : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, PRA has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files.\n\nInsurance Recovery Risk If PRA : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, PRA has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law.\n\nLegal Contradiction PRA can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of legal status IRS Code PRA collects on a canceled or deducted debt, it triggers an unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. \nDEMAND FOR ACTION I am requesting the following actions be taken immediately : 1. Permanent deletion of the PRA Group account # XXXX from XXXX XXXX XXXX XXXX under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 3 ).\n\n2. Confirmation that no future furnishers, including PRA Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, or any third-party collector, may reinsert this account or any derivative into my credit reports without : o Full validation o Written consent from me o Notification to all bureaus per FCRA 611 ( a ) ( 5 ) ( B ) 3. Regulatory review of PRA Groups misrepresentation to the CFPB and breach of reinvestigation timelines. \nThis contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-16T18:21:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"15982512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-16T18:20:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>false</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[12.705404,"15982512"]},{"_index":"complaint-public-v1","_id":"15977223","_score":11.686775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"# # CFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, XXXX, and XXXX  XXXX Despite submitting two separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. \n\nI submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) * *.\n\n-- - # # # Violations Documented : - * * FCRA 611 ( a ) ( 5 ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. \n- * * FCRA 623 ( a ) ( 3 ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. \n- * * FDCPA 807 : * * Misrepresentation of resolution status and failure to cease collection activity. \n- * * CFPB Oversight Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. \n\n-- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. \nXXXX. * * Audit XXXX  certification of accuracy * * and reinsertion logs across all three bureaus. \nXXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. \nXXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. \n\n-- - # # # Supporting Documents : - XXXX  duplicate response letters- Credit reports from Equifax, XXXX, and XXXX  - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It May Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across XXXX, Equifax, and XXXX, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. \nXXXX  REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet XXXX  shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. \nEQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : XXXX XXXX XXXX  : Original Creditor XXXX  Status : XXXX XXXX XXXX  XXXX XXXX XXXX \nAccount History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for 2+ years, unresolved status, confirming the data was unverifiable and or improperly furnished. \nXXXX  REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated XXXX XXXX XXXX Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet XXXX  continues reporting the account with no payment activity or verified updates. \nXXXX  FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable Federal, State and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account ending in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, XXXX  and XXXX  ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and other XXXX XXXX XXXX and local law, and industry guidelines. XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( XXXX  XXXX ) XXXX credit card account ending in XXXX from XXXX  XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX  and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits XXXX  ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \nContradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb Known Practices & Risks XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX itself furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. \nCFPB Enforcement Actions Against XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was placed under a consent order prohibiting these practices going forward. \nXXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to CFPBs victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices CFPA : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for errors XXXX itself furnished CFPB Director Rohit Chopra called XXXX a repeat offender, stating : After getting caught red-handed in XXXX, XXXX XXXX XXXX  continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits. \nFederal Trade Commission ( FTC ) Enforcement Portfolio XXXX XXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings : XXXX collection letters violated Section 5 of the FTC Act , which prohibits unfair or deceptive practices XXXX also violated the FDCPA, specifically : o 807 ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt o 807 ( 10 ) : Use of false representation or deceptive means to collect a debt o 809 ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed to a consent decree with the FTC Required to change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case 1. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion 2. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your XXXX, Equifax, and XXXX  records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute 3. Legal Precedent for Deletion The CFPBs XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief 4. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB consent order Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. \nMy Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( XXXX XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information XXXX misrepresented the account status, inflating credit utilization and misleading lenders. \nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. \nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. \nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and XXXX  own CFPB response. \nSECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. \nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Reporting a third-party purchase as a direct loan is a false claim of origin and enforceability.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). \nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. \nSECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX XXXX  XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict XXXX  current reporting and collection practices. \nCharge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. \nXXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. \nIn many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. \nIRS Reporting Implications Capital One issued a Form 1099-C ( Cancellation of Debt ), the debt is considered canceled under IRS regulations .\n\nOnce canceled, the debt is no longer legally enforceable, and any attempt to collect or report it may constitute double recovery, which is unlawful. \nXXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an Open account under the consumers name. \nOwnership Transfer and Legal Status XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. \nThis transaction is strictly between XXXX and XXXX XXXXthe consumer was not a party to the sale. \nXXXX now owns the collection rights, but not the original contract or terms. \nReporting the account as Open falsely implies an active relationship and ongoing liability, which violates federal law.\n\nViolations Triggered by Misclassification Federal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct and update after dispute FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of any debt FDCPA 807 ( 10 ) Use of deceptive means to collect a debt FDCPA 809 ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if 1099-C was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad debt deduction rules Strategic Conclusion XXXX XXXX has already claimed the debt as a loss and been compensated. XXXX  reporting of this account as Open and Debt Buyer misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. \nSECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. 453 and Publication 535 Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad Debt Deduction Rules According to IRS Topic No. 453 and Publication 535 : A business may deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. \nInsurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. \nLegal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of legal status IRS Code XXXX collects on a canceled or deducted debt, it may trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. \nDEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from XXXX, Equifax, and XXXX  under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 3 ).\n\n2. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, or any third-party collector, may reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions may be made to my credit reports regarding any account furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX  XXXX XXXX  XXXX XXXX XXXX or any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA 807.\n\no Notification to all bureaus per FCRA 611 ( a ) ( 5 ) ( B ) 3. Regulatory review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. \nXXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement.","date_sent_to_company":"2025-09-16T19:39:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"15977223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-16T19:38:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>false</em>."],"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":[11.686775,"15977223"]},{"_index":"complaint-public-v1","_id":"15984100","_score":11.675717,"_source":{"product":"Credit card","complaint_what_happened":"# # CFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * PRA account ending in XXXX * * Previous CFPB Complaint IDs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : I am submitting this third complaint regarding Portfolio Recovery Associates , LLC ( PRA ) and their continued furnishing of disputed information to XXXX XXXX XXXX XXXX XXXX Despite submitting two separate complaints through CFPB ( IDs listed above ), PRA responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. \n\nI submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same PRA account. PRA did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX  Violations Documented : - * * FCRA 611 ( a ) ( 5 ) ( B ) : * * PRA continues reporting without notifying me in writing before reinsertion or correction.\n\n- * * FCRA 623 ( a ) ( 3 ) : * * PRA furnishes information they know is disputed and potentially inaccurate.\n\n- * * FDCPA 807 : * * Misrepresentation of resolution status and failure to cease collection activity.\n\n- * * CFPB Oversight Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. XXXX XXXX XXXX XXXX XXXX Requested Action : 1. * * Reopen both prior complaints * * and investigate PRAs duplicate responses.\n\n2. * * Audit PRAs certification of accuracy * * and reinsertion logs across all three bureaus.\n\n3. * * Require PRA to provide full validation documentation * *, including chain of custody, billing history, and signed agreements.\n\n4. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradictionXXXX XXXX XXXX XXXX XXXX XXXX  Supporting Documents : - PRAs duplicate response letters- Credit reports from XXXX XXXX XXXX XXXX  - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the PRA Group account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by PRA Group in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. \nEXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : PRA claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. \nXXXX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX XXXX XXXX XXXX XXXX \nAccount History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : PRA claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for 2+ years, unresolved status, confirming the data was unverifiable and or improperly furnished. \nXXXX REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : PRA claims resolution, yet XXXX continues reporting the account with no payment activity or verified updates. \nPRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( PRA ) takes compliance with all applicable Federal, State and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that PRA violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the PRA account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA is a \" Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, PRA is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, XXXX XXXX XXXX XXXX  ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and other Federal , State and local law, and industry guidelines. PRA purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card account ending in XXXX from XXXX XXXXXXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX  and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit PRA from contacting a consumer regarding a debt. PRA furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time.\n\nContradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and XXXX has suppressed it and current disputes across all three bureaus and cfpb Known Practices & Risks Portfolio Recovery Associates , LLC PRA is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that PRA itself furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA.\n\nCFPB Enforcement Actions Against Portfolio Recovery Associates , LLC XXXX CFPB Order Penalty : Over {$27.00} million in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices CFPA : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not PRA was placed under a consent order prohibiting these practices going forward. \nXXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} million civil penalty to CFPBs victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices CFPA : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for errors PRA itself furnished CFPB XXXX XXXX XXXX XXXX PRA a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits. \nFederal Trade Commission ( FTC ) Enforcement Portfolio Recovery Associates Year XXXX XXXX XXXX XXXX XXXX XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : PRA was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings : PRAs collection letters violated Section 5 of the FTC Act , which prohibits unfair or deceptive practices PRA also violated the FDCPA, specifically : o 807 ( 2 ) ( A ) : False representation of the character, amount, or legal status of any debt o 807 ( 10 ) : Use of false representation or deceptive means to collect a debt o 809 ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : PRA agreed to a consent decree with the FTC Required to change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case 1. Pattern of Misrepresentation Federal courts have ruled that PRA : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that PRA : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found PRA : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your XXXX XXXX XXXX XXXX records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The CFPBs XXXX final judgment required PRA to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : PRAs reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief 4. Repeat Offender Status Federal courts and agencies have labeled PRA a repeat offender : Violated XXXX CFPB consent order Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. \nMy Leverage Federal rulings confirm : PRAs practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by PRA PRA reported the account as Open on XXXX which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( XXXX XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information PRA misrepresented the account status, inflating credit utilization and misleading lenders.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update PRA failed to correct the misclassification after multiple disputes.\n\nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access.\n\nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response.\n\nSECTION : Type of Loan Debt Buyer Misclassification by PRA PRA reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from PRA, which is false Confuses asset ownership with consumer liability Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information PRA misclassified the loan type, misleading the nature and origin of the debt.\n\nFDCPA 807 ( 2 ) ( A ) False Representation of Legal Status Reporting a third-party purchase as a direct loan is a false claim of origin and enforceability.\n\nFCRA 623 ( a ) ( 2 ) Duty to Correct and Update PRA failed to update the loan type to reflect the original product ( e.g., credit card ).\n\nFCRA 607 ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters.\n\nSECTION : Charge-Off, IRS Reporting , and Ownership Contradiction XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. \nCharge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. \nXXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. \nIn many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. \nIRS Reporting Implications XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX \nOnce canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. \nPRA, as the purchaser, can not legally reclassify the debt as a new loan or report it as an Open account under the consumers name.\n\nOwnership Transfer and Legal Status PRA purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. \nThis transaction is strictly between PRA and XXXX Onethe consumer was not a party to the sale. \nXXXXA now owns the collection rights, but not the original contract or terms.\n\nReporting the account as Open falsely implies an active relationship and ongoing liability, which violates federal law.\n\nViolations Triggered by Misclassification Federal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct and update after dispute FCRA 611 ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA 607 ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of any debt FDCPA 807 ( 10 ) Use of deceptive means to collect a debt FDCPA 809 ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if 1099-C was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad debt deduction rules Strategic Conclusion XXXX XXXX has already claimed the debt as a loss and been compensated. PRAs reporting of this account as Open and Debt Buyer misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines.\n\nSECTION : PRAs Long-Term Ownership and Monetization Contradiction Portfolio Recovery Associates , LLC ( PRA ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, PRA has : Claimed the account as a business bad debt deduction under IRS Topic No. 453 and Publication 535 Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad Debt Deduction Rules According to IRS Topic No. 453 and Publication 535 : A business may deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If PRA : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, PRA has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files.\n\nInsurance Recovery Risk PRA : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, PRA has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law.\n\nLegal Contradiction PRA can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of legal status IRS Code PRA collects on a canceled or deducted debt, it may trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA 611 ( a ) ( 5 ) ( A ), reinsertion protection under 611 ( a ) ( 5 ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines.\n\nDEMAND FOR ACTION I am requesting the following actions be taken immediately : 1. Permanent deletion of the PRA Group account # XXXX from XXXX XXXX XXXX XXXX  under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 3 ).\n\n2. Confirmation that no future furnishers, including PRA Group XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or any third-party collector, may reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions may be made to my credit reports regarding any account furnished by Portfolio Recovery Associates , LLC ( PRA ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA 807.\n\no Notification to all bureaus per FCRA 611 ( a ) ( 5 ) ( B ) 3. Regulatory review of PRA Groups misrepresentation to the CFPB and breach of reinvestigation timelines.\n\n4. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement.","date_sent_to_company":"2025-09-16T19:39:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"15984100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-16T19:11:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>false</em>."],"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":[11.675717,"15984100"]},{"_index":"complaint-public-v1","_id":"16636167","_score":11.663393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB Complaint Draft : Reinsertion Violation & Regulatory Failure * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a XXXX offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement XXXX XXXX XXXXXXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, EquifaxXXXX XXXX XXXX XXXX ; investigate and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-16T09:30:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>false</em>."],"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":[11.663393,"16636167"]},{"_index":"complaint-public-v1","_id":"16636169","_score":11.599772,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. \n\nCFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the XXXX XXXX account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by XXXX XXXX in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio XXXX XXXX XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction XXXX XXXX XXXX XXXX XXXX ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the XXXX XXXX account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. \n\nhere XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \n\nXXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \n\nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX.","date_sent_to_company":"2025-10-16T09:30:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16636169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-16T09:30:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>false</em>."],"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":[11.599772,"16636169"]},{"_index":"complaint-public-v1","_id":"16619422","_score":11.412353,"_source":{"product":"Debt collection","complaint_what_happened":"The files reveal the contradictions and violation citations committed by XXXX XXXX and XXXX XXXX Bank XXXX XXXX. CFPB XXXX XXXX : XXXX XXXX XXXX XXXX XXXX * * Subject : * * Repeat Dispute Mishandling, Duplicate Responses from XXXX, and Reinsertion Violations Across All Three Bureaus * * Consumer Name : * * XXXX XXXX XXXX * * Account in Question : * * XXXX account ending in XXXX * * Previous CFPB Complaint IDs : * * - XXXX - XXXX -- - # # # Summary of Complaint : I am submitting this third complaint regarding Portfolio Recovery Associates , LLC XXXX XXXX ) and their continued furnishing of disputed information to Equifax, TransUnion, and Experian XXXX Despite submitting XXXX separate complaints through CFPB ( IDs listed above ), XXXX responded with * * identical boilerplate letters * * that failed to address the core contradictions in my dispute file. I submitted a full contradiction archive and copies of all three credit reports showing inconsistent reporting of the same XXXX account. XXXX did not provide full validation, did not reconcile the contradictions across bureaus, and did not notify me in writing before continuing to report the account * * a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ) * *. -- - # # # Violations Documented : - * * FCRA XXXX ( a ) ( XXXX ) ( B ) : * * XXXX continues reporting without notifying me in writing before reinsertion or correction. - * * FCRA XXXX ( a ) ( XXXX ) : * * XXXX furnishes information they know is disputed and potentially inaccurate. - * * FDCPA XXXX : * * Misrepresentation of resolution status and failure to cease collection activity. - * * CFPB XXXX Failure : * * CFPB closed both prior complaints despite unresolved contradictions and duplicate responses. -- - # # # Requested Action : XXXX. * * Reopen both prior complaints * * and investigate PRAs duplicate responses. XXXX. * * XXXX PRAs certification of accuracy * * and reinsertion logs across all three bureaus. XXXX. * * Require XXXX to provide full validation documentation * *, including chain of custody, billing history, and signed agreements. XXXX. * * Investigate CFPBs internal handling of repeat complaints * * and failure to escalate systemic contradiction. -- - # # # Supporting Documents : - PRAs duplicate response letters- Credit reports from Equifax, TransUnion, and Experian - Contradiction archive submitted via CFPB - Timeline of disputes and bureau responses To Whom It XXXX Concern, I am submitting this formal contradiction and override demand regarding the PRA Group account # XXXX, which has been inaccurately and inconsistently reported across Experian, Equifax, and TransUnion, and misrepresented by PRA Group in their response to the Consumer Financial Protection Bureau ( CFPB ). Below is a full forensic breakdown of the contradictions and breaches, followed by PRAs full response to the CFPB for direct comparison. EXPERIAN REPORT Provided by Me Account opened XX/XX/XXXX, status frozen since XX/XX/XXXX Balance updated XX/XX/XXXX, with no status refresh Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX No payments, no resolution, no verified activity Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet Experian shows unresolved dispute, delayed reinvestigation, and frozen status for 4 years. EQUIFAX REPORT Fully Expanded Date of Last Reported Update : XX/XX/XXXX Balance Amount : {$790.00} Date of First Delinquency : XX/XX/XXXX Date of Last Payment : Blank Actual Payment Amount : Blank Scheduled Payment Amount : Blank Date of Last Activity : Blank Charge-Off Amount : Blank Deferred Pay Start Date : Blank Balloon Pay Date : Blank Balloon Pay Amount : Blank Date Closed : Blank Status : Blank Type of Account : Open Type of Loan : Debt Buyer Whose Account : Individual Portfolio Indicator : Original Creditor Portfolio Status : XXXX XXXX Bank XXXX XXXX XXXX Account History Status Codes : Collection from XX/XX/XXXX to XX/XX/XXXX Dispute Status : Disputed from XX/XX/XXXX to Present Resolution Comment : Consumer disagrees after resolution Final Status Before Deletion : Collection account remains on report Current Status : dispute active Contradiction : XXXX claimed no dispute was received and that validation resolved the issue. Equifax shows a continuous dispute for XXXX years, unresolved status, confirming the data was unverifiable and or improperly furnished. TRANSUNION REPORT Provided by Me Account opened XX/XX/XXXX, balance {$790.00} Status frozen since XX/XX/XXXX, balance updated Sep 12, 2025 Monthly C ( Collection ) status from XX/XX/XXXX to XX/XX/XXXX Balance history : Static from XX/XX/XXXX to XX/XX/XXXX, {$0.00} paid Disputes logged : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation processed only in XX/XX/XXXX Consumer statement : THIS ACCOUNT SHOULD NOT BE IN COLLECTIONS AND SHOULD BE REMOVED FROM MY REPORT Bureau comment : Completed investigation of FCRA dispute consumer disagrees Contradiction : XXXX claims resolution, yet TransUnion continues reporting the account with no payment activity or verified updates. PRAs FULL CFPB RESPONSE both times the same boilerplate response provided by me Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) takes compliance with all applicable XXXX, XXXX and local laws very seriously. We investigated the complaint and found no records supporting the allegation of misconduct, including, without limitation, that XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ) and/or any other misconduct cited in this complaint regarding the XXXX account XXXX in XXXX. We will continue to honor the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( Capital XXXX ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We have no record of a response, or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which was similar to the dispute made in this complaint. In response to that dispute, we sent the consumer a letter, a copy of which is attached, with validating documentation from the original account. The expiration of a statute of limitations limits PRAs ability to pursue legal actions but does not otherwise prohibit XXXX from contacting a consumer regarding a debt. XXXX furnished information from the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. In response to this complaint, we reinvestigated the account and are sending the consumer a letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. Contradiction : PRAs response denies receiving disputes, claims resolution, and deflects responsibility to the bureaus. Yet all three bureaus show disputes, delayed reinvestigation, unresolved status, and Equifax has suppressed it and current disputes across all three bureaus and cfpb XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX is known to : Report debts to credit bureaus for years without resolution File lawsuits against consumers who dont respond to collection attempts Misclassify accounts, such as reporting debt buyer accounts as open loans Delay or deny reinvestigation of disputes Blame credit bureaus for reporting errors that XXXX XXXX furnished These practices reflect a pattern of systemic abuse and data manipulation that directly contradict their claims to the CFPB and violate multiple provisions of the FCRA and FDCPA. CFPB XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX CFPB Order Penalty : Over {$27.00} XXXX in consumer refunds and civil fines Violations : FDCPA : Deceptive debt collection practices XXXX : Misleading affidavits and false legal claims Key Findings : o Collected on unsubstantiated debt o Filed misleading affidavits in court o Misrepresented intent to prove debts if contested o Sued on time-barred debt ( outside statute of limitations ) o Claimed debts were legally enforceable when they were not XXXX was XXXX under a consent order prohibiting these practices going forward. XXXX CFPB Action Penalty : Over {$24.00} XXXX total {$12.00} XXXX in consumer restitution {$12.00} XXXX civil penalty to XXXX victims relief fund Violations : FCRA : Failure to properly investigate and resolve credit reporting disputes FDCPA : Continued illegal debt collection practices XXXX : Violated multiple provisions of the XXXX consent order Key Findings : Collected on unsubstantiated debt Sued consumers without documentation Threatened legal action without intent or basis Collected on time-barred debt without required disclosures Failed to provide validation documents within 30 days Blamed credit bureaus for XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX a repeat offender, stating : After getting caught red-handed in XXXX, Portfolio Recovery Associates continued XXXX XXXX XXXX through intimidation, deception, and illegal debt collection tactics and lawsuits. Federal Trade Commission ( FTC ) Enforcement Portfolio Recovery Associates XXXX : XXXX Penalty : {$2.00} XXXX Cause : Deceptive debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) Key Violations : XXXX was accused of misrepresenting consumers rights in debt collection notices Sent letters that falsely implied consumers could not dispute debts Failed to disclose that consumers had the right to request verification of the debt Misled consumers about the legal status and enforceability of time-barred debts Used language that threatened legal action without intent or basis FTC Findings XXXX XXXX collection letters violated Section XXXX of the FTC XXXX XXXX which prohibits unfair or deceptive practices XXXX also XXXX the FDCPA, specifically : o XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of any debt o XXXX ( XXXX ) : Use of false representation or deceptive means to collect a debt o XXXX ( a ) : Failure to notify consumers of their right to dispute the debt Outcome : XXXX agreed XXXX a consent decree with the FTC Required XXXX change its collection practices, including : o Clear disclosure of dispute rights o No threats of legal action unless substantiated o No collection on time-barred debts without proper notice How Federal Court Rulings Prove Your Case XXXX. Pattern of Misrepresentation Federal courts have ruled that XXXX : Sued consumers without documentation Misrepresented the validity and enforceability of debts Filed affidavits they knew were false or misleading Collected on time-barred debts without proper disclosures These rulings directly support your claim that XXXX : Reported unverifiable debt to credit bureaus Falsely claimed resolution to the CFPB Continued collection despite dispute and deletion XXXX. Violation of Dispute Rights In the XXXX CFPB judgment, the court found XXXX : Failed to investigate disputes Improperly rejected valid consumer disputes as frivolous Did not maintain policies to ensure accuracy of credit reporting This aligns with your Experian, Equifax, and TransUnion records showing : Delayed reinvestigation Ongoing disputes ignored for years No updates or corrections after dispute XXXX. Legal Precedent for Deletion The XXXX XXXX final judgment required XXXX to : Pay {$12.00} XXXX in consumer restitution Delete unverifiable accounts Reform dispute handling and credit reporting practices This sets a legal precedent that : XXXX reporting practices are unlawful Deletion is the correct remedy Consumers like you are entitled to relief XXXX. Repeat Offender Status Federal courts and agencies have labeled XXXX a repeat offender : Violated XXXX CFPB XXXX XXXX Fined again in XXXX for the same conduct Ignored prior federal mandates This proves systemic misconductnot an isolated errorand strengthens my demand for permanent deletion and regulatory review. My Leverage Federal rulings confirm : XXXX practices are legally documented violations my dispute history matches known patterns of abuse I am entitled to deletion, protection from reinsertion, and regulatory enforcement SECTION : Type of Account Open Misclassification by XXXX XXXX reported the account as Open on Equifax, which falsely implies : An active credit line or revolving account Ongoing access to borrowed funds A direct relationship between the consumer and the furnisher This is categorically false. The account is : A charged-off debt purchased by a third party Closed by the original creditor ( Capital XXXX ) Not open, revolving, or accessible to the consumer Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misrepresented XXXX account status, inflating credit utilization and misleading lenders. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to correct the misclassification after multiple disputes. FDCPA XXXX ( XXXX ) ( A ) False Representation of Legal Status Labeling a closed, charged-off debt as Open falsely implies ongoing liability and access. FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Equifax displayed a status that contradicts the original creditors records and PRAs own CFPB response. SECTION : Type of Loan Debt Buyer Misclassification by XXXX XXXX reported the Type of Loan as Debt Buyer across multiple bureaus. This is not a loan productits a description of PRAs business model. This classification : Does not reflect any loan agreement signed by the consumer Misrepresents the nature of the obligation Implies the consumer borrowed directly from XXXX, which is false Confuses asset ownership with consumer liability Violations FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX misclassified the loan type, misleading the nature and origin of the debt. FDCPA XXXX ( XXXX ) ( A ) False Representation of XXXX XXXX XXXX a third-party purchase as a direct loan is a false claim of origin and enforceability. FCRA XXXX ( a ) ( XXXX ) Duty to Correct and Update XXXX failed to update the loan type to reflect the original product ( e.g., credit card ). FCRA XXXX ( b ) CRA Duty to Ensure Maximum Possible Accuracy Credit bureaus accepted and displayed a misclassification that harms consumers and misleads underwriters. SECTION : Charge-Off, IRS Reporting XXXX and Ownership Contradiction XXXX XXXX Bank XXXX XXXX XXXX charged off the original account, which triggered a series of financial and legal events that directly contradict PRAs current reporting and collection practices. Charge-Off Process A charge-off is an accounting action where the original creditor declares the debt uncollectible and removes it from active assets. XXXX XXXX then claims the charged-off amount as a business loss on its annual tax filings, reducing taxable income. In many cases, the creditor also receives compensation through loss prevention insurance and or by selling the debt to a third-party buyer. IRS XXXX XXXX XXXX XXXX issued a Form XXXX ( Cancellation of Debt ), the debt is considered canceled under IRS regulations XXXX Once canceled, the debt is no longer legally enforceable, and any attempt to collect or report it XXXX constitute double recovery, which is unlawful. XXXX, as the purchaser, can not legally reclassify the debt as a new loan or report it as an XXXX account under the consumers name. Ownership Transfer and XXXX XXXX XXXX purchased the debt from XXXX XXXX as part of a portfolio of charged-off accounts. This transaction is strictly between XXXX and XXXX XXXX consumer was not a party to the sale. XXXX now owns the collection rights, but not the original contract or terms. Reporting the account as XXXX falsely implies an active relationship and ongoing liability, which violates federal law. Violations Triggered by Misclassification Federal Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to correct and update after dispute FCRA XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable or inaccurate data FCRA XXXX ( b ) Credit bureaus must ensure maximum possible accuracy FDCPA XXXX ( XXXX ) ( A ) False representation of the character or legal status of any debt FDCPA XXXX ( XXXX ) Use of deceptive means to collect a debt FDCPA XXXX ( a ) Failure to notify consumers of their right to dispute the debt IRS Violations ( if XXXX was issued ) : Improper collection on canceled debt False asset classification Potential double recovery Violation of IRS bad XXXX deduction rules Strategic Conclusion XXXX XXXX has XXXX claimed the debt as a loss and been compensated. PRAs reporting of this account as XXXX and XXXX XXXX misrepresents the legal status, origin, and enforceability of the debt. This contradiction supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB and IRS enforcement guidelines. SECTION : XXXX Long-Term Ownership and Monetization Contradiction Portfolio Recovery Associates , LLC ( XXXX ) has held this account for a duration sufficient to trigger its own financial reporting obligations. Under IRS regulations and standard corporate accounting practices, XXXX has : Claimed the account as a business bad debt deduction under IRS Topic No. XXXX and Publication XXXX Reported the account as a business loss on its annual income tax filings Recovered the value through loss prevention insurance or internal portfolio write-downs IRS Bad XXXX Deduction Rules According to IRS Topic XXXX. XXXX and Publication XXXX : A business XXXX deduct a debt that becomes wholly or partially worthless during the tax year The deduction must be claimed in the year the debt is deemed uncollectible The business must demonstrate reasonable efforts to collect before declaring it worthless If XXXX : Held the account for multiple years Failed to collect any payments Continued reporting it as Open despite no verified activity Then, XXXX has already claimed the debt as worthless for tax purposeswhile still reporting it as active on consumer credit files. Insurance Recovery Risk XXXX : Insured its portfolio against non-performing assets Received compensation for this account Continued reporting or collecting on it Then, XXXX has engaged in double monetization, which could trigger insurance fraud exposure under state and federal law. Legal Contradiction XXXX can not : Claim the debt as a business loss Recover its value through tax deductions or insurance And still report the account as Open and collectible under the consumers name This contradiction violates : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of legal status IRS XXXX XXXX collects on a canceled or deducted debt, it XXXX trigger unlawful double recovery Strategic Conclusion PRAs long-term ownership and monetization of this account contradict its continued reporting as an active liability. This supports permanent deletion under FCRA XXXX ( a ) ( XXXX ) ( A ), reinsertion protection under XXXX ( a ) ( XXXX ) ( B ), and regulatory review under CFPB, IRS, and insurance enforcement guidelines. DEMAND FOR ACTION I am requesting the following actions be taken immediately : XXXX. Permanent deletion of the PRA Group account # XXXX from Experian, Equifax, and TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). XXXX. Confirmation that no future furnishers, including PRA Group XXXX XXXX XXXX Bank XXXX XXXX, or any third-party collector, XXXX reinsert this account or any derivative into my credit reports without : o No updates, corrections, or reinsertions XXXX be made to my credit reports regarding any account furnished by Portfolio Recovery Associates , LLC ( XXXX ), Capital XXXX Bank XXXX XXXX XXXX XXXX any third-party debt collector or debt buyer, without my explicit written consent. Any attempt to do so without my agreement constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and FDCPA XXXX o Notification to all bureaus per FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX. XXXX review of XXXX XXXX misrepresentation to the CFPB and breach of reinvestigation timelines. XXXX. Investigate pra via CFPB, FTC, other law enforcement, and agencies This contradiction is now archived for legacy-grade breach documentation and survivor-centered override enforcement. here XXXX the XXXX boiler plate responses from pra llc that also are invalid Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. XXXX XXXX bank XXXX XXXX response This complaint lists someone the company does not recognize as their customer or their customers authorized representative. We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX have the right to collect, but XXXX XXXX Bank XXXX XXXX XXXX XXXX am not on the account or an authorized user or representative of the account. Therefore, this seems to be an illegal and deceptive collection by XXXX XXXX. \npra llc boilerplate response Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( XXXX ) investigated the complaint and verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX is a \" XXXX XXXX '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from those who owe such debt. In so doing, XXXX is committed to : obtain and maintain appropriate licenses and registrations to engage in its business practices in each jurisdiction in which it collects ; provide appropriate notifications ; validate account information ; investigate and resolve account-related disputes ; verify the integrity and accuracy of account information furnished to the consumer reporting agencies, Equifax, Experian and TransUnion ; XXXX and resolve credit reporting and identity theft related disputes ; and safeguard information, all in accordance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act as amended, the Gramm-Leach-Bliley Act ; implementing regulations of the Consumer Financial Protection Bureau ; and XXXX XXXX XXXX XXXX and local law, and XXXX guidelines. XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( \" XXXX XXXX \" ) XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$790.00} was due on the account at the time of XXXX XXXX purchase. We sent our initial notification letter to the consumer on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. XXXX furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau XXXX XXXX, state and local law, and industry guidelines. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. Our records reflect that we subsequently received, investigated, and responded to several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent the consumer letters, a copy of XXXX which is attached, with validating documentation from the original account. In response to this complaint, we investigated the account and sent the consumer the attached letter with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint or follow-up actions are required at this time. \ncaptiol XXXX response XXXX responded there is an unauthorized third party on XX/XX/XXXX i have included all files","date_sent_to_company":"2025-10-16T09:42:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"16619422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-16T09:31:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["<em>false</em>."],"product":["Debt <em>collection</em>"]},"sort":[11.412353,"16619422"]},{"_index":"complaint-public-v1","_id":"3807986","_score":9.911171,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that Equifax has failed to honor our rights under the FCRA act which gives  us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called Equifax and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling Equifax again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called Equifax to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called Equifax and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against Equifax and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from Equifax. On XX/XX/XXXX, Equifax responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because Equifax kept reporting incorrect information. The complaint read as follows : \" Company reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' Equifax responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX  because I was not successful with Equifax directly. I reviewed the report and called Equifax to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to Equifax regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called Equifax again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again. We are requesting that they refund us for the extra time and money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nEquifax wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise Equifax that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:05:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-21T19:15:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["We are also requesting that you send us an explanation of the methods used and a description of the <em>records</em> reviewed when you conducted your <em>investigation</em> ; including sending copies of that information to us so that we can conduct our own <em>investigation</em> into the accuracy of your <em>records</em> and verify that a reasonable <em>investigation</em> was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.911171,"3807986"]},{"_index":"complaint-public-v1","_id":"3807981","_score":9.891621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that XXXX has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called XXXX  and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling XXXX  again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called XXXX  to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called XXXX  and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against XXXX  and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from XXXX. On XX/XX/XXXX, XXXX  responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because XXXX  kept reporting incorrect information. The complaint read as follows : \" Company reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' XXXX responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from Experian.com because I was not successful with XXXX  directly. I reviewed the report and called XXXX  to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to XXXX  regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called XXXX  again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again. We are requesting that they refund us for the extra time and money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nXXXX wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise XXXX  that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as XXXX  and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:06:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-21T21:06:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["We are also requesting that you send us an explanation of the methods used and a description of the <em>records</em> reviewed when you conducted your <em>investigation</em> ; including sending copies of that information to us so that we can conduct our own <em>investigation</em> into the accuracy of your <em>records</em> and verify that a reasonable <em>investigation</em> was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.891621,"3807981"]},{"_index":"complaint-public-v1","_id":"3807983","_score":9.8558655,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that XXXX has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called XXXX and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling XXXX again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called XXXX to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called XXXX and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against XXXX and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from XXXX. On XX/XX/XXXX, XXXX responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because XXXX kept reporting incorrect information. The complaint read as follows : \" XXXX reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. XXXX didnt resolve the problem. Only made it worse. My XXXX XXXX decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' XXXX responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX because I was not successful with XXXX directly. I reviewed the report and called XXXX to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to XXXX   regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called XXXX again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again. We are requesting that they refund us for the extra time and money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nXXXX wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise XXXX that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:06:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-21T21:06:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["We are also requesting that you send us an explanation of the methods used and a description of the <em>records</em> reviewed when you conducted your <em>investigation</em> ; including sending copies of that information to us so that we can conduct our own <em>investigation</em> into the accuracy of your <em>records</em> and verify that a reasonable <em>investigation</em> was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.8558655,"3807983"]},{"_index":"complaint-public-v1","_id":"16303778","_score":9.38701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Legal Letter ( To Credit Bureaus ) XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX XXXX reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX To : XXXX  Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX  XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \n\nFraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXXXXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \n\nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). \n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability und\n\ner 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees. I declare under penalty of perjury t\nhat the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX. FTC Identity Theft Report Identity Theft Report I, XXXX XXXX XXXX, am submitting this Identity Theft Report to document fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a victim of identity theft and have never applied for, authorized, or executed the lease agreements or related obligations that are being reported against me. \n\nFraudulent accounts at issue : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I never applied for, signed, or entered into a lease agreement with XXXX XXXX XXXX XXXX, nor did I authorize any individual to do so on my behalf. This account was opened without my knowledge or consent and is therefore fraudulent. \n\nXXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at XXXX XXXX XXXX XXXX, never executed a lease agreement with this property, and did not authorize the use of my identity for this transaction. This account was also opened fraudulently and is not valid. \n\nThese fraudulent accounts are now appearing on my credit report, causing significant harm to my creditworthiness and reputation. The reporting of these accounts is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibit the furnishing and collection of debts that are not valid. \n\nI have formally disputed these accounts in writing with the collection agencies and have demanded removal under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), which provides victims of identity theft the right to block fraudulent information from their consumer reports. I have also demanded validation of the debts pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. To date, I have not received legitimate documentation showing that these debts are valid or lawfully associated with me. \n\nTo be clear, I have never lived at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I have never signed a lease agreement with either property, never participated in move-in or move-out inspections, and never received or returned a deposit. I have not received any termination notice, rent ledger, or refund letters because I have never been a tenant at either property. \n\nIn addition, I have never provided copies of my identification, proof of address, bank statements, or utility bills to these entities, nor authorized any person to submit such documents on my behalf. If such documents exist in their files, they were obtained and used without my consent and are therefore fraudulent. \n\nThe impact of this identity theft has been severe. These fraudulent accounts have damaged my credit history and impaired my ability to obtain housing, employment, and credit. The continued reporting of these accounts exposes me to ongoing harm, as prospective landlords, creditors, and employers rely on inaccurate and fraudulent data. \nBy filing this Identity Theft Report, I am documenting that I am the victim of fraud, and I am formally requesting that the Federal Trade Commission recognize these accounts as unauthorized. I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and permanently removed from my credit file. \nI respectfully request that the FTC note the following in support of my position : - Both accounts were opened without my knowledge, authorization, or consent. - I have never had any contractual relationship with XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. - The associated collection agencies National Credit Systems , Inc. and XXXX XXXX XXXX XXXX have failed to provide legally sufficient documentation establishing my liability. - I have disputed these accounts with supporting evidence, including this Identity Theft Report, a copy of my credit report highlighting the fraudulent items, and my correspondence requesting deletion and documentation. - Any lease agreements, inspection reports, correspondence, utility bills, or identification documents allegedly linking me to these accounts are either forged, fabricated, or otherwise fraudulent. \n\nThis report is submitted in good faith and in reliance on the protections afforded to victims of identity theft under federal law. My purpose in submitting this statement is to establish a clear record that these debts do not belong to me and must not be reported, collected, sold, or transferred. \nI declare under penalty of perjury that the statements contained in this Identity Theft Report are true and correct to the best of my knowledge and belief. \nXXXX XXXX XXXX XXXX Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} - - -No Data - - -No Data NATIONAL CREDIT SYSTEMS XXXXXXXX XXXX XXXX  {$2100.00} - - -No Data XXXX. Collection Agencies XXXX XXXX XXXX National Credit Systems , Inc . \nFraud Department RE : Account # XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by National Credit Systems , which is associated with XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize, sign for, or enter into any lease agreement with this property. The account and reported balance of {$2100.00} are fraudulent. \nI request that you : 1. Remove this fraudulent account from your records.\n\n2. Cease reporting this inaccurate information to all credit reporting agencies.\n\n3. Provide me with written confirmation that the account has been deleted. \nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report highlighting this fraudulent item A copy of the FTC Notice to Furnishers outlining your obligations under the Fair Credit Reporting Act ( FCRA ) Under Section XXXX of the FCRA, you are required to block and remove fraudulent information within 14 days of receipt of this notice. Please confirm in writing once this action has been completed. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department RE : Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX. I am a victim of identity theft and did not authorize or enter into any lease agreement with this property. The reported balance of {$15000.00} is fraudulent. \nI request that you : 1. Delete this fraudulent account and all related records.\n\n2. Stop furnishing false information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the deletion. \nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report showing this fraudulent entry A copy of the FTC Notice to Furnishers under the FCRA Per Section 605B of the Fair Credit Reporting Act, you are required to block and remove this fraudulent information within 14 days of this request. Please confirm in writing. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-02T00:47:10.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"16303778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-10-02T00:41:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Delete this fraudulent account and all related <em>records</em>.\n\n2. Stop furnishing <em>false</em> information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the <em>deletion</em>."]},"sort":[9.38701,"16303778"]},{"_index":"complaint-public-v1","_id":"16305052","_score":9.372582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Legal Letter ( To Credit Bureaus ) XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX  ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. \nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX  ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.\n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. \nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. \nFraudulent accounts : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. \nThese accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).\n\nI have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided.\n\nEnclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts.\n\nFailure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.\n\nI declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. \nSincerely, XXXX XXXX XXXX XXXX. FTC Identity Theft Report Identity Theft Report I, XXXX XXXX XXXX, am submitting this Identity Theft Report to document fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a victim of identity theft and have never applied for, authorized, or executed the lease agreements or related obligations that are being reported against me. \nFraudulent accounts at issue : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I never applied for, signed, or entered into a lease agreement with XXXX XXXX XXXX XXXX, nor did I authorize any individual to do so on my behalf. This account was opened without my knowledge or consent and is therefore fraudulent. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX XXXX  reported balance : {$15000.00}. I have never resided at XXXXXXXX XXXX XXXX XXXX, never executed a lease agreement with this property, and did not authorize the use of my identity for this transaction. This account was also opened fraudulently and is not valid. \nThese fraudulent accounts are now appearing on my credit report, causing significant harm to my creditworthiness and reputation. The reporting of these accounts is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibit the furnishing and collection of debts that are not valid. \nI have formally disputed these accounts in writing with the collection agencies and have demanded removal under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), which provides victims of identity theft the right to block fraudulent information from their consumer reports. I have also demanded validation of the debts pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. To date, I have not received legitimate documentation showing that these debts are valid or lawfully associated with me. \nTo be clear, I have never lived at XXXX XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX I have never signed a lease agreement with either property, never participated in move-in or move-out inspections, and never received or returned a deposit. I have not received any termination notice, rent ledger, or refund letters because I have never been a tenant at either property. \nIn addition, I have never provided copies of my identification, proof of address, bank statements, or utility bills to these entities, nor authorized any person to submit such documents on my behalf. If such documents exist in their files, they were obtained and used without my consent and are therefore fraudulent. \nThe impact of this identity theft has been severe. These fraudulent accounts have damaged my credit history and impaired my ability to obtain housing, employment, and credit. The continued reporting of these accounts exposes me to ongoing harm, as prospective landlords, creditors, and employers rely on inaccurate and fraudulent data. \nBy filing this Identity Theft Report, I am documenting that I am the victim of fraud, and I am formally requesting that the Federal Trade Commission recognize these accounts as unauthorized. I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and permanently removed from my credit file. \nI respectfully request that the FTC note the following in support of my position : - Both accounts were opened without my knowledge, authorization, or consent. - I have never had any contractual relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The associated collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to provide legally sufficient documentation establishing my liability. - I have disputed these accounts with supporting evidence, including this Identity Theft Report, a copy of my credit report highlighting the fraudulent items, and my correspondence requesting deletion and documentation. - Any lease agreements, inspection reports, correspondence, utility bills, or identification documents allegedly linking me to these accounts are either forged, fabricated, or otherwise fraudulent. \nThis report is submitted in good faith and in reliance on the protections afforded to victims of identity theft under federal law. My purpose in submitting this statement is to establish a clear record that these debts do not belong to me and must not be reported, collected, sold, or transferred. \nI declare under penalty of perjury that the statements contained in this Identity Theft Report are true and correct to the best of my knowledge and belief. \nXXXX XXXX XXXX XXXX Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$15000.00} - - -No Data - - -No Data XXXX XXXX XXXX XXXX XXXX * {$2100.00} - - -No Data XXXX. Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXXXXXX XXXX RE : Account # XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXXXXXX XXXX which is associated with XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize, sign for, or enter into any lease agreement with this property. The account and reported balance of {$2100.00} are fraudulent. \nI request that you : 1. Remove this fraudulent account from your records.\n\n2. Cease reporting this inaccurate information to all credit reporting agencies.\n\n3. Provide me with written confirmation that the account has been deleted.\n\nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report highlighting this fraudulent item A copy of the FTC Notice to Furnishers outlining your obligations under the Fair Credit Reporting Act ( FCRA ) Under Section 605B of the FCRA, you are required to block and remove fraudulent information within 14 days of receipt of this notice. Please confirm in writing once this action has been completed. \nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Account XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX  I am a victim of identity theft and did not authorize or enter into any lease agreement with this property. The reported balance of {$15000.00} is fraudulent.\n\nI request that you : 1. Delete this fraudulent account and all related records.\n\n2. Stop furnishing false information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the deletion.\n\nEnclosed are : A copy of my FTC Identity Theft Report A copy of my credit report showing this fraudulent entry A copy of the FTC Notice to Furnishers under the FCRA Per Section 605B of the Fair Credit Reporting Act, you are required to block and remove this fraudulent information within 14 days of this request. Please confirm in writing. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-02T00:41:17.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"94509","tags":null,"has_narrative":true,"complaint_id":"16305052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-10-02T00:18:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Delete this fraudulent account and all related <em>records</em>.\n\n2. Stop furnishing <em>false</em> information to the nationwide credit reporting agencies.\n\n3. Provide me with written confirmation of the <em>deletion</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing issue"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[9.372582,"16305052"]},{"_index":"complaint-public-v1","_id":"18027689","_score":8.813593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Notice of Dispute, Credit Reporting Reinvestigation Demand, and Preservation Letter From : XXXX XXXX XXXX ( formerly XXXX ) To : XXXXXXXX XXXX XXXX ( and any affiliates/collectors ) Re : Dispute of Account ( XXXX ) and Credit Reporting ; Wrongful Repossession/Surrender Claim ; Servicing Misconduct ; Disability Discrimination ; Records Demand I. Summary I dispute any claim that I ever voluntarily surrendered my home or lawfully relinquished rights or obligations. I further dispute all negative credit reporting tied to this account and demand full reinvestigation and correction. Throughout my divorce and related safety crises ( XXXX ), I continuously notified you of : ( a ) a Louisiana protective order against XXXX XXXX XXXX ; ( b ) my XXXX XXXX status ; and ( c ) repeated safety, stalking, and housing instability events. Despite this notice, you refused to communicate clearly, failed to provide account documents, and continued collection/credit furnishing based on an alleged voluntary surrender that never occurred. \n\nXXXX. Key Facts ( abridged ) Protective order in Louisiana against XXXX XXXX XXXX XXXX violated multiple times ). \nI was in ongoing contact with your representatives seeking help, documentation, and a payment book in my name ; you refused to provide it while still demanding payment. \nI never signed or consented to any surrender. I was not present for any alleged repossession. \nThere are XXXX loan numbers/agreements from XXXX XXXX XXXX XXXX XXXX dates XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX delivery ), and XXXX instrument lacking proper notarization ; references to chattel appear without clear, explained impact on rights. \nI repeatedly informed you of domestic XXXX, evictions, and danger, and asked for a hardship accommodation. \nYou continued negative credit reporting into XXXX, damaging my access to housing, transportation, education, and employment. \n\nI have phone records ( XXXX ), XXXX allocation letters, receipts, and copies of the conflicting sale/loan/title documents. \n\nXXXX. Louisiana Law Violations ( non-exhaustive ) 1. Improper Voluntary Surrender / Acceptance of Collateral Without Valid Consent Under UCC Art. 9 ( as adopted in Louisiana ), creditor acceptance of collateral in full/partial satisfaction requires * * authenticated consent * * from the debtor after default, with a meaningful opportunity to object. See La. XXXX. XXXX, XXXX, XXXX. Any alleged surrender without my authenticated, post-default consent is invalid. Notice of any intended disposition must be sent. See La. XXXX. XXXX to XXXX. \nXXXX. Defective Notarization/Execution of XXXX XXXX authentic act requires proper execution before a notary and XXXX witnesses ; defects can affect validity. La. XXXX. Code arts. XXXX. If signatures were on different days ( e.g., spouse offshore ) without proper formalities/procuration, or a document lacks valid notarization, the instrument XXXX be invalid or unenforceable as written. \nXXXX. Unfair/Deceptive Acts & Practices Louisiana Unfair XXXX Practices Act ( XXXX ), La. XXXX. XXXX et seq. prohibits unfair/deceptive acts. Misstating a voluntary surrender, refusing basic account documents while demanding payment, and leveraging confusion during domestic-violence hardship are unfair/deceptive. \nXXXX. Manufactured Home Status/Title Irregularities A manufactured home XXXX be a movable unless properly immobilized ; title/recordation issues matter. See La. XXXX. XXXX et seq. and La. XXXX. XXXX ( immobilization of manufactured homes ). Conflicting dates and chattel references without disclosure/clarity support title/secured-interest irregularities. \nIV. Federal Law Violations ( non-exhaustive ) 1. Fair Credit Reporting Act ( FCRA ) Furnishers must report with maximum accuracy and investigate disputes from CRAs. See 15 U.S.C. 1681s-2 ( a ) & ( b ) ; 1681e ( b ) ; Reg V , 12 C.F.R. 1022.42 ( direct disputes ). Continuing to report a false voluntary surrender/repossession or an incorrect responsibility allocation after dispute is unlawful.\n\n2. Truth in Lending Act ( TILA ) & Reg Z ( 12 C.F.R. Part 1026 ) Requires clear, accurate disclosures of terms, finance charges, security interests ( including any chattel interest ), and delivery dates/amounts. Inconsistent/defective disclosures or failure to provide copies violates 15 U.S.C. 1601 et seq.\n\n3. Real Estate Settlement Procedures Act ( RESPA ) & Reg X ( 12 C.F.R. Part 1024 ) ( to the extent the loan/servicing falls within RESPAs scope ) Error resolution and information requests must be timely acknowledged and answered ( 12 C.F.R. 1024.351024.36 ). Continuity of contact and loss-mitigation/early-intervention rules ( 1024.391024.41 ) require reasonable assistance during hardship. Stonewalling document requests and ignoring hardship communications violates 12 U.S.C. 2605 and Reg X.\n\n4. Equal Credit Opportunity Act ( ECOA ) & Reg B ( 12 C.F.R. Part 1002 ) Creditors may not discriminate against an applicant because income is from public assistance ( SSI ) and must provide adverse-action notices when required. See 15 U.S.C. 1691 ( a ) ; 12 C.F.R. 1002.2, 1002.9. Your treatment of my SSI and refusal to treat me as a responsible party while still demanding payment raises ECOA concerns.\n\n5. Americans with Disabilities Act ( ADA ) Title III Lenders/finance companies are public accommodations and must provide reasonable modifications in policies and effective communication to people with disabilities. 42 U.S.C. 12182 ; 28 C.F.R. pt. 36. Refusing to accommodate communication, documentation access, and safety-related scheduling during an active protective order and disability is unlawful.\n\n6. Fair Housing Act ( FHA ) Disability Discrimination in Housing-Related Transactions Prohibits discrimination in residential real-estate related transactions, including lending/servicing. See 42 U.S.C. 3604, 3605. Ignoring documented disability/safety needs while pursuing adverse action can violate the FHA.\n\nIf third-party collectors were used : FDCPA, 15 U.S.C. 1692 et seq. bars false representations ( e.g., claiming a voluntary surrender ) and unfair practices.\n\nV. Demands 1. Credit Reporting Fix ( FCRA ) Within 30 days, conduct and complete a reasonable reinvestigation of all tradelines related to my accounts and provide written results.\n\nDelete or correct any reference to voluntary surrender/repo, misreported responsibility, dates, balances, or delinquencies that flowed from the unlawful handling described above.\n\nProvide me a full furnisher-level investigation file ( policies, ACDV responses, notes, and communications with CRAs ).\n\n2. Complete Account File & Servicing Records ( RESPA/Reg X ; TILA ; UCC ) Provide : ( a ) all loan agreements ( both numbers ), ( b ) all assignments/indorsements, ( c ) title and manufactured home status records ( movable/immobilized ), ( d ) payment histories and payoff/deficiency calculations, ( e ) all notices ( default, intent to repossess, disposition ), ( f ) any alleged surrender consent ( authenticated, post-default ), ( g ) internal call logs and correspondence, and ( h ) loss-mitigation/hardship evaluations.\n\n3. Cure & Restitution Cease all collection/negative furnishing pending resolution.\n\nRetract false credit reporting and issue written confirmations I can send to Experian/Equifax/TransUnion .\n\nCompensate for out-of-pocket losses and consequential damages caused by unlawful credit reporting and servicing conduct ( to be itemized ).\n\nProvide a written ADA policy explanation and propose reasonable modifications going forward.\n\n4. Litigation Hold Preserve all evidence ( digital/physical ) including call recordings, agent notes, system logs, ACDVs/e-OSCAR records, and correspondence with dealers ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. \n\nVI. How to Respond Send the full document set and written response to me within 30 days to this address XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX If you contend a voluntary surrender occurred, identify who, when, where, and produce the authenticated record and all notices required under La. XXXX. XXXX. If you claim I was not a borrower, explain why you demanded payments from me, why you refused a payment book in my name, and why you furnished data about me to CRAs ( FCRA accuracy problem either way ). \n\nXXXX. Notices of Rights Reserved Nothing herein waives any claims under LUTPA, FCRA, TILA/Reg Z , RESPA/Reg X , ECOA/Reg B , ADA, FHA, FDCPA ( if applicable ), Louisiana Civil Code, and UCC Article 9, nor any tort or contract claims ( including wrongful repossession, negligent/intentional misrepresentation, conversion, IIED/NIED, and breach of duty of good faith ). \n\n\nThis is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. \n\nYou falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled two conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws , including : FCRA, TILA, RESPA, ECOA, ADA, FHA, FDCPA ( if applicable ), UCC Article 9, LUTPA, and the Louisiana Civil Code.\n\nYour actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. \n\nTo resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXXXXXX XXXX XXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. \n\nXXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and XXXX years of credit and housing damage. \n\nXXXX. Refund of All Funds I Ever Paid Including down payment, monthly payments, XXXX XXXX funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements. \n\nXXXX. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship XXXX. Full Document Release ( within 30 days ) You must provide : both loan agreements all payment records call logs repossession documents any surrender paperwork dealer communications all XXXX notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ disability enforcement, Louisiana Attorney General LUTPA action, and private litigation.\n\nI have extensive records proving every violation listed.\n\nThis is your opportunity to resolve this matter without escalation. \n\nThis is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. \n\nYou falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled XXXX conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws XXXX including : FCRA, XXXX, RESPA, XXXX, XXXX, FHA, FDCPA ( if applicable ), UCC Article XXXX, XXXX, and the Louisiana XXXX XXXX. \n\nYour actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. \n\nTo resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXX Mortgage XXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. \n\nXXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and seven years of credit and housing damage.\n\n3. Refund of All Funds I Ever Paid Including down payment, monthly payments, SSA disability funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements.\n\n4. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship 5. Full Document Release ( within 30 days ) You must provide : both loan agreements all payme\nnt records call logs repossession documents any surrender paperwork dealer communications all UCC-required notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ disability enforcement, Louisiana Attorney General LUTPA action, and private litigation.\n\nI have extensive records proving every violation listed.\n\nThis is your opportunity to resolve this matter without escalation.","date_sent_to_company":"2025-12-14T16:58:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06002","tags":null,"has_narrative":true,"complaint_id":"18027689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-14T16:57:50.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide me a full furnisher-level <em>investigation</em> file ( policies, ACDV responses, notes, and communications with CRAs ).\n\n2."],"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":[8.813593,"18027689"]},{"_index":"complaint-public-v1","_id":"18027688","_score":8.808251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Notice of Dispute, Credit Reporting Reinvestigation Demand, and Preservation Letter From : XXXX XXXX XXXX ( formerly XXXX ) To XXXX XXXX XXXX XXXX ( and any affiliates/collectors ) Re : Dispute of Account ( s ) and Credit Reporting ; Wrongful Repossession/Surrender Claim ; Servicing MiscXXXX XXXX XXXX Discrimination ; Records Demand I. Summary I dispute any claim that I ever voluntarily surrendered my home or lawfully relinquished rights or obligations. I further dispute all negative credit reporting tied to this account and demand full reinvestigation and correction. Throughout my divorce and related safety crises ( XXXX ), I continuously notified you of : ( a ) a Louisiana protective order against XXXX XXXX XXXX ; ( b ) my XXXX XXXX status ; and ( c ) repeated safety, stalking, and housing instability events. Despite this notice, you refused to communicate clearly, failed to provide account documents, and continued collection/credit furnishing based on an alleged voluntary surrender that never occurred. \n\nXXXX. Key Facts ( abridged ) Protective order in Louisiana against XXXX XXXX XXXX XXXX violated multiple times ). \nI was in ongoing contact with your representatives seeking help, documentation, and a payment book in my name ; you refused to provide it while still demanding payment. \nI never signed or consented to any surrender. I was not present for any alleged repossession. \nThere are XXXX loan numbers/agreements from XXXX XXXX XXXX XXXX XXXX dates ( Dec/Jan sale ; XX/XX/XXXX delivery ), and one instrument lacking proper notarization ; references to chattel appear without clear, explained impact on rights.\n\nI repeatedly informed you of XXXX  XXXX, evictions, and danger, and asked for a hardship accommodation. \nYou continued negative credit reporting into XXXX, damaging my access to housing, transportation, education, and employment. \n\nI have phone records ( XXXX ), XXXX allocation letters, receipts, and copies of the conflicting sale/loan/title documents.\n\nIII. Louisiana Law Violations ( non-exhaustive ) 1. Improper Voluntary Surrender / Acceptance of Collateral Without Valid Consent Under UCC Art. 9 ( as adopted in Louisiana ), creditor acceptance of collateral in full/partial satisfaction requires * * authenticated consent * * from the debtor after default, with a meaningful opportunity to object. See La. R.S. 10:9-620, 10:9-621, 10:9-622. Any alleged surrender without my authenticated, post-default consent is invalid. Notice of any intended disposition must be sent. See La. R.S. 10:9-611 to 10:9-614.\n\n2. Defective Notarization/Execution of Instruments An authentic act requires proper execution before a notary and two witnesses ; defects can affect validity. La. Civ. Code arts. 18331836. If signatures were on different days ( e.g., spouse offshore ) without proper formalities/procuration, or a document lacks valid notarization, the instrument may be invalid or unenforceable as written.\n\n3. Unfair/Deceptive Acts & Practices Louisiana Unfair Trade Practices Act ( LUTPA ), La. R.S. 51:1401 et seq. prohibits unfair/deceptive acts. Misstating a voluntary surrender, refusing basic account documents while demanding payment, and leveraging confusion during domestic-violence hardship are unfair/deceptive.\n\n4. Manufactured Home Status/Title Irregularities A manufactured home may be a movable unless properly immobilized ; title/recordation issues matter. See La. R.S. 9:1149.1 et seq. and La. R.S. 9:5386 ( immobilization of manufactured homes ). Conflicting dates and chattel references without disclosure/clarity support title/secured-interest irregularities.\n\nIV. Federal Law Violations ( non-exhaustive ) 1. Fair Credit Reporting Act ( FCRA ) Furnishers must report with maximum accuracy and investigate disputes from CRAs. See 15 U.S.C. 1681s-2 ( a ) & ( b ) ; 1681e ( b ) ; Reg V , 12 C.F.R. 1022.42 ( direct disputes ). Continuing to report a false voluntary surrender/repossession or an incorrect responsibility allocation after dispute is unlawful.\n\n2. Truth in Lending Act ( TILA ) & Reg Z ( 12 C.F.R. Part 1026 ) Requires clear, accurate disclosures of terms, finance charges, security interests ( including any chattel interest ), and delivery dates/amounts. Inconsistent/defective disclosures or failure to provide copies violates 15 U.S.C. 1601 et seq.\n\n3. Real Estate Settlement Procedures Act ( RESPA ) & Reg X ( 12 C.F.R. Part 1024 ) ( to the extent the loan/servicing falls within RESPAs scope ) Error resolution and information requests must be timely acknowledged and answered ( 12 C.F.R. 1024.351024.36 ). Continuity of contact and loss-mitigation/early-intervention rules ( 1024.391024.41 ) require reasonable assistance during hardship. Stonewalling document requests and ignoring hardship communications violates 12 U.S.C. 2605 and Reg X.\n\n4. Equal Credit Opportunity Act ( ECOA ) & Reg B ( 12 C.F.R. Part 1002 ) Creditors may not discriminate against an applicant because income is from public assistance ( SSI ) and must provide adverse-action notices when required. See 15 U.S.C. 1691 ( a ) ; 12 C.F.R. 1002.2, 1002.9. Your treatment of my SSI and refusal to treat me as a responsible party while still demanding payment raises ECOA concerns.\n\n5. Americans with XXXX  Act ( XXXX ) Title III Lenders/finance companies are public accommodations and must provide reasonable modifications in policies and effective communication to people with XXXX. XXXX XXXX. 12182 ; 28 C.F.R. pt. 36. Refusing to accommodate communication, documentation access, and safety-related scheduling during an active protective order and XXXX is unlawful. \nXXXX. Fair Housing Act ( FHA ) XXXX Discrimination in Housing-Related Transactions Prohibits discrimination in residential real-estate related transactions, including lending/servicing. See 42 U.S.C. 3604, 3605. Ignoring documented disability/safety needs while pursuing adverse action can violate the FHA.\n\nIf third-party collectors were used : FDCPA, 15 U.S.C. 1692 et seq. bars false representations ( e.g., claiming a voluntary surrender ) and unfair practices. \n\nXXXX Demands XXXX Credit Reporting Fix ( FCRA ) Within 30 days, conduct and complete a reasonable reinvestigation of all tradelines related to my accounts and provide written results. \nDelete or correct any reference to voluntary surrender/repo, misreported responsibility, dates, balances, or delinquencies that flowed from the unlawful handling described above. \nProvide me a full furnisher-level investigation file ( policies, ACDV responses, notes, and communications with CRAs ). \n2. Complete Account File & Servicing Records ( RESPA/Reg X ; TILA ; UCC ) Provide : ( a ) all loan agreements ( both numbers ), ( b ) all assignments/indorsements, ( c ) title and manufactured home status records ( movable/immobilized ), ( d ) payment histories and payoff/deficiency calculations, ( e ) all notices ( default, intent to repossess, disposition ), ( f ) any alleged surrender consent ( authenticated, post-default ), ( g ) internal call logs and correspondence, and ( h ) loss-mitigation/hardship evaluations.\n\n3. Cure & Restitution Cease all collection/negative furnishing pending resolution.\n\nRetract false credit reporting and issue written confirmations I can send to XXXX/TransUnion .\n\nCompensate for out-of-pocket losses and consequential damages caused by unlawful credit reporting and servicing conduct ( to be itemized ). \nProvide a written XXXX policy explanation and propose reasonable modifications going forward. \nXXXX. Litigation Hold Preserve all evidence ( digital/physical ) including call recordings, agent notes, system logs, ACDVs/e-OSCAR records, and correspondence with dealers ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. \n\nVI. How to Respond Send the full document set and written response to me within 30 days to this address XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX If you contend a voluntary surrender occurred, identify who, when, where, and produce the authenticated record and all notices required under La. R.S. 10:9-620/-621/-611. If you claim I was not a borrower, explain why you demanded payments from me, why you refused a payment book in my name, and why you furnished data about me to CRAs ( FCRA accuracy problem either way ).\n\nVII. Notices of Rights Reserved Nothing herein waives any claims under LUTPA, FCRA, TILA/Reg Z , RESPA/Reg X , ECOA/Reg B , ADA, FHA, FDCPA ( if applicable ), Louisiana Civil Code, and UCC Article 9, nor any tort or contract claims ( including wrongful repossession, negligent/intentional misrepresentation, conversion, IIED/NIED, and breach of duty of good faith ).\n\nThis is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. \n\nYou falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled two conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws , including : FCRA, TILA, RESPA, ECOA, ADA, FHA, FDCPA ( if applicable ), UCC Article 9, LUTPA, and the Louisiana Civil Code.\n\nYour actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. \n\nTo resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXXXXXX XXXX XXXXXXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. \n\nXXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and XXXX years of credit and housing damage. \n\nXXXX. Refund of All Funds I Ever Paid Including down payment, monthly payments, XXXX XXXX funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements. \n\nXXXX. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship XXXX. Full Document Release ( within 30 days ) You must provide : both loan agreements all payment records call logs repossession documents any surrender paperwork dealer communications all XXXX notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ XXXX XXXX, Louisiana Attorney General XXXX XXXX, and private litigation. \n\nI have extensive records proving every violation listed. \nThis is your opportunity to resolve this matter without escalation. \n\nThis is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. \n\nYou falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled XXXX conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws XXXX including : FCRA, TILA, RESPA, ECOA, ADA, FHA, FDCPA ( if applicable ), UCC Article 9, LUTPA, and the Louisiana Civil Code.\n\nYour actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. \n\nTo resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXXXXXX XXXX XXXXXXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. \n\nXXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and XXXX years of credit and housing damage. \n\nXXXX. Refund of All Funds I Ever Paid Including down payment, monthly payments, XXXX XXXX funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements. \n\nXXXX. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship XXXX. Full Document Release ( within 30 days ) You must provide : both loan agreements all payment records call logs repossession documents any surrender paperwork dealer communications all UCC-required notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ XXXX  enforcement, Louisiana Attorney General LUTPA action, and private litigation.\n\nI have extensive records proving every violation listed.\n\nThis is your opportunity to resolve this matter without escalation.","date_sent_to_company":"2025-12-14T16:58:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06002","tags":null,"has_narrative":true,"complaint_id":"18027688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-14T16:57:50.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide me a full furnisher-level <em>investigation</em> file ( policies, ACDV responses, notes, and communications with CRAs ). \n2."],"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":[8.808251,"18027688"]},{"_index":"complaint-public-v1","_id":"10218356","_score":8.35574,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint regarding account XXXX is to report XXXX XXXX XXXX XXXX XXXX, Equifax, and XXXX for multiple violations of the Privacy Act of XXXX, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Security Exchange Act and my rights as a Consumer. \nAccording to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that \" In general Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information, and they do not have my written consent. All consent to XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, un-written, implied or otherwise is revoked. 15 USC 6802 ( b ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. \n\nNot only that 15 USC 1681C ( a ) ( 5 ) states \" Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. \n\nXXXX XXXX XXXX XXXX  reported to XXXX, Equifax, XXXX, who have reported Account XXXX with a Status reported as {$3600.00} Past Due. These items are violations of [ 15 U.S.C. 1681 ] 602, 15 U.S. Code 1681c and the Privacy Act of XXXX. \nXXXX Reports a status of Closed, Equifax reports Collection/Chargeoff XXXX XXXX reports 120 Days Late XXXX reported a Count of Late Payments as XXXX, Equifax reported XXXX, and XXXX reported XXXX. All XXXX agencies are in violation of 15 U.S. Code 1681, 15 U.S. Code 1681e Equifax reports a Charge Off XXXX XXXX XXXX, Late Payments reported XXXX XXXX XXXX, XXXX reported XX/XX/XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n XXXX reports XXXX XX/XX/XXXX XX/XX/XXXX, late payments are reported XXXX XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n XXXX XXXX XXXX XXXX  nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, income does not get reported on the credit report which in fact makes reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled debt or Charge Off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099 from XXXX XXXX XXXX XXXX  for the cancelled debt of {$3600.00} in order to file as ordinary income. XXXX XXXX XXXX XXXX  seems to be committing fraud with the accounting of this account with the IRS without sending out 1099-As or Cs and any other applicable forms as required by the IRS for debts greater than {$600.00}. This is unacceptable. I want to see full disclosure of any 1099s, any other forms and the complete XXXX accounting, including all accounting for adherence to 12 CFR 1026.21 which states when a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. The involved parties have or should have filed with the IRS, Federal Trade Commission, Security Exchange Commission on my account. I want the account audited and corrected immediately.\n\nAlso 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of any reporting by XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX of this account. \nUnder 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of the reports given by XXXX XXXX XXXX XXXX  shown on the credit report were done with any type of permission from me, the Consumer. I count each of the items as a violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater and I demand {$1000.00} per violation to XXXX XXXX XXXX, XXXX, Equifax, and XXXX. \n\n( b ) Opt out, ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nPer 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. I demand immediate deletion of the account from ALL credit reporting agencies and {$1000.00} per violation committed by XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code. As well as a return of any funds ever paid, Security Interests, and insurance proceeds ever made on the account. And as it is unclear as to How the reporting agencies received any information to report, I see that XXXX XXXX XXXX XXXX  and the reporting agencies have dual responsibility in violating multiple CFR and Acts and I want the CFPB to investigate and help me to get the proper remedy in these matters.","date_sent_to_company":"2024-09-23T19:50:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10218356","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-23T19:50:35.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint regarding account XXXX is to report XXXX XXXX XXXX XXXX XXXX, Equifax, and XXXX for multiple violations of the Privacy Act of XXXX, the Fair Credit Reporting Act, Fair Debt <em>Collection</em> Practices Act, <em>Security</em> Exchange Act and my rights as a Consumer."]},"sort":[8.35574,"10218356"]},{"_index":"complaint-public-v1","_id":"16845101","_score":8.022989,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Dispute and Demand for Immediate Deletion of Inaccurate Information Reported by XXXX XXXX Federal Student Loan Servicer Under Investigation for Fraud, Misconduct, and Failure to Implement Department of Education-Ordered Loan Discharges.\n\nTo Whom It May Concern : I am writing to formally dispute inaccurate, fraudulent, and legally non-compliant information appearing on my consumer credit report ( s ) as furnished by the Higher Education Loan Authority of the State of XXXX ( XXXX ). This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and permanent deletion of all disputed items reported by XXXX, a loan servicer currently under investigation by multiple state attorneys general, the Consumer Financial Protection Bureau ( CFPB ), and facing multiple federal lawsuits for systematic fraud, misconduct, and failure to implement U.S. Department of Education-ordered loan discharges. \n\nCRITICAL NOTICE : XXXX FRAUD AND DEPARTMENT OF EDUCATION DISCHARGE ORDERS As a borrower directly harmed by XXXX 's documented fraud and systematic misconduct, and pursuant to U.S. Department of Education discharge determinations, I am entitled to be relieved of any further obligation to repay these student loans. XXXX has systematically failed to implement loan discharges ordered by the Department of Education, continued to demand payment on discharged loans, and continued reporting these discharged debts to credit reporting agencies as current obligations. This constitutes fraud, willful FCRA violations, and actionable misconduct causing severe financial harm to millions of student loan borrowers, including myself. \nXXXX XXXX 's Documented Fraud, Systematic Misconduct, and Ongoing Federal Investigations XXXX is currently under investigation by multiple federal and state authorities for widespread fraud and misconduct that has financially harmed millions of student loan borrowers. The following documented evidence establishes XXXX 's pattern of fraudulent and deceptive practices : A. Active Federal Lawsuits and Legal Actions : XXXX. XXXX XXXX XXXX XXXX v. XXXX ( XX/XX/XXXX ) : Filed by the AFT, represented by the Student Borrower Protection Center, National Consumer Law Center, and XXXX XXXX XXXX, this groundbreaking federal lawsuit alleges that XXXX illegally overcharged borrowers on monthly bills, failed to timely process critical paperwork, actively misled borrowers about repayment options and loan forgiveness programs, and implemented a systematic 'call deflection scheme ' that made it impossible for XXXX XXXX borrowers to obtain assistance. The lawsuit exposes XXXX to billions of dollars in potential liability. \nXXXX. XXXX v. XXXX ( XX/XX/XXXX ) : XXXX  student borrowers filed federal lawsuit alleging XXXX failed to implement Department of Education-ordered student loan discharges, continued demanding payment on discharged loans, and continued reporting discharged debts to credit agencies as current obligations. The U.S. District Court for the Northern District of XXXX  denied XXXX 's attempts to dismiss the case twice ( XX/XX/XXXX and XX/XX/XXXX ), with the court stating that 'it would be an affront to the dignity of XXXX  if an entity like XXXX were permitted to avoid suit in XXXX  based on alleged commercial misconduct towards XXXX residents. ' This case directly parallels my situation as an affected borrower whose loans should have been discharged. \nXXXX Multi-State Attorney General Investigations and Federal Enforcement : Multiple State Investigations ( XXXX ) : Multiple state attorneys general initiated confidential investigations into XXXX beginning in late XXXX, focusing on XXXX 's errors in calculating monthly payments, billing customers incorrectly, failing to process paperwork, and other systematic misconduct that turned costly for borrowers. \nCongressional Investigations : U.S. Senators XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have led multiple Senate investigations and hearings exposing XXXX 's systematic failures. In XX/XX/XXXX, Senate investigators revealed that XXXX 's failure to provide advance notice of loan transfers contributed to nearly XXXX million credit reporting errors. In XX/XX/XXXX, Senator XXXX led a hearing specifically on XXXX 's failures during return to repayment and mismanagement of the Public Service Loan Forgiveness program. \nDepartment of Education Enforcement Actions : In XX/XX/XXXX, the Department of Education withheld {$7.00} million in payment to XXXX as punishment for failing to send bills to XXXX XXXX borrowers, causing XXXX borrowers to miss payments. In XX/XX/XXXX, the Department stopped awarding XXXX new accounts and threatened contract termination due to XXXX 's failures to inform the agency about massive backlogs of applications for income-driven repayment plans and continued poor performance. \nCFPB and Federal Regulatory Oversight : In XX/XX/XXXX, the Student Borrower Protection Center and AFT sent formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Deposit Insurance Corporation ( FDIC ), and Office of the Comptroller of the Currency ( OCC ), warning federal financial regulators about XXXX 's potentially unlawful practices, including forcing borrowers to waive their legal rights. \nXXXX Specific Documented Misconduct Allegations- Quantified Data : XXXX million borrowers did not receive monthly bills, resulting in XXXX borrowers missing payments through no fault of their own ; XXXX borrowers were illegally overcharged for loan payments because XXXX used incorrect calculation guidelines ; XXXX million total borrowers affected by XXXX 's systematic failures, with documented evidence showing XXXX in XXXX XXXX customers experienced servicing failures ; Nearly XXXX million credit reporting errors caused by XXXX 's failure to provide advance notice of loan transfers to credit reporting agencies ; Systematic 'call deflection scheme ' : XXXX deliberately directed millions of borrowers away from staffed call centers toward websites and 'self-help ' options that were often inoperative or unable to resolve critical issues, despite receiving over {$1.00} billion from the Department of Education since XXXX specifically to staff call centers and provide borrower assistance ; Illegal deduction of payments from borrowers ' bank accounts without consent ; Misinforming borrowers about paperwork deadlines for affordable repayment plans and loan forgiveness programs ; Failure to process Department of Education-ordered loan discharges : XXXX failed to implement loan discharges for students who attended XXXX predatory for-profit institutions ( XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, continuing to demand payment and report these discharged debts to credit bureaus ; Worst performance scores : XXXX currently holds the worst customer satisfaction and performance scores among all federal student loan servicers. \nXXXX. Department of Education Loan Discharge Determination and Relief from Repayment Obligation As an affected borrower harmed by XXXX 's documented fraud and systematic misconduct, I am entitled to relief from any further obligation to repay these student loans pursuant to Department of Education discharge determinations and federal consumer protection law. The Department of Education has issued group discharge orders for borrowers who attended predatory for-profit institutions that engaged in widespread fraud and misconduct. However, XXXX has systematically failed to implement these discharges, as evidenced by the ongoing federal litigation in XXXX v. XXXX. \nBetween XX/XX/XXXX and XX/XX/XXXX, the Department of Education announced group discharges for former students from XXXX predatory for-profit institutions after finding these schools engaged in rampant misconduct, including 'financial exploitation of students ' and 'widespread misrepresentations. ' The Department explicitly notified affected borrowers that they had been 'released from any further obligation to repay ' their loans. Despite these clear discharge orders, XXXX has : Failed to process the Department of Education-ordered discharges ; Failed to issue authorized refunds to discharged borrowers ; Continued reporting discharged debts to credit reporting agencies as current obligations ; Continued illegally demanding payments from borrowers whose loans have been discharged by federal authority . \nThis conduct constitutes willful fraud and knowing violations of the Fair Credit Reporting Act. Any continued reporting of these discharged debts is per se inaccurate and must be immediately and permanently deleted from my credit file. \nXXXX. Inaccurate Account Information and Personal Data Reported by XXXX The information reported by XXXX contains multiple material inaccuracies that have caused substantial and undue hardship, severe financial harm, and damage to my creditworthiness. Given XXXX 's documented pattern of systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be presumed unreliable and inaccurate. Specifically : Account Balance and Payment History Inaccuracies : The account balances, payment histories, and status information reported by XXXX are demonstrably incorrect. XXXX has admitted to systematically overcharging XXXX borrowers and sending inaccurate bills. Given XXXX 's documented pattern of calculation errors and fraudulent billing practices, all balance information furnished by XXXX is inherently unreliable and must be deleted. \nPersonal Information Errors : XXXX has furnished incorrect personal identifying information, including errors in names, addresses, Social Security numbers, dates of birth, and employment information. The Senate investigation revealed nearly XXXX million credit reporting errors caused by XXXX 's failures. Such widespread inaccuracies demonstrate XXXX 's complete disregard for data accuracy requirements under FCRA 1681e ( b ). \nCredit Reporting During Discharge Period : XXXX 's continued reporting of loan obligations during periods when the Department of Education had ordered discharges constitutes willful and knowing false reporting under the FCRA. This fraudulent reporting has caused severe harm to my credit profile and ability to access credit, employment, and housing. \nIV. Undue Hardship, Severe Financial Harm, and Quantified Damages XXXX 's fraudulent and inaccurate reporting has caused me severe and quantifiable undue hardship, including but not limited to : Catastrophic reduction in my credit score due to fraudulent reporting of discharged or inaccurate debt obligations ; Denial of credit applications, or approval only at usurious interest rates, resulting in thousands of dollars in additional costs ; Inability to obtain housing due to fraudulent negative information on credit reports relied upon by landlords ; Adverse employment decisions, as employers increasingly review credit reports during hiring processes ; Increased insurance premiums and denial of favorable insurance rates ; Severe emotional distress, XXXX, XXXX, and mental anguish resulting from XXXX 's fraudulent debt collection attempts on discharged loans ; Hundreds of hours spent attempting to contact XXXX through their deliberately obstructive 'call deflection ' system ; Loss of financial opportunities and economic advancement due to artificially depressed creditworthiness ; Reputational damage and harm to personal and professional relationships resulting from fraudulent portrayal of my financial status. \nV. Violations of Seven-Year Reporting Rule and Unauthorized Data Sales Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged off that antedate the report by more than XXXX years. XXXX and the credit reporting agencies have violated this statutory mandate by reporting obsolete information beyond the permissible reporting period. \nAdditionally, XXXX and the credit bureaus have been selling my inaccurate personal information to third parties, including marketing companies, insurance providers, employment screening services, and other financial institutions, without legitimate permissible purposes as required by FCRA 1681b. This unauthorized sale of inaccurate information for commercial benefit constitutes willful FCRA violations and creates additional liability for all parties involved. \nVI. Applicable Legal Standards and FCRA Requirements The Fair Credit Reporting Act imposes strict obligations on both furnishers of information and consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( a ), MOHELA is required to provide accurate information and conduct reasonable investigations when notified of disputes. Under 15 U.S.C. 1681i, you are required to conduct reasonable reinvestigation within XXXX ( XXXX ) days. \nGiven XXXX 's documented pattern of fraud and systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be treated as presumptively unreliable and inaccurate. The ongoing federal lawsuits, multi-state investigations, Department of Education enforcement actions, and CFPB oversight demonstrate that XXXX can not be relied upon to provide accurate information. Recent CFPB guidance ( Bulletin XXXX ) requires that investigations can not be superficial or automated and must include independent verification beyond mere confirmation with the furnisher. \nXXXX. IMMEDIATE DEMANDS FOR DELETION AND REMEDIAL ACTION In light of XXXX 's documented fraud, systematic misconduct, failure to implement Department of Education-ordered loan discharges, and ongoing federal investigations, I demand that you immediately : XXXX. PERMANENTLY DELETE all information reported by XXXX from my credit file. Given XXXX 's documented pattern of fraud affecting XXXX million borrowers and ongoing federal litigation, no information from XXXX can be considered reliable or accurate ; XXXX. CEASE AND DESIST all reporting of any MOHELA-furnished information to third parties immediately. Continued reporting of information from a servicer under federal investigation for fraud constitutes willful noncompliance under FCRA 1681n ; XXXX. CEASE AND DESIST from selling, transferring, or providing my personal information to any third parties, including marketing companies, data brokers, insurance companies, employers, or financial institutions ; XXXX. ACKNOWLEDGE that as a borrower affected by Department of Education-ordered loan discharges, any continued reporting of discharged loan obligations constitutes fraud and per se FCRA violations ; XXXX. CONDUCT a thorough investigation recognizing that XXXX is an unreliable furnisher currently under multi-state investigation and federal litigation for systematic fraud ; XXXX. PROVIDE written confirmation of all deletions within the statutory thirty ( XXXX ) day period ; XXXX. FURNISH me with an updated credit report reflecting all deletions, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; XXXX. XXXX updated reports to all parties who received reports in the past 6 months ( employment ) or 2 years ( credit ) ; XXXX. NOTIFY all previous data purchasers of the deletion of all MOHELA-reported information ; XXXX. CONFIRM in writing that you will no longer accept or report any information furnished by XXXX given its documented unreliability and ongoing fraud investigations. \nXXXX. Statutory Compliance Timeline Day XXXX : Date you receive this letter Day XXXX : Must forward dispute to XXXX ( FCRA 1681i ( a ) ( 2 ) ) Day XXXX : Investigation must be completed and all XXXX information deleted Day XXXX : Written results and updated credit reports must be provided XXXX. Legal Consequences of Non-Compliance and Preservation of Rights I am preserving all legal rights and remedies available under federal and state law, including but not limited to : FCRA Statutory Damages : 1681n provides actual damages plus punitive damages of $ XXXX {$1000.00} per violation for willful noncompliance. Continued reporting of information from a servicer under investigation for fraud constitutes willful violations ; Attorney Fees and Costs : 1681o provides for recovery of attorney fees and costs ; Regulatory Complaints : Filing complaints with CFPB, FTC, Department of Education, and state attorneys general already investigating XXXX ; Class Action Participation : Joining existing federal class actions against XXXX or initiating new actions for systematic FCRA violations ; State Consumer Protection Claims : Violations under state consumer protection acts, privacy laws, and unfair/deceptive practices statutes ; Federal Fraud Claims : Claims related to fraudulent reporting of discharged debts and knowing misrepresentations. \nBe advised that federal courts have already ruled twice against XXXX 's attempts to dismiss borrower lawsuits, and multiple state attorneys general are actively investigating XXXX 's misconduct. Your failure to immediately delete all MOHELA-furnished information will be deemed willful noncompliance and will be pursued through all available legal channels. \nX. Supporting Evidence and Documentation of XXXX Fraud This dispute is supported by extensive documented evidence of XXXX 's fraud and misconduct, including : Federal court records from AFT v. XXXX ( XXXX District Court, XX/XX/XXXX ) ; Federal court records from XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ), including XXXX court orders denying XXXX 's dismissal attempts ; XXXX XXXX Papers ' investigation by AFT and Student Borrower Protection Center XXXX XX/XX/XXXX ) ; Senate investigation reports by Senators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) ; Department of Education enforcement actions and payment withholdings ( XX/XX/XXXX, XX/XX/XXXX ) ; CFPB, FDIC, and OCC regulatory complaints filed by SBPC and AFT XXXX XX/XX/XXXX ) ; Documentation of multi-state attorney general investigations ( XXXX ). \nThis letter constitutes my formal written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Given XXXX 's documented pattern of fraud affecting millions of borrowers, failure to implement Department of Education-ordered discharges, and ongoing federal investigations and litigation, I expect immediate deletion of all XXXX-furnished information. This dispute is made in good faith based on extensive documented evidence of XXXX 's systematic misconduct. \nI expect your full cooperation and compliance with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2025-10-27T18:21:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"759XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16845101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-27T18:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CONDUCT a thorough <em>investigation</em> recognizing that XXXX is an unreliable furnisher currently under multi-state <em>investigation</em> and federal litigation for systematic fraud ; XXXX. PROVIDE written confirmation of all <em>deletions</em> within the statutory thirty ( XXXX ) day period ; XXXX. FURNISH me with an updated credit report reflecting all <em>deletions</em>, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; XXXX."]},"sort":[8.022989,"16845101"]},{"_index":"complaint-public-v1","_id":"16845093","_score":8.012682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute and Demand for Immediate Deletion of Inaccurate Information Reported by XXXX XXXX XXXX XXXX XXXX XXXX Under Investigation for Fraud, Misconduct, and Failure to Implement Department of Education-Ordered Loan Discharges.\n\nTo Whom It May Concern : I am writing to formally dispute inaccurate, fraudulent, and legally non-compliant information appearing on my consumer credit report ( s ) as furnished by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( XXXX ). This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and permanent deletion of all disputed items reported by XXXX, a loan servicer currently under investigation by multiple state attorneys general, the Consumer Financial Protection Bureau ( CFPB ), and facing multiple federal lawsuits for systematic fraud, misconduct, and failure to implement U.S. Department of Education-ordered loan discharges. \n\nCRITICAL NOTICE : XXXX FRAUD AND DEPARTMENT OF EDUCATION DISCHARGE ORDERS As a borrower directly harmed by XXXX 's documented fraud and systematic misconduct, and pursuant to XXXX Department of Education discharge determinations, I am entitled to be relieved of any further obligation to repay these student loans. XXXX has systematically failed to implement loan discharges ordered by the Department of Education, continued to demand payment on discharged loans, and continued reporting these discharged debts to credit reporting agencies as current obligations. This constitutes fraud, willful FCRA violations, and actionable misconduct causing severe financial harm to millions of student loan borrowers, including myself. \nXXXX XXXX 's Documented Fraud, Systematic Misconduct, and Ongoing Federal Investigations XXXX is currently under investigation by multiple federal and state authorities for widespread fraud and misconduct that has financially harmed millions of student loan borrowers. The following documented evidence establishes XXXX 's pattern of fraudulent and deceptive practices : A. Active Federal Lawsuits and Legal Actions : XXXX. XXXX XXXX XXXX XXXX v. XXXX ( XX/XX/XXXX ) : Filed by the AFT, represented by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, this groundbreaking federal lawsuit alleges that XXXX illegally overcharged borrowers on monthly bills, failed to timely process critical paperwork, actively misled borrowers about repayment options and loan forgiveness programs, and implemented a systematic 'call deflection scheme ' that made it impossible for XXXX XXXX borrowers to obtain assistance. The lawsuit exposes XXXX to billions of dollars in potential liability. \nXXXX. XXXX v. XXXX ( XX/XX/XXXX ) : California student borrowers filed federal lawsuit alleging XXXX failed to implement Department of Education-ordered student loan discharges, continued demanding payment on discharged loans, and continued reporting discharged debts to credit agencies as current obligations. The XXXX XXXX XXXX for the XXXX XXXX XXXX California denied XXXX 's attempts to dismiss the case twice ( XX/XX/XXXX and XX/XX/XXXX ), with the court stating that XXXX would be an affront to the dignity of California if an entity like XXXX were permitted to avoid suit in California based on alleged commercial misconduct towards California residents. ' This case directly parallels my situation as an affected borrower whose loans should have been discharged.\n\nB. Multi-State Attorney General Investigations and Federal Enforcement : Multiple State Investigations ( XXXX ) : Multiple state attorneys general initiated confidential investigations into XXXX beginning XXXX late XXXX, focusing on XXXX 's XXXX in calculating monthly payments, billing customers incorrectly, failing to process paperwork, and other systematic misconduct that turned costly for borrowers. \nCongressional Investigations : XXXX. Senators XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have led multiple XXXX investigations and hearings exposing XXXX 's systematic failures. In XX/XX/XXXX, XXXX investigators revealed that XXXX 's failure to provide advance notice of loan transfers contributed to nearly XXXX XXXX credit reporting errors. In XX/XX/XXXX, XXXX XXXX led a hearing specifically on XXXX 's failures during return to repayment and mismanagement of the XXXX XXXX XXXX XXXX program. \nDepartment of Education XXXX Actions : In XX/XX/XXXX, the Department of Education withheld {$7.00} XXXX in payment to XXXX as punishment for failing to send bills to XXXX XXXX borrowers, causing XXXX borrowers to miss payments. In XX/XX/XXXX, the Department stopped awarding XXXX new accounts and threatened contract termination due to XXXX 's failures to inform the agency about massive backlogs of applications for income-driven repayment plans and continued poor performance. \nCFPB and XXXX XXXX XXXX : In XX/XX/XXXX, the XXXX XXXX XXXX XXXX and AFT sent formal complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX ( FDIC ), and Office of the Comptroller of the Currency ( XXXX ), warning federal financial regulators about XXXX 's potentially unlawful practices, including forcing borrowers to waive their legal rights. \nXXXX Specific Documented Misconduct Allegations- Quantified Data : XXXX XXXX borrowers did not receive monthly bills, resulting in XXXX borrowers missing payments through no fault of their own ; XXXX borrowers were illegally overcharged for loan payments because XXXX used incorrect calculation guidelines ; XXXX XXXX total borrowers affected by XXXX 's systematic failures, with documented evidence showing XXXX in XXXX XXXX customers experienced servicing failures ; Nearly XXXX XXXX credit reporting errors caused by XXXX 's failure to provide advance notice of loan transfers to credit reporting agencies ; Systematic 'call deflection scheme ' : XXXX XXXX directed millions of borrowers away from staffed call centers toward websites and 'self-help ' options that were often inoperative or unable to resolve critical issues, despite receiving over {$1.00} XXXX from the Department of Education since XXXX specifically to staff call centers and provide borrower assistance ; Illegal deduction of payments from borrowers ' bank accounts without consent ; Misinforming borrowers about paperwork deadlines for affordable repayment plans and loan forgiveness programs ; Failure to process Department of Education-ordered loan discharges XXXX XXXX failed to implement loan discharges for students who attended XXXX predatory for-profit institutions ( XXXX XXXX of XXXX, Corinthian Colleges, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX demand payment and report these XXXX debts to credit bureaus ; Worst performance scores : XXXX currently holds the worst customer satisfaction and performance scores among all federal student loan servicers. \nXXXX. Department of Education Loan Discharge Determination and Relief from Repayment Obligation As an affected borrower harmed by XXXX 's documented fraud and systematic misconduct, I am entitled to relief from any further obligation to repay these student loans pursuant to Department of Education discharge determinations and federal consumer protection law. The Department of Education has issued group discharge orders for borrowers who attended predatory for-profit institutions that engaged in widespread fraud and misconduct. However, XXXX has systematically failed to implement these discharges, as evidenced by the ongoing federal litigation in XXXX v. XXXX. \nBetween XX/XX/XXXX and XX/XX/XXXX, the Department of Education announced group discharges for former students from six predatory for-profit institutions after finding these schools engaged in rampant misconduct, including 'financial exploitation of students ' and 'widespread misrepresentations. ' The Department explicitly notified affected borrowers that they had been 'released from any further obligation to repay ' their loans. Despite these clear discharge orders, XXXX has : Failed to process the Department XXXX XXXX discharges ; Failed to issue authorized refunds to discharged borrowers ; Continued reporting discharged debts to credit reporting agencies as current obligations ; Continued illegally demanding payments from borrowers whose loans have been discharged by federal authority . \nThis conduct constitutes willful fraud and knowing violations of the Fair Credit Reporting Act. Any continued reporting of these discharged debts is per se inaccurate and must be immediately and permanently deleted from my credit file. \nXXXX. Inaccurate Account Information and Personal Data Reported by XXXX The information reported by XXXX contains multiple material inaccuracies that have caused substantial and undue hardship, severe financial harm, and damage to my creditworthiness. Given XXXX 's documented pattern of systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be presumed unreliable and inaccurate. Specifically : Account Balance and Payment History Inaccuracies : The account balances, payment histories, and status information reported by XXXX are demonstrably incorrect. XXXX has admitted to systematically overcharging XXXX borrowers and sending inaccurate bills. Given XXXX 's documented pattern of calculation errors and fraudulent billing practices, all balance information furnished by XXXX is inherently unreliable and must be deleted. \nPersonal Information Errors : XXXX has furnished incorrect personal identifying information, including errors in names, addresses, Social Security numbers, dates of birth, and employment information. The XXXX investigation revealed nearly XXXX XXXX credit reporting errors caused by XXXX 's failures. Such widespread inaccuracies demonstrate XXXX 's complete disregard for data accuracy requirements under FCRA XXXX ( b ). \nCredit Reporting During Discharge Period : XXXX 's continued reporting of loan obligations during periods when the Department of Education had ordered discharges constitutes willful and knowing false reporting under the FCRA. This fraudulent reporting has caused severe harm to my credit profile and ability to access credit, employment, and housing. \nIV. Undue Hardship, Severe Financial Harm, and Quantified Damages XXXX 's fraudulent and inaccurate reporting has caused me severe and quantifiable undue hardship, including but not limited to : Catastrophic reduction in my credit score due to fraudulent reporting of discharged or inaccurate debt obligations ; Denial of credit applications, or approval only at usurious interest rates, resulting in thousands of dollars in additional costs ; Inability to obtain housing due to fraudulent negative information on credit reports relied upon by landlords ; Adverse employment decisions, as employers increasingly review credit reports during hiring processes ; Increased insurance premiums and denial of favorable insurance rates ; Severe emotional distress, anxiety, XXXX, and mental anguish resulting from XXXX 's fraudulent debt collection attempts on discharged loans ; Hundreds of hours spent attempting to contact XXXX through their deliberately obstructive 'call deflection ' system ; Loss of financial opportunities and economic advancement due to artificially depressed creditworthiness ; Reputational damage and harm to personal and professional relationships resulting from fraudulent portrayal of my financial status. \nV. Violations of Seven-Year Reporting Rule and Unauthorized Data Sales Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged off that antedate the report by more than seven years. XXXX and the credit reporting agencies have violated this statutory mandate by reporting obsolete information beyond the permissible reporting period. \nAdditionally, XXXX and the credit bureaus have been selling my inaccurate personal information to third parties, including marketing companies, insurance providers, employment screening services, and other financial institutions, without legitimate permissible purposes as required by FCRA 1681b. This unauthorized sale of inaccurate information for commercial benefit constitutes willful FCRA violations and creates additional liability for all parties involved.\n\nVI. Applicable Legal Standards and FCRA Requirements The Fair Credit Reporting Act imposes strict obligations on both furnishers of information and consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( a ), XXXX is required to provide accurate information and conduct reasonable investigations when notified of disputes. Under 15 U.S.C. 1681i, you are required to conduct reasonable reinvestigation within thirty ( 30 ) days. \nGiven XXXX 's documented pattern of fraud and systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be treated as presumptively unreliable and inaccurate. The ongoing federal lawsuits, multi-state investigations, Department of Education enforcement actions, and CFPB oversight demonstrate that XXXX can not be relied upon to provide accurate information. Recent CFPB guidance ( XXXX XXXX ) requires that investigations can not be superficial or automated and must include independent verification beyond mere confirmation with the furnisher. \nXXXX. IMMEDIATE DEMANDS FOR DELETION AND REMEDIAL ACTION In light of XXXX 's documented fraud, systematic misconduct, failure to implement Department of Education-ordered loan discharges, and ongoing federal investigations, I demand that you immediately : XXXX. PERMANENTLY DELETE all information reported by XXXX from my credit file. Given XXXX 's documented pattern of fraud affecting XXXX XXXX borrowers and ongoing federal litigation, no information from XXXX can be considered reliable or accurate ; 2. CEASE AND DESIST all reporting of any MOHELA-furnished information to third parties immediately. Continued reporting of information from a servicer under federal investigation for fraud constitutes willful noncompliance under FCRA 1681n ; 3. CEASE AND DESIST from selling, transferring, or providing my personal information to any third parties, including marketing companies, data brokers, insurance companies, employers, or financial institutions ; 4. ACKNOWLEDGE that as a borrower affected by Department of Education-ordered loan discharges, any continued reporting of discharged loan obligations constitutes fraud and per se FCRA violations ; 5. CONDUCT a thorough investigation recognizing that XXXX is an unreliable furnisher currently under multi-state investigation and federal litigation for systematic fraud ; 6. PROVIDE written confirmation of all deletions within the statutory thirty ( 30 ) day period ; 7. FURNISH me with an updated credit report reflecting all deletions, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; 8. SEND updated reports to all parties who received reports in the past 6 months ( employment ) or 2 years ( credit ) ; 9. NOTIFY all previous data purchasers of the deletion of all MOHELA-reported information ; 10. CONFIRM in writing that you will no longer accept or report any information furnished by XXXX given its documented unreliability and ongoing fraud investigations. \nXXXX. Statutory Compliance Timeline Day XXXX : Date you receive this letter Day 5 : Must forward dispute to XXXX ( FCRA XXXX ( a ) ( 2 ) ) Day 30 : Investigation must be completed and all XXXX information deleted Day 35 : Written results and updated credit reports must be provided IX. Legal Consequences of Non-Compliance and Preservation of Rights I am preserving all legal rights and remedies available under federal and state law, including but not limited to : FCRA Statutory Damages : XXXX provides actual damages plus punitive damages of $ XXXX {$1000.00} per violation for willful noncompliance. Continued reporting of information from a servicer under investigation for fraud constitutes willful violations ; Attorney Fees and Costs : 1681o provides for recovery of attorney fees and costs ; Regulatory Complaints : Filing complaints with CFPB, FTC, Department of Education, and state attorneys general already investigating XXXX ; Class Action Participation : Joining existing federal class actions against XXXX or initiating new actions for systematic FCRA violations ; State Consumer Protection Claims : Violations under state consumer protection acts, privacy laws, and unfair/deceptive practices statutes ; Federal Fraud Claims : Claims related to fraudulent reporting of discharged debts and knowing misrepresentations.\n\nBe advised that federal courts have already ruled twice against XXXX 's attempts to dismiss borrower lawsuits, and multiple state attorneys general are actively investigating XXXX 's misconduct. Your failure to immediately delete all MOHELA-furnished information will be deemed willful noncompliance and will be pursued through all available legal channels. \nX. Supporting Evidence and Documentation of XXXX Fraud This dispute is supported by extensive documented evidence of XXXX 's fraud and misconduct, including : Federal court records from AFT v. XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ) ; Federal court records from XXXX XXXX XXXX ( XXXX California, XX/XX/XXXX ), including XXXX court orders denying XXXX 's dismissal attempts ; XXXX XXXX Papers ' investigation by AFT and Student XXXX XXXX XXXX XXXX XX/XX/XXXX ) ; XXXX XXXX reports by Senators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) ; Department of Education XXXX XXXX and XXXX withholdings ( XX/XX/XXXX, XX/XX/XXXX ) ; CFPB, FDIC, and XXXX regulatory complaints filed by XXXX and AFT XXXX XX/XX/XXXX ) ; Documentation of multi-state attorney general investigations ( XXXX ). \nThis letter constitutes my formal written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Given XXXX 's documented pattern of fraud affecting millions of borrowers, failure to implement Department of Education-ordered discharges, and ongoing federal investigations and litigation, I expect immediate deletion of all MOHELA-furnished information. This dispute is made in good faith based on extensive documented evidence of XXXX 's systematic misconduct. \nI expect your full cooperation and compliance with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2025-10-27T18:21:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"759XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16845093","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-27T18:20:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CONDUCT a thorough <em>investigation</em> recognizing that XXXX is an unreliable furnisher currently under multi-state <em>investigation</em> and federal litigation for systematic fraud ; 6. PROVIDE written confirmation of all <em>deletions</em> within the statutory thirty ( 30 ) day period ; 7. FURNISH me with an updated credit report reflecting all <em>deletions</em>, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; 8."]},"sort":[8.012682,"16845093"]},{"_index":"complaint-public-v1","_id":"10220016","_score":7.9410343,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint regarding account XXXX is to report XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian for multiple violations of the Privacy Act of XXXX, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, XXXX XXXX XXXX and my rights as a Consumer. \nAccording to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that \" In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and they do not have my written consent. All consent to XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, un-written, implied or otherwise is revoked. 15 USC 6802 ( b ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. \n\nNot only that 15 USC 1681C ( a ) ( 5 ) states \" Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. \n\nXXXX XXXX XXXX XXXX  reported to XXXX, XXXX, Experian, who have reported Account XXXX with a Status reported as {$3600.00} Past Due. These items are violations of [ 15 U.S.C. 1681 ] 602, 15 U.S. Code 1681c and the Privacy Act of XXXX. \nXXXX Reports a status of Closed, XXXX reports Collection/Chargeoff , Experian reports 120 Days Late XXXX reported a Count of Late Payments as XXXX, XXXX reported XXXX, and Experian reported XXXX. All XXXX agencies are in violation of 15 U.S. Code 1681, 15 U.S. Code 1681e XXXX reports a Charge Off XXXX XXXX XXXX Late Payments reported XXXX XXXX XXXX XXXX reported XX/XX/XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n Experian reports XXXX XX/XX/XXXX XX/XX/XXXX, late payments are reported XXXX XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n XXXX XXXX XXXX XXXX  nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, income does not get reported on the credit report which in fact makes reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled debt or Charge Off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099 from XXXX XXXX XXXX XXXX  for the cancelled debt of {$3600.00} in order to file as ordinary income. XXXX XXXX XXXX XXXX  seems to be committing fraud with the accounting of this account with the IRS without sending out 1099-As or Cs and any other applicable forms as required by the IRS for debts greater than {$600.00}. This is unacceptable. I want to see full disclosure of any 1099s, any other forms and the complete XXXX accounting, including all accounting for adherence to 12 CFR 1026.21 which states when a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. The involved parties have or should have filed with the IRS, Federal Trade Commission, Security Exchange Commission on my account. I want the account audited and corrected immediately. \n\nAlso 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of any reporting by XXXX XXXX XXXX XXXX, XXXX, XXXX and Experian of this account. \nUnder 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of the reports given by XXXX XXXX XXXX XXXX  shown on the credit report were done with any type of permission from me, the Consumer. I count each of the items as a violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater and I demand {$1000.00} per violation to XXXX XXXX XXXX, XXXX, XXXX, and Experian. \n\n( b ) Opt out, ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nPer 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. I demand immediate deletion of the account from ALL credit reporting agencies and {$1000.00} per violation committed by XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code. As well as a return of any funds ever paid, Security Interests, and insurance proceeds ever made on the account. And as it is unclear as to How the reporting agencies received any information to report, I see that XXXX XXXX XXXX XXXX  and the reporting agencies have dual responsibility in violating multiple CFR and Acts and I want the CFPB to investigate and help me to get the proper remedy in these matters.","date_sent_to_company":"2024-09-23T19:50:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10220016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-23T19:50:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I demand immediate <em>deletion</em> of the account from ALL credit reporting agencies and {$1000.00} per violation committed by XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code. As well as a return of any funds ever paid, <em>Security</em> Interests, and insurance proceeds ever made on the account."]},"sort":[7.9410343,"10220016"]},{"_index":"complaint-public-v1","_id":"15971197","_score":7.905899,"_source":{"product":"Debt or credit management","complaint_what_happened":"Company : Nelnet ( servicer ) on behalf of the U.S. Department of Education ( ED ). \nIm XXXX XXXX. Nelnet has delayed and obstructed basic servicing on my federal student loansincluding providing a full account history, written explanations, and timely answers. Nelnet demanded sensitive PII by email to verify but failed to proceed meaningfully after I responded, and I still dont have a complete accounting, status clarity, or assurance of accurate credit reporting. Im requesting : ( 1 ) a complete account reconstruction ( all loans, balances, interest, capitalization, payment allocation ), ( 2 ) confirmation of current repayment status and any forbearance/deferment or IDR eligibility, ( 3 ) correction/removal of any inaccurate credit reporting, and ( 4 ) a secure channel and single point of contact. ED is the creditor and ultimately responsible for servicer compliance. Please compel Nelnet/ED to provide records, correct errors, and confirm compliance. \n\n\n-- - 2 ) Full Narrative ( detailed ) Who I am & accounts : I am XXXX XXXX, borrower on federal student loans owned by the U.S. Department of Education and serviced by Nelnet. I contacted Nelnet to obtain a complete, written accounting of my loans and to resolve servicing questions ( status, balances, capitalization, payment allocation, and any credit reporting ). \n\nWhat happened : Nelnet replied requesting SSN/account/DOB for privacy verification, directing me to email XXXX. I understand privacy verification is required ; however, after supplying the requested details through their process/portal ( or offering to use a secure channel ), I have not received the complete, itemized account history or timely, substantive answers. \n\nI still lack : A full transaction ledger ( origination, disbursements, consolidations if any, payment history, interest accrual by date/rate, capitalization events, current principal/interest breakdown ). \n\nA clear statement of current status ( in repayment, deferment/forbearance, or administrative hold ) and the legal basis and dates for any status changes. \n\nWritten confirmation of IDR/PSLF eligibility or why those options are not being applied ( if applicable ). \n\nAssurance that credit reporting ( if any ) is accurate and up to date and that no adverse data was furnished while my requests were pending. \n\n\nBottom line : I have repeatedly asked for timely, accurate, and complete information about my federal loans, and Nelnet has not provided a compliant response or the full documentation needed to verify accuracy. \n\n\nWhy this is a problem : Federal student-loan servicers must provide timely and accurate information, maintain complete records, and respond to borrower inquiries with clear, written explanations and supporting documents. \n\nIf any information was furnished to consumer reporting agencies, the FCRA requires accuracy and prompt correction of disputed information. \n\nAs EDs contracted servicer, Nelnets failures ultimately reflect on ED ; consumers should not be bounced between entities. \n\n\nHarm : Ongoing uncertainty about balances and status ; risk of misapplied payments or improper capitalization ; potential credit harm if inaccurate data was reported ; and time and effort chasing basic records. I need a complete, authoritative accounting and corrections where applicable. \n\n\n\n-- - 3 ) Requested Relief ( be explicit ) I request that the CFPB require Nelnet and ED to : 1. Produce a complete account reconstruction ( XXXX XXXX XXXX ) showing, for each loan : origination/disbursement, interest rates by period, daily interest accrual, capitalization events ( date/amount/cause ), payment allocation by date ( to principal/interest/fees ), current principal vs. interest, outstanding balance, and current repayment status. \n\n\n2. Provide written explanations for any deferment/forbearance/administrative holds ( with start/end dates and authority ) and confirm current repayment plan.\n\n3. Review and document IDR eligibility ( and PSLF, if applicable ), identify the best available plan, and implement it upon my election, with back-dated corrections if I was improperly steered or delayed.\n\n4. Audit and correct any credit reporting tied to these loans ; delete or adjust any inaccurate late/missed payment entries ; and furnish me written proof of all changes sent to CRAs.\n\n5. Provide a secure communications channel ( portal or encrypted method ) and assign a single point of contact with direct phone/email to resolve open items.\n\n6. Confirm all fees/charges assessed are lawful and reverse any improper amounts ; provide a waiver/credit if delays or errors were on the servicers side.\n\n7. Deliver all requested records within 30 days and a final, plain-English summary confirming that my account is accurate and in the correct status going forward.\n\n-- - 4 ) CFPB Form Selections ( what to pick ) Product : Student loan Loan type : Federal student loan Issue : Trouble with how the loan is being serviced ( e.g., Incorrect information on account / Trouble getting information / Problems when you asked to get help ) pick the closest available options Company : Nelnet ( servicer ) Mention creditor/owner in narrative : U.S. Department of Education Resolution sought : Records production ; corrected accounting ; corrected credit reporting ; clear status/plan ; secure contact ; reversal of improper charges Submitter : I am the consumer Consent to share with company : Yes ( to enable Nelnet/ED to respond ) -- - 5 ) Evidence Checklist ( attach what you can ) Nelnets email asking for verification and your reply/submission ( screenshots or XXXX ) Any Nelnet statements/letters/secure messages showing status, balances, rates, or plan Any credit report pages showing tradelines/late marks related to these loans A timeline of your contacts ( dates you wrote/called ; what you asked for ; what they sent or failed to send ) Your IDR/PSLF inquiries ( if applicable ) and any confirmations/denials Any proof of payment misapplication or unexplained capitalization Your contact info ( entered only in the portal fields ) -- - 6 ) One-paragraph version ( if the form forces brevity ) Nelnet ( for U.S. Dept. of Education ) has not provided a complete, timely accounting of my federal student loans despite multiple requests. I still lack a full transaction history, capitalization details, payment allocation, and clear current status/plan. I also need confirmation/correction of any credit reporting. Please compel Nelnet/ED to ( 1 ) provide a full account reconstruction ( XXXX  ), ( 2 ) explain any forbearance/holds and confirm my current plan/IDR eligibility, ( 3 ) correct any inaccurate credit reporting and confirm updates to CRAs, ( 4 ) reverse any improper charges, and ( 5 ) assign a secure channel and single point of contact. I want a final, clear summary within 30 days confirming my accounts are accurate and in the correct status. \n\n\nCompany : Nelnet ( servicer ) for the U.S. Department of Education. \nI am XXXX XXXX. Federal student loans were fraudulently taken out in 2009 without my consent. I have disputed this repeatedly with Nelnet and other parties for years, yet Nelnet continues to treat me as liable and allows interest to accumulate. Despite my requests, I have not received a full account reconstruction, documentation proving my consent, or correction of records. This debt is not legally mine. I request : ( 1 ) proof of consent or promissory notes, ( 2 ) immediate release of liability, ( 3 ) removal of all adverse credit reporting, and ( 4 ) refund/waiver of all amounts falsely charged. \n\n\n-- - XXXX ) Full Narrative Who I am : I am XXXX XXXX, listed as a borrower on federal student loans serviced by Nelnet on behalf of the U.S. Department of Education ( ED ).\n\nWhat happened : Student loans were taken out in XXXX without my knowledge or consent. I did not sign the Master Promissory Note ( MPN ) or authorize disbursement. I have raised this dispute with Nelnet and other third parties for years. \n\nDespite repeated complaints, Nelnet continues to treat me as legally liable, allowing interest to accumulate for over a decade on loans that were not lawfully originated. \n\nNelnet has not provided copies of signed notes, disbursement authorizations, or other documentary proof tying me to the loans. \n\nInstead, I receive form letters demanding repayment or directing me into repayment plans, which presuppose liability that I dispute. \n\nThis has caused long-term financial harm, damaged my credit, and created barriers to my career and candidacy for public office. \n\n\nWhy this is a problem : No lender or servicer may lawfully collect on a debt without proof of consent. \n\nUnder the Higher Education Act and ED servicing contracts, Nelnet is required to maintain and provide loan origination documents ( e.g., signed MPN ).\n\nContinuing to assess and capitalize interest on loans taken without consent violates basic contract principles, as well as consumer protection law. \n\nIf credit reporting has occurred, this may also violate the Fair Credit Reporting Act ( FCRA ). \n\nI have a right under the Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) to request verification and to not be held liable for debts I did not incur. \n\n\nHarm suffered : More than a decade of accrued, compounding interest on a fraudulent debt. \n\nCredit damage from adverse tradelines. \n\nRepeated stress, wasted time, and financial barriers from a debt I do not legally owe. \n\n\n\n-- - 3 ) Requested Relief I request that the CFPB compel Nelnet and ED to : 1. Produce original signed documentation ( Master Promissory Note, disbursement records, consent forms ). If no such documents exist, immediately acknowledge the loans were not authorized.\n\n2. Release me from all liability and update all records accordingly.\n\n3. Cease interest accrual and remove all accumulated amounts tied to these unauthorized loans.\n\n4. Correct credit reporting delete all tradelines and adverse marks tied to these fraudulent loans.\n\n5. Refund or credit any amounts collected based on this debt.\n\n6. Provide a written statement from ED confirming that I am not legally responsible for these loans.\n\n7. Establish a secure communications channel and assign a single point of contact to resolve this matter.\n\n-- - 4 ) CFPB Form Selections Product : Student loan Loan type : Federal student loan Issue : Loan was taken out without my consent / incorrect information on account / problems with dispute resolution Company : Nelnet ( servicer ) Mention creditor : U.S. Department of Education ( ED ) Resolution sought : Release of liability, deletion of tradelines, refund/waiver of all amounts, proof of origination documents Submitter : I am the consumer -- - 5 ) Evidence Checklist Copies of all prior disputes you sent to Nelnet/ED. \n\nAny Nelnet responses ( especially form letters that ignore your liability dispute ). \n\nCredit report showing adverse tradelines tied to these loans. \n\nDocumentation showing lack of consent ( no signed MPN, no disbursement authorization ). \n\nA timeline of your disputes ( XXXX ). \n\nCourses of Action ( XXXX ) A. Loan Origination & Consent Verification ( XXXX ) 1. Produce the original Master Promissory Note ( MPN ) signed in XXXX ( if any ). \n\n\n2. Provide a copy of any consent form authorizing disbursements from that year.\n\n3. Identify the disbursing institution and verify whether it followed required ED procedures.\n\n4. Verify my identity was confirmed when the loan was originated.\n\n5. Provide all records of communication in 2009 related to the loan origination.\n\n6. Produce any affidavits or declarations attesting that I consented.\n\n7. Provide documentation of loan counseling ( if required ) that I allegedly received.\n\n8. Show evidence of how the lender verified that the address and SSN were correct.\n\n9. Produce a signature sample comparison ( if signature exists ).\n\n10. Identify any witnesses to the signing or issuance of the loan.\n\n11. Provide copies of all notices required by law at origination ( e.g., borrower rights, repayment options ).\n\n12. Show whether any power of attorney or guardianship was used.\n\n13. Provide copies of all disbursement schedules tied to the loans.\n\n14. Provide all promissory note amendments or consolidations.\n\n15. Identify any consolidation loans into which these loans may have been rolled.\n\n16. Provide a timeline of all disbursements, interest accrual, and capitalization events.\n\n17. Confirm whether the origination complied with HEA ( Higher Education Act ) requirements.\n\n18. Provide any state law disclosures required in 2009.\n\n19. Prove chain of title if the loan was sold or transferred.\n\n20. Confirm no fraudulent signatures or identity theft investigations were performed.\n\nB. Full Account Reconstruction ( XXXX ) XXXX. Produce a detailed transaction ledger from 2009 to present. \n\n\n22. Show interest rates in effect over time, by period.\n\n23. Record all payments madeprincipal, interest, feeswith date allocation.\n\n24. Show all capitalization events ( when interest was added to principal ), with dates and amounts.\n\n25. Provide an amortization schedule or calculation.\n\n26. Compute daily interest accrual.\n\n27. Provide calculations showing what I would have owed if no interest accrued ( hypothetical ).\n\n28. Show what my balance would be under each possible repayment plan.\n\n29. Provide all notices of delinquency or default sent to me.\n\n30. Show any subsidies or deferments applied.\n\n31. Provide records of any forbearance or suspension.\n\n32. Provide records of any administrative holds.\n\n33. Provide records of any refund or credit.\n\n34. Provide statements/emails showing required disclosure of fees.\n\n35. Provide all correspondence about loan status.\n\n36. Provide breakdown of fees charged ( origination, late, default, collection ).\n\n37. Provide payment allocation method used ( toward interest vs. principal ).\n\n38. Provide proof of proper disclosures under federal law.\n\n39. Provide my current balance : principal, interest, fees, capitalized amounts.\n\n40. Show whether any payments were misapplied.\n\n41. Provide reconciliation between what I paid vs. what the account shows.\n\n42. Provide monthly statements or notices ( if required ).\n\n43. Provide notices of rights under IDR/PSLF ( if required ).\n\n44. Provide past payment plan documents.\n\n45. Show how extra payments ( if any ) were credited.\n\n46. Provide records of current repayment status.\n\n47. Provide notice of any late fees or penalties and their basis.\n\n48. Provide proof of mailing ( or electronic delivery ) of all required statements.\n\n49. Provide disclosures of default rights.\n\n50. Provide proof that I was notified of all required rights ( e.g., deferment, loan forgiveness programs ).\n\nC. Credit Reporting & FCRA Compliance ( XXXX ) 51. Confirm whether any negative reporting to credit bureaus occurred.\n\n52. If yes, provide which bureau ( s ), which tradelines, on what dates.\n\n53. Remove or correct any adverse tradelines resulting from unauthorized/incorrect debt.\n\n54. Send proof to bureaus that corrections were made.\n\n55. Provide copies of all credit bureau reports in which my loans appear.\n\n56. Provide all furnisher documentation ( information provided to bureaus ).\n\n57. Confirm whether you reported interest that accrued illegally.\n\n58. Provide written confirmation of what was sent in dispute letters.\n\n59. Provide correspondence with credit bureaus about dispute.\n\n60. Provide any credit repair or remediation undertaken.\n\n61. Confirm that no further reporting will occur until this is resolved.\n\n62. Provide credit reporting history from 2009 forward.\n\n63. Provide any automated adverse action notices sent due to reporting.\n\n64. Provide whether any collections agency was involved in reporting.\n\n65. Provide records of any fees or collections forwarded to agencies.\n\n66. Provide dispute escalation logs for credit reporting.\n\n67. Provide records of any fees for credit report copies.\n\n68. Provide sample translated notices if non-English required.\n\n69. Provide documentation showing compliance with FCRA 15 U.S.C. 1681s-2.\n\n70. Provide policy for how Nelnet corrects furnishing errors.\n\nD. Communication, Dispute Process & Customer Access ( 71-95 ) 71. Provide secure means of communication ( portal/email ) documented.\n\n72. Assign a single individual as point of contact for my case.\n\n73. Provide transcripts or logs of phone calls related to my disputes.\n\n74. Provide email threads or message records.\n\n75. Provide dates when I made requests and Nelnets responses.\n\n76. Provide notice log showing when and how notices were delivered.\n\n77. Provide content of any written denials or explanations.\n\n78. Provide policy for turnaround time on borrower dispute requests.\n\n79. Provide whether Nelnet offered IDR or PSLF options.\n\n80. Provide written delivery receipts of bills or notices.\n\n81. Provide sample notices used for late or missed payments.\n\n82. Provide audit log of who accessed my customer profile.\n\n83. Provide security/privacy notifications sent to me.\n\n84. Provide customer complaint history related to similar origin-of-loan issues.\n\n85. Provide documentation of Nelnets escalations and internal reviews.\n\n86. Provide disclosures required under HEA/TEACHING regulations.\n\n87. Provide documentation of required annual notices.\n\n88. Provide records of default collection attempts.\n\n89. Provide records of student loan servicing oversight audits.\n\n90. Provide data on how many borrowers disputed origin-of-loan claims and resolution rates.\n\n91. Provide policy copies about debt collection communication frequency.\n\n92. Provide transcripts or recordings of any in-person meetings ( if applicable ).\n\n93. Provide disclosure of any internal investigation into identity theft/fraud regarding my account.\n\n94. Provide notice of rights under FDCPA ( if applicable ).\n\n95. Provide customer service scripts or guidelines used when denying origin consent.\n\nE. Regulatory, Legal & Policy Compliance ( 96-125 ) 96. Confirm compliance with ED servicing agreement obligations.\n\n97. Provide EDs oversight reports for Nelnets performance.\n\n98. Provide audit or compliance reviews by ED documenting issues.\n\n99. Provide copies of any FSA Ombudsman determinations relating to my loans.\n\n100. Provide all applicable federal statutes e.g., HEA, Title IV, 34 CFR 685 etc.\n\n101. Provide your policy for proving identity theft or fraudulent origin.\n\n102. Provide legal opinions you relied on for insisting on liability.\n\n103. Confirm compliance with statute of limitations where applicable.\n\n104. Provide policies on retention/destruction of origination records.\n\n105. Provide your internal legal analyses of borrowers disputing origin.\n\n106. Provide your attorneys interpretations of arbitration / dispute clauses.\n\n107. Provide documentation you rely on for refusing to honor IDR or forgiveness programs.\n\n108. Provide your governing contract with ED showing what Nelnet is responsible for.\n\n109. Provide FSA/ED guidance cited in that contract.\n\n110. Provide EDs written policies on loan disputes and fraud.\n\n111. Provide policy guidance on interest capitalization.\n\n112. Provide legal basis for capitalizing interest while dispute unresolved.\n\n113. Provide HEA guidance on borrower rights.\n\n114. Provide waiver or discharge policies and how they apply to unauthorized origin loans.\n\n115. Provide legal precedent or case law used in your decision.\n\n116. Provide policy on how Nelnet investigates claims of non-consensual origination.\n\n117. Provide EDs oversight metrics and penalties for servicers who fail.\n\n118. Provide your compliance with federal consumer protection laws ( FTC Act, TILA etc if any cross-applicable ).\n\n119. Provide policy on preventing discrimination or unfair targeting ( political belief etc ).\n\n120. Provide certifications or attestations that data privacy laws are complied with ( FERPA, other ).\n\n121. Provide legal review logs ( internal counsel advice memos ).\n\n122. Provide your policy for notifying borrowers about pending account closure or legal liability.\n\n123. Provide policy regarding contending assumption of debt without debt-origin documentation.\n\n124. Provide policy on disputing closed claims and releasing borrowers from misattributed liability.\n\n125. Provide your policy on customer restitution when errors committed.\n\nF. Refunds, Compensation & Financial Remedies ( 126-150 ) 126. Refund all interest accrued on loans taken without my consent.\n\n127. Waive all principal and interest on debts for which no promissory note exists.\n\n128. Remove all associated fees, penalties, late charges.\n\n129. Credit my account for any overpayments made.\n\n130. Recompute balance under no-debt scenario if origin not proven.\n\n131. Adjust any tax reporting ( 1098-E, etc. ) if required.\n\n132. Remove any collection agency charges.\n\n133. Cover cost of disputes ( phone, mail, time ).\n\n134. Compensate for credit score impact.\n\n135. Cover attorneys fees ( if I hire counsel ).\n\n136. Provide monetary compensation for emotional distress.\n\n137. Provide compensation for lost opportunities ( if campaign or job disrupted ).\n\n138. Provide punitive damages if lawfully permitted.\n\n139. Refund any charges for credit report copies if required.\n\n140. Compensate me for time lost gathering documentation.\n\n141. Compensation for late/unjust debt collections.\n\n142. Compensation for being denied or delayed IDR or forgiveness options.\n\n143. Assign a lump-sum settlement for harm done.\n\n144. Provide non-monetary compensation ( e.g., certificate or public acknowledgment if appropriate ).\n\n145. Provide clear, written apology.\n\n146. Agree to cover any costs I incur due to credit repair.\n\n147. Provide budget for oversight compliance.\n\n148. Offer settlement check or payment to cover all relevant taxes.\n\n149. Provide checks or payments for any garnishments, wage offsets wrongly made.\n\n150. Cover cost of verifying origin ( e.g., legal cover, document retrieval ).\n\n151. Reimburse any third-party disbursement or default fee.\n\n152. Provide my account statement free of fee for entire timeline.\n\n153. Provide zero-interest payment plan if reinstated.\n\n154. Provide retroactive forbearance credit if delay from Nelnet.\n\n155. Provide clear yearly statements going forward at no charge.\n\n156. Provide ongoing monitoring of credit report status.\n\n157. Provide guarantee that future servicing will not breach my rights.\n\n158. Supply written policy revisions and post them publicly.\n\n159. Present independent third-party audit or oversight of this case if requested.\n\n160. Produce a notarized affidavit from the employee who first opened the account file in 2009 ( or statement that no such employee exists ).\n\n161. Provide chain-of-custody logs for any physical documents ( MPNs, signed forms ) that you claim prove origination.\n\n162. Deliver a forensic image ( hash-signed ) of the database table row ( s ) that contain my account record as of each year-end 20092024.\n\n163. Produce the schema definition for the account table ( s ) that store borrower identity and loan metadata.\n\n164. Provide the DBA/DBMS logs showing the exact SQL operations that created or modified my account record.\n\n165. Provide certificate-signed hashes ( SHA-256 ) of all produced native files so integrity can be independently verified.\n\n166. Provide any OCR/scan-to-text output files for paper originals plus the raw scanned images.\n\n167. Produce proof of chain verification for any digital signature applied to origination documents.\n\n168. Produce records of any third-party identity verification vendor used ( contract + verification instance for my identity ).\n\n169. Provide results of any fraud-analytics retrospective review run against my account ( false-positive/false-negative analysis ).\n\n170. Provide the retention schedule applied to my origination documents and show whether any files were destroyed under that schedule.\n\n171. Produce log of any document destruction events for records tied to my account, with authorized approver and method.\n\n172. Provide the full version history ( diffs ) for any document that was modified ( eg MPN amendments ).\n\n173. Produce timestamped audit trail of any manual redactions applied to documents produced in discovery.\n\n174. Provide a legally-certified translation of any non-English material relied on in the origination process.\n\n175. Produce the ID verification algorithm output ( proof tokens, vendor score, acceptance threshold ) used at origination.\n\n176. Deliver the code snippet or query used to generate the account closed flag for my record, with comments.\n\n177. Provide all business rules that map detection triggers to closure outcomes, with effective dates.\n\n178. Produce copies of all training datasets used to train any ML model that flagged my account ( with sensitive PII redacted if necessary ).\n\n179. Provide model drift analyses showing performance changes of closure models since XXXX. \n\n\nXXXX. Produce a signed certification from the Chief Data Officer that no backdoor overrides were used to force this closure.\n\n181. Produce the full ticket history including internal severity codes, root cause analysis, and SLA timestamps for every support/ticket number related to my account.\n\n182. Produce a list of all service desk approvers who authorized final closure, with their approval timestamps.\n\n183. Provide the exact policy text that was presented to frontline staff when they executed the closure.\n\n184. Produce a copy of any external legal demand, court order, or subpoena that referenced my account ( if any ).\n\n185. Provide the raw logs of any automated remediation scripts executed against my account ( cron jobs, patches ).\n\n186. Produce the last three change management approvals that touched compliance decision-making systems used in my case.\n\n187. Provide the full PII access request log ( who requested access, justification, outcome ) for all access events for my file.\n\n188. Produce the complete list of IP addresses that connected to my account within 30 days prior to closure and the geolocation mapping for each.\n\n189. Provide forensic device identifiers ( device fingerprinting ) used to associate sessions to my account at time of alleged suspicious activity.\n\n190. Produce all analytic dashboards and export data that displayed my accounts risk score on each relevant date.\n\n191. Provide an independent third-party attestation that the closure workflow complied with your written procedures ( attestor name, scope ).\n\n192. Produce all redaction keys used to anonymize any produced documents so we can verify redactions were not substantive.\n\n193. Produce the auditable payroll/timecard records demonstrating how many hours staff spent investigating my case and the cost attributed.\n\n194. Provide the chain of custody and transfer records for any funds held, including bank account, ACH file IDs, settlement files.\n\n195. Produce audit logs of all exports of my data to any third party ( CSV/XML ) including recipient and purpose.\n\n196. Provide any internal legal memos assessing whether closure of a political candidates account could trigger FEC or First Amendment issues.\n\n197. Produce the list of all accounts that were closed the same day with the same reason code and the aggregate statistical justification.\n\n198. Provide a statistical false-positive rate for the closure reason code as applied in the prior 24 months.\n\n199. Produce a signed statement from the CEO or General Counsel certifying that the action was not based on political viewpoint.\n\n200. Provide copies of all external communications to vendors about my account ( email chains, portal messages ).\n\n201. Produce a formal root-cause analysis ( RCA ) for the closure decision with corrective action plan and responsible owners identified.\n\n202. Provide the escalation log showing every internal stakeholder briefed ( names/dates ) with their responses.\n\n203. Produce a redline history showing any policy text that was changed in response to past complaints about wrongful closures.\n\n204. Provide a list of all users/agents who had the authority to reverse a closure and show whether any reversal was attempted for my account.\n\n205. Produce confirmation of any hold placed on reporting to credit agencies during dispute and the start/end timestamps.\n\n206. Provide evidence that no adverse inference was drawn from my public political activity ( emails, memos showing political neutrality review ).\n\n207. Produce a list of every supervisory call ( recording or transcript ) where my case was discussed with senior management.\n\n208. Provide a corrective action metric showing percentage reduction in wrongful closures over past 12 months and link to remediation.\n\n209. Produce an offer to fund an independent audit by a mutually agreed firm ( with scope ) and agree to accept the auditors binding remediation recommendations.","date_sent_to_company":"2025-11-02T19:29:53.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Student loan debt relief","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"15971197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-09-17T04:34:10.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Provide <em>security</em>/privacy notifications sent to me.\n\n84. Provide customer complaint history related to similar origin-of-loan issues.\n\n85. Provide documentation of Nelnets escalations and internal reviews.\n\n86. Provide disclosures required under HEA/TEACHING regulations.\n\n87. Provide documentation of required annual notices.\n\n88. Provide <em>records</em> of default <em>collection</em> attempts.\n\n89. Provide <em>records</em> of student loan servicing oversight audits.\n\n90."]},"sort":[7.905899,"15971197"]},{"_index":"complaint-public-v1","_id":"10219697","_score":7.685505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint regarding account XXXX is to report JP Morgan Chase Bank, XXXX, XXXX, and XXXX for multiple violations of the Privacy Act of 1974, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Security Exchange Act and my rights as a Consumer. \nAccording to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JP Morgan Chase Bank is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that \" In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' JP Morgan Chase Bank, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written consent. All consent to XXXX, XXXX, XXXX, JP Morgan Chase Bank whether it be verbal, non-verbal, written, un-written, implied or otherwise is revoked. 15 USC 6802 ( b ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JP Morgan Chase Bank never informed me of my right to exercise my nondisclosure option.\n\nNot only that 15 USC 1681C ( a ) ( 5 ) states \" Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. \n\nJP Morgan Chase Bank reported to XXXX, XXXX, XXXX, who have reported Account XXXX with a Status reported as {$3600.00} Past Due. These items are violations of [ 15 U.S.C. 1681 ] 602, 15 U.S. Code 1681c and the Privacy Act of 1974. \nXXXX Reports a status of Closed, XXXX reports Collection/Chargeoff XXXX XXXX reports 120 Days Late XXXX reported a Count of Late Payments as XXXX, XXXX reported XXXX, and XXXX reported 5. All 3 agencies are in violation of 15 U.S. Code 1681, 15 U.S. Code 1681e XXXX reports a Charge Off Dec 2023-Aug 2024, Late Payments reported Jul 2023-XXXX XXXX NR reported XX/XX/XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n XXXX reports XXXX XX/XX/XXXX XX/XX/XXXX, late payments are reported XXXX XXXX. This violates 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681n JP Morgan Chase Bank nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, income does not get reported on the credit report which in fact makes reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled debt or Charge Off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099 from JP Morgan Chase Bank for the cancelled debt of {$3600.00} in order to file as ordinary income. JP Morgan Chase Bank seems to be committing fraud with the accounting of this account with the IRS without sending out 1099-As or Cs and any other applicable forms as required by the IRS for debts greater than {$600.00}. This is unacceptable. I want to see full disclosure of any 1099s, any other forms and the complete XXXX accounting, including all accounting for adherence to 12 CFR 1026.21 which states when a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. The involved parties have or should have filed with the IRS, Federal Trade Commission, Security Exchange Commission on my account. I want the account audited and corrected immediately.\n\nAlso 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of any reporting by JP Morgan Chase Bank, XXXX, XXXX and XXXX of this account. \nUnder 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of the reports given by JP Morgan Chase Bank shown on the credit report were done with any type of permission from me, the Consumer. I count each of the items as a violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater and I demand {$1000.00} per violation to JP Morgan Chase, XXXX, XXXX, and XXXX. \n\n( b ) Opt out, ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nPer 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. I demand immediate deletion of the account from ALL credit reporting agencies and {$1000.00} per violation committed by JP Morgan Chase Bank, XXXX, XXXX, and XXXX of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code. As well as a return of any funds ever paid, Security Interests, and insurance proceeds ever made on the account. And as it is unclear as to How the reporting agencies received any information to report, I see that JP Morgan Chase Bank and the reporting agencies have dual responsibility in violating multiple CFR and Acts and I want the CFPB to investigate and help me to get the proper remedy in these matters.","date_sent_to_company":"2024-09-23T19:50:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10219697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-23T19:18:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint regarding account XXXX is to report JP Morgan Chase Bank, XXXX, XXXX, and XXXX for multiple violations of the Privacy Act of 1974, the Fair Credit Reporting Act, Fair Debt <em>Collection</em> Practices Act, <em>Security</em> Exchange Act and my rights as a Consumer."]},"sort":[7.685505,"10219697"]},{"_index":"complaint-public-v1","_id":"6681429","_score":5.859066,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX,, Experian heretofore has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), XXXX XXXX XXXX XXXX XXXX XXXX is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( EXPERIAN AND XXXX XXXX XXXX XXXX,, ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( EXPERIAN AND XXXX XXXX XXXX XXXX XXXX applies to all listed accounts ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( EXPERIAN INC. ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( EXPERIAN INC. ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX XXXX XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety. \nPlease be advised Dear, EXPERIAN INFORMATION SOLUTIONS INC., Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. I am comprehending that the credit reporting agencies, EXPERIAN INFORMATION SOLUTIONS INC., XXXX XXXX XXXX  and XXXX XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. Thank you for your time and effort in this important and urgent matter.The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. EXPERIAN INFORMATION SOLUTIONS INC., XXXX XXXXXXXX XXXX and XXXX INC.How is it possible that this account has a payment history when its a charge off. Delete this account immediately. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$5000.00} } per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : personal statement Also important to note thar I am aware that The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.I can't provide exact dates because I have been trying to get this matter settled with EXPERIAN INFORMATION SOLUTIONS INC. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX for many years . As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 6 years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my EXPERIAN INFORMATION SOLUTIONS INC., credit report containing the following inaccurate and incomplete items : 1. Remove, Block and Delete ; XXXX XXXXXXXX XXXX XXXX Charged Off Account Account info - Account number XXXX Why are you disputing this account? Account is not accurate Reason ( XXXX ) for dispute : XXXX ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 2 : Remove Charged off ; XXXX XXXX Account info - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( XXXX ) for dispute : XXXX ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 3 : Remove- ; XXXX XXXX XXXX Account info - Account number XXXX Why are you disputing this account? Account is not accurate Reason ( XXXX ) for dispute : XXXX ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 4 ; XXXX XXXX XXXX Account info - Account number - XXXX Why are you disputing this account? Account is not accurate Reason ( XXXX ) for dispute : XXXX ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609. This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial because Ive disputed every negative item on my credit report, I also provided accurate information ( several times ) for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.I contacted XXXXXXXX XXXX  requesting that this loan be discharged in accordance with House Joint Regulation 192 of 1933. So far, they have not taken action. I have confirmation from a CFPB COMPLAINT # return receipt that they received my request several times over. Here is the authority listed that explains HRJ-192 and public law 73-10. HJR-192 AND PUBLIC LAW 73-10 LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation. They took everything including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us. We create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since 1933. The banks have a monopoly to our credit and for this \" service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. \nThis is true for Credit Card accounts and Mortgages. 1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. June 5, 6, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1 as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty. 2. Public Law 10 Chapter 48, 48 Stat. 112. 3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 1933 and validated in above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C . 1828. As the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~ ( Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. ~A bank is not the holder in due course upon merely crediting the depositors account. 2 ) That, the Federal Reserve Bank in its booklet ; page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. 3 ) That the giving a ( federal reserve ) note does not constitute payment. The use of a ( federal reserve ) 'Note ' is only a promise to pay. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. 6 ) That ( federal reserve ) 'Notes d o not operate as payment in the absences of an agreement that they shall constitute payment. 7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Listed. Legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. 9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender... 10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501. Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.I can't provide exact dates because I have been trying to get this matter settled with EXPERIAN INFORMATION SOLUTIONS INC., XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc for many years XXXX As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. \nEXPERIAN INFORMATION SOLUTIONS INC., 1.Remove, Block and Delete ; XXXX XXXX XXXX XXXX XXXX XXXX Account Account info - Account number XXXX XXXXRemove Charged off ; XXXX XXXX Account info - Account number - XXXX XXXXRemove - XXXX XXXX XXXX XXXX Account info - Account number - XXXX XXXX Remove- ; XXXX XXXX XXXX Account info - Account number XXXX To whom it may concern, I, XXXX XXXX XXXX The consumer and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. Every account statement has failed to demonstrate indebtedness. For example if I borrow { {$20000.00} } shouldnt my account statement show a negative {$200000.00}? And every time I make a payment it would reduce that amount bringing the negative balance closer to { {$0.00} }? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. All debts public and private are the obligation of the United States.\n\nThe creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ) .According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. I am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms States The creditor has been racketeering and extorting money out of I, XXXX XXXX, the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 Definitions States However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 10 days of receiving this notice. If my request or not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 10 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. Kind Regards, XXXX XXXX. Without prejudice/Recourse UCC 1 308XXXX XXXX XXXX EXPERIAN CFPB","date_sent_to_company":"2023-03-11T15:38:06.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-11T14:55:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-<em>investigation</em> and I am keeping a careful <em>record</em> of your actions, including your Method of Verification. 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