{"took":146,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16486573","_score":25.056694,"_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> <em>deposit</em>, 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":[25.056694,"16486573"]},{"_index":"complaint-public-v1","_id":"3807986","_score":10.582031,"_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":["They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and <em>security</em> <em>deposits</em>. 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 <em>records</em>, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ..."],"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":[10.582031,"3807986"]},{"_index":"complaint-public-v1","_id":"3807981","_score":10.563098,"_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":["They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and <em>security</em> <em>deposits</em>. 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 <em>records</em>, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ..."],"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":[10.563098,"3807981"]},{"_index":"complaint-public-v1","_id":"3807983","_score":10.526728,"_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":["They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and <em>security</em> <em>deposits</em>. 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 <em>records</em>, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ..."],"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":[10.526728,"3807983"]},{"_index":"complaint-public-v1","_id":"16303778","_score":10.052687,"_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":[10.052687,"16303778"]},{"_index":"complaint-public-v1","_id":"16305052","_score":10.042276,"_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":[10.042276,"16305052"]},{"_index":"complaint-public-v1","_id":"10218356","_score":9.432324,"_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":[9.432324,"10218356"]},{"_index":"complaint-public-v1","_id":"10220016","_score":9.008699,"_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":[9.008699,"10220016"]},{"_index":"complaint-public-v1","_id":"10219697","_score":8.65554,"_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":[8.65554,"10219697"]},{"_index":"complaint-public-v1","_id":"16845101","_score":8.618015,"_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":[8.618015,"16845101"]},{"_index":"complaint-public-v1","_id":"6681429","_score":7.1961913,"_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":["According to 18 USC section 8 Obligation or other <em>security</em> of the United States defined States The term obligation or other <em>security</em> 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 <em>deposit</em>, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States"],"product":["Debt <em>collection</em>"]},"sort":[7.1961913,"6681429"]},{"_index":"complaint-public-v1","_id":"6949502","_score":7.17336,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","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 , 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 INCXXXX, 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 XXXX XXXX and XXXX XXXX.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 XXXX 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 : XXXX. Remove, Block and Delete ; XXXX XXXX XXXX XXXX Charged Off Account Account info - Account number XXXX Why are you disputing this account? Account is not accurate Reason ( s ) 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 ( s ) for dispute : 1 ) 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 ( s ) for dispute : 1 ) 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account info - Account number - XXXX  Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) 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 XXXX 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 XXXX. 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. XXXX. House XXXX XXXX. 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 XXXX XXXX in XXXX ) XXXX ) 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 '. \nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in XXXX 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 . 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 INCXXXX, 1.Remove, Block and Delete ; XXXX XXXX XXXX XXXX XXXX XXXX Account Account info - Account number XXXX XXXX Charged off ; XXXX XXXX Account info - Account number - XXXX XXXX - 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, XXXXtional 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 1 308.4 XXXX XXXX","date_sent_to_company":"2023-05-08T20:34:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6949502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-08T20:34:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received unsolicited financial product or insurance offers after opting out"},"highlight":{"complaint_what_happened":["According to 18 USC section 8 Obligation or other <em>security</em> of the United States defined States The term obligation or other <em>security</em> of the United States includes all bonds, certificates of indebtedness, XXXXtional bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of <em>deposit</em>, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States"]},"sort":[7.17336,"6949502"]},{"_index":"complaint-public-v1","_id":"10065905","_score":6.500539,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to report XXXX XXXX XXXXXXXX, XXXX, Equifax, and XXXX for multiple violations of the Privacy Act of XXXX974, the Fair Credit Reporting Act, Security Exchange Act and my rights as a Consumer. \nAs stated on the XXXX XXXX XXXX XXXX XXXX XXXX filed with the Securities and Exchange Commission XXXX XXXX, XXXX, XXXX - Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized. XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Controller and Principal Accounting Officer. XXXX XXXX XXXX XXXX is in violation of their aggreements. \n\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 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, 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 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. '' I was never informed 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. XXXX XXXX XXXX committed multiple violations of 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 XXXX, XXXX, Equifax and XXXX are not maintaining reasonable procedures. \n\nXXXX XXXX XXXX disclosed to the reporting agencies information on Account XXXX. XXXX, reported a Status as Collection/ Chargeoff. Equifax reported Closed. XXXX reported Closed. These are violations of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to XXXX, Equifax, XXXX. XXXX reported Opened Date of XXXX, Equifax reported Opened Date of XXXX and XXXX reported Opened Date of XXXX. XXXX XXXX XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to reporting agencies and XXXX reported a Credit Limit of {$700.00}, Equifax reported {$0.00}, and XXXX reported {$700.00}. XXXX XXXX XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX reports Date reported as XXXX, Equifax reports Date reported as XXXX, XXXX reports Date reported as XXXX. All 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974. \nXXXX XXXX XXXX disclosed to XXXX and they report Payment History as such - XX/XX/XXXX Charge Off and XXXX Remarks Charged off as bad debt. Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to Equifax and they report Payment History XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX reports of XXXX. Equifax Remarks Account transferred or sold. Charge This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to XXXX and they report Payment History XXXX XXXX XXXXXXXX XXXX Remarks Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness and income 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-A or C from XXXX XXXXXXXX XXXX for the cancelled debt of an unknown amount in order to file as appropriately. XXXX XXXX XXXX is committing fraud with the accounting of this account with the IRS without sending out the 1099 A or C 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 GAAP 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\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\nPART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 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. ( 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. \nI am opting out of any and all reporting by XXXX XXXX XXXX, XXXX, Equifax and XXXX of this account. \n\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 CXXXX XXXX XXXX showing 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 XXXXXXXX, XXXX, Equifax, and XXXX. \n\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, Equifax, and XXXX of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code, the Uniform Commercial Code and the Privacy Act of 1974. 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 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. \n\nI also want a full audit of the account performed by the IRS and any amount due to me be made. \n\nAll funds due to me are to be deposited according to the Electronic Funds Transfer Act into my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX, Routing # XXXX I'm not sure how to include the 4 violating parties in the complaint when the CFPB Complaint fill in form for who to complain about only allows 3 entries. There are 3 reporting agencies and 1 financial institution included. Please include all 4 parties in the investigation and calculate the violations of each when calculating damages.","date_sent_to_company":"2024-09-09T19:30:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10065905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-09T19:30:54.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please include all 4 parties in the <em>investigation</em> and calculate the violations of each when calculating damages."]},"sort":[6.500539,"10065905"]},{"_index":"complaint-public-v1","_id":"10081703","_score":6.484666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to report Capital One WalMart, XXXX, XXXX, and XXXX for multiple violations of the Privacy Act of 1974, the Fair Credit Reporting Act, Security Exchange Act and my rights as a Consumer. \nAs stated on the Capital One Financial Corporation Form 8-k filed with the Securities and Exchange Commission dated XXXX, XXXX, XXXX - Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form XXXX to be signed on its behalf by the undersigned hereunto duly authorized. CAPITAL ONE FINANCIAL CORPORATION Date : XX/XX/XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Controller and Principal Accounting Officer. Capital One Financial Corporation is in violation of their aggreements. \n\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. '' Capital One WalMart 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. '' Capital One WalMart, 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, Capital One WalMart 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. '' I was never informed 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. Capital One XXXX committed multiple violations of 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. Capital One XXXX, XXXX, XXXX and XXXX are not maintaining reasonable procedures. \n\nCapital One XXXX disclosed to the reporting agencies information on Account XXXX. XXXX, reported a Status as Collection/ Chargeoff. XXXX reported Closed. XXXX reported Closed. These are violations of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 Capital One XXXX disclosed to XXXX, XXXX, XXXX. XXXX reported Opened Date of XXXX, XXXX reported Opened Date of XXXX and XXXX reported Opened Date of XXXX. Capital One XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 Capital One XXXX disclosed to reporting agencies and XXXX reported a Credit Limit of {$700.00}, XXXX reported {$0.00}, and XXXX reported {$700.00}. Capital One XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX reports Date reported as XXXX, XXXX reports Date reported as XXXX, XXXX reports Date reported as XXXX. All 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974. \nCapital One XXXX disclosed to XXXX and they report Payment History as such - XX/XX/XXXX Charge Off and XXXX Remarks Charged off as bad debt. Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 Capital One XXXX disclosed to XXXX and they report Payment History XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX reports of NR. XXXX Remarks Account transferred or sold. Charge This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 Capital One XXXX disclosed XXXX XXXX and they report Payment History XXXX XXXX XXXX. Experian Remarks Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 Capital One XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness and income 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-A or C from Capital One XXXX for the cancelled debt of an unknown amount in order to file as appropriately. Capital One XXXX is committing fraud with the accounting of this account with the IRS without sending out the 1099 A or C 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 GAAP 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\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\nPART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 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. ( 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. \nI am opting out of any and all reporting by Capital One XXXX, XXXX, XXXX and XXXX of this account. \n\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 Capital One XXXX showing 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 Capital One XXXX, XXXX, XXXX, and XXXX. \n\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 Capital One XXXX, XXXX, XXXX, and XXXX of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code, the Uniform Commercial Code and the Privacy Act of 1974. 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 Capital One 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. \n\nI also want a full audit of the account performed by the IRS and any amount due to me be made. \n\nAll funds due to me are to be deposited according to the Electronic Funds Transfer Act into my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Routing # XXXX I'm not sure how to include the 4 violating parties in the complaint when the CFPB Complaint fill in form for who to complain about only allows 3 entries. There are 3 reporting agencies and 1 financial institution included. Please include all 4 parties in the investigation and calculate the violations of each when calculating damages.","date_sent_to_company":"2024-09-09T19:30:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10081703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-09-09T19:15:39.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please include all 4 parties in the <em>investigation</em> and calculate the violations of each when calculating damages."]},"sort":[6.484666,"10081703"]},{"_index":"complaint-public-v1","_id":"10078763","_score":6.4792233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to report XXXX  XXXX XXXX, XXXX, XXXX, and Experian for multiple violations of the Privacy Act of 1974, the Fair Credit Reporting Act, Security Exchange Act and my rights as a Consumer.\n\nAs stated on the XXXX XXXX XXXX XXXX Form 8-k filed with the Securities and Exchange Commission dated XXXX, XXXX, XXXX - Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized. XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX By : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Controller and Principal Accounting Officer. XXXX XXXX XXXX XXXX is in violation of their aggreements.\n\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 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, 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 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. '' I was never informed 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. XXXX XXXX XXXX committed multiple violations of 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 XXXX, XXXX, XXXX and Experian are not maintaining reasonable procedures. \n\nXXXX XXXX XXXX disclosed to the reporting agencies information on Account XXXX. XXXX, reported a Status as Collection/ Chargeoff. XXXX reported Closed. Experian reported Closed. These are violations of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to XXXX, XXXX, Experian. XXXX reported Opened Date of XXXX, XXXX reported Opened Date of XXXX and Experian reported Opened Date of XXXX. XXXX XXXX XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to reporting agencies and XXXX reported a Credit Limit of {$700.00}, XXXX reported {$0.00}, and Experian reported {$700.00}. XXXX XXXX XXXX and all 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX  reports Date reported as XXXX, XXXX reports Date reported as XXXX, Experian reports Date reported as XXXX. All 3 agencies are in violation of 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974. \nXXXX XXXX XXXX disclosed to XXXX and they report Payment History as such - XX/XX/XXXX Charge Off and XXXX Remarks Charged off as bad debt. Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to XXXX and they report Payment History XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX reports of XXXX  XXXX Remarks Account transferred or sold. Charge This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX disclosed to Experian and they report Payment History XXXX XXXX XXXX. Experian Remarks Purchased by another lender. This violates 12 CFR 1022.3, 15 U.S. Code 1681, 15 U.S. Code 1681c, 15 U.S. Code 1681e, 15 U.S. Code 1681n, 15 U.S. Code 1681o 15 USC 1681s-2, and the Privacy Act of 1974 XXXX XXXX XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness and income 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-A or C from XXXX XXXX XXXX for the cancelled debt of an unknown amount in order to file as appropriately. XXXX XXXX XXXX is committing fraud with the accounting of this account with the IRS without sending out the 1099 A or C 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 GAAP 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\n\nhave or should have filed with the IRS, Federal Trade Commission, Security Exchange Commission on my account. I want the account audited and corrected immediately. ( b ) Opt out, ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third pa\nrty unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic f\n\norm 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. PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and\nscope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers\n\nby the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in\nany notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 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. ( 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\nI am opting out of any and all reporting by XXXX XXXX XXXX, XXXX, XXXX and Experian of this account.\n\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 showing 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 XXXXXXXX XXXX, XXXX, XXXX, and Experian. \n\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, and Experian of the Fair Credit Reporting Act, Code of Federal Regulations, and the United States Code, the Uniform Commercial Code and the Privacy Act of 1974. 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 XXXXXXXX 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. \n\nI also want a full audit of the account performed by the IRS and any amount due to me be made. \n\nAll funds due to me are to be deposited according to the Electronic Funds Transfer Act into my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX, Routing # XXXX I'm not sure how to include the 4 violating parties in the complaint when the CFPB Complaint fill in form for who to complain about only allows 3 entries. There are 3 reporting agencies and 1 financial institution included. Please include all 4 parties in the investigation and calculate the violations of each when calculating damages.","date_sent_to_company":"2024-09-09T19:30:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"10078763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-09T19:30:54.000Z","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":["Please include all 4 parties in the <em>investigation</em> and calculate the violations of each when calculating damages."]},"sort":[6.4792233,"10078763"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}}]}},"issue":{"doc_count":15,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":6},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":15,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15}]}},"company_response":{"doc_count":15,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":15,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":15}]}},"company":{"doc_count":15,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"EQUIFAX, INC.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Rowland Avenue Management, Inc. 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