{"took":125,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":66,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12317166","_score":15.210064,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint regarding a series of unauthorized activities on my checking account, as well as the denial of my fraud claim by Bank of America. \n\nOn XX/XX/XXXX, in the early morningwhile the bank was not yet XXXX received an email stating that my bank password had been changed, an action I did not authorize. I immediately logged into my account and reset my password, believing that this would prevent further unauthorized access and protect my funds. However, shortly thereafter, I began receiving additional emails from the bank indicating that the contact information in my account was being altered. Specifically, while my account initially had two phone numbers ( one for me and one for my daughter ) along with my email address, the fraudsters deleted my daughters phone number and changed my email address to one they created. They have control of my phone number and as a result, all the contact information on my account came under their control, leaving me unable to manage or secure my account. Eventually, I was unable to log into my online banking and could no longer verify whether my funds were still intact. \n\nWhen I arrived at my local branch first thing that morning, I was informed that there were several large, suspicious transactions in my checking account. I was told that two unauthorized transactions had been processed and several others were still pending. Although some of these transactions were reversedpresumably after the bank detected the duplicated large transactionsmost were directed to a company called XXXX Texas, with which I have no business relationship as I reside in California. Additionally, the banker noted that someone had even ordered debit cards on my behalf. \n\nI promptly filed fraud claims with Bank of America for all of these unauthorized transactions and was told the money will return in XXXX business days. While as of today, one claim resulted in a temporary credit but still invesgating, another was denied with the explanation that the charge was authorized by you or made by someone who has permission to use the card or account. This reasoning is incorrect, as none of these transactions were authorized by me. Furthermore, I am concerned that even the temporary credit may later be reversed.\n\nI also believe that the banks reliance solely on phone numbers for identity verification presents a significant security vulnerability. Fraudsters canand in my case, didgain control of phone numbers to intercept security codes and manipulate account information. Despite being the legitimate account holder, the fraudsters control of my phone number prevented me from receiving security codes, leading the bank to mistakenly assume that I was not the authorized user. This practice poses a serious risk and highlights a major flaw in the banks security protocols. \n\nI respectfully request that the CFPB investigate this matter to ensure that proper procedures are followed in handling fraudulent activities and to protect consumers from being held responsible for unauthorized transactions. \n\nThank you for your prompt attention to this serious issue. I am prepared to provide any additional information or documentation as needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-04T17:12:37.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91752","tags":null,"has_narrative":true,"complaint_id":"12317166","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-04T16:52:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They have control of my phone number and as a result, all the contact information on my <em>account</em> came <em>under</em> their control, leaving me unable to manage or secure my <em>account</em>. Eventually, I was unable to log into my online banking and could no longer verify whether my funds <em>were</em> still intact. \n\nWhen I arrived at my local branch first thing that morning, I was informed that there <em>were</em> several large, suspicious transactions in my checking <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[15.210064,"12317166"]},{"_index":"complaint-public-v1","_id":"6917662","_score":14.143816,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Problem repeated XX/XX/XXXX XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT When bank didnt cancel the fraudulent duplicate payment criminally processed through my account or through technical error, I called and informed them of such lack of oversight on XX/XX/XXXX. I received a nonsensical approach to the matter that diverted from their normal business practices that requested that I call back once the transaction was done processing after a week. There are different categories of bank accounts and such balances required do not always exceed {$15000.00}. However, in my case, two duplicate charges of {$10000.00} usually causes a phone call or something more extreme, such as cancelling or voiding the transaction, which can also upset me when the transactions are intended. However, in this case they were not and they expected me to simply mask this lack of oversight and support with requesting that I call the lender to request a refund of the duplicate charge. The lender in question is never interested in such since this is not the first time that the lender has received more than two payments exceeding three to four times the minimum amount due. Furthermore, the following messages were also sent to XXXX. -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX XXXX XXXX XXXX Date : Friday, XX/XX/XXXX Subject : Frequency of Cyber-Enabled Financial Crimes Fraud After Filing Reports with CFPB To : XXXX XXXX : XXXX, XXXX Good morning, Bank of America would not dispute the transaction according to normal business conduct, instead they are waiting a week and my concern is that they will not put their response in any type of writing, reflecting past criminal activities where my account was affected in this manner that resembled sting operation training with no basis for prosecution rather than just going through the process in form, and in the meantime ensuring the consequences of such misuse to my account, which would include, rejecting any transactions coming through to my account. Thank you for your attention. Respectfully, XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Fri, XXXX XXXX, XXXX at XXXX Subject : Re : Your available account balance is low To : XXXX, XXXX Good morning, This message is to report that when I called at approximately XXXX AM PST that Bank of America customer service agaiXXXX misinformed me that the second duplicate Online Bill Payment in the amount of {$10000.00} that was pending on XX/XX/XXXX could not be disputed although it cleared this morning on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX that once the transaction cleared, that it could be disputed. Having XXXX simply refund the amount only looks as if I overpaid any amount due, which would be the case, and would not treat the transaction as a fraudulent transaction or technological error, both produced through Bank of America in their error, including allowing a third party to access online bill pay for such illegal means, while making it difficult to access such online features for myself. This type of activity would not be new to Bank of America, as reported yesterday. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Thu, XXXX XXXX, XXXX at XXXX Subject : Re : Frequency of Cyber-Enabled Financial Crimes Fraud After Filing Reports with CFPB To : XXXX Cc : XXXX, XXXX Good afternoon, Please see the attached picture of such duplicate transaction created by the fraudulent security project. Again the concern here is moving me to the front of the line for an activity that I would otherwise be selected for at random, and having the ability to do that numerous times. Thank you. Respectfully, XXXX XXXX XXXX XXXX On Thu, XXXX XXXX, XXXX at XXXX Vernica XXXX XXXX XXXX XXXX wrote : Good afternoon, The following incidents were reported to the CFPB, and the fraudulence in such arising security projects, aside from aggressive tactics in other forms, arose right before the third incident, while evidence that such predatory practices of illegitimate purposes were well underway and within the timeline of activities in corresponding services made through the bank and the CFPB after the second incident. At this point, after the lack of success involving the third incident, and other activities associated with my CFPB account that remained unresolved or temporarily, such as the XXXX XXXX case that was overturned and reinvestigated several times or the XXXX XXXX case that did not go anywhere, I do not believe that initiating an additional case with the CFPB will be successful but that this activity, as the FTC states is within the role of such bureau to receive, even if ineffective or damaging to the claimant. The fraudulent security project that took a retaliatory step in including my account for such reason now a fourth time, with the third time being the time that I had to open a new checking account to have my funds transferred from this account, because such fraudulent security projects involved me in their investigation scams and fr [ oze ] my funds outside of any legitimate investigation leading to prosecution, and such has been the case since XXXX, aside from allowing the mismanagement of my information for inspection by XXXX XXXX representatives for inclusion in their advertising and marketing events. I have completely no knowledge. They all come across as legitimate bank errors or security investigations, i.e. when law enforcement seizes funds under a legitimate investigation. However, there is no reason for prosecution, and I have waited for such prosecution and none occurred. ( XXXX ) My current account allowed the [ Dept of Education ] to withdraw a payment not within the terms of my contract that placed it into an overdrawn status without notification that such occurred ; Bank of America and the Department of Education would have records of the transaction that was in dispute around XXXX. ( 2 ) My current account was frozen sometime between XXXX XXXX ; Bank of America would have information on the first seizure ( freezing ) of the account. ( 3 ) At the time my current account had to be closed because the funds were frozen and were allowed to be released into a different bank account ; Even in the case where I was told I needed to transfer to a new bank account, when it came time to dispute the related charges for such recommended activity because the bank could not protect my information, they then spoke in the context that I had freely selected such action outside of the context for the reason of opening such account, i.e. irrespective of the fraudulent temporary seizure of my funds. Bank of America would have records of the seizure affecting my current account and the date the second account was opened ( 4 ) XX/XX/XXXX : The second duplicate bill pay transaction was a product of a technical error that I believe was produced out of malic [ e ] and fraud related to the credit condition that would stand after its payment, and that because such stance would be positive, such error was created to create a delinquent view o [ f my ] finances. When I called the customer service center twice, I was not able to quickly report and process this second transaction, and was juggled not only by the automated answering service, but I also experienced technical errors when speaking to both customer service agents, one in that the first could not hear me and needed each piece of information duplicated and the second stated that she could simply not dispute the second bill pay amount. Bank of America, NXXXX, and XXXX XXXX XXXX, would have information regarding the XX/XX/XXXX transaction in dispute. Technical Errors Affecting Routing of Calling System I received fast busy signals XXXX times when calling the XXXX and was automatically treated like a regular bank account status request call instead of a transaction dispute or security and fraud investigation request. https : XXXX Report fraudulent or suspicious activity Credit card charges Log into Online Banking and follow the instructions. ATM or debit charges XXXX Mortgage accounts XXXX XXXX XXXX XXXX XXXX. ( local time ) Home equity accounts XXXX XXXX XXXX XXXX XXXX. ( local time ) Online Banking XXXX All other XXXX XXXX ( international collect ; cell phone roaming charges may apply ) MonFri XXXX XXXX XXXX ( local time ) XXXX XXXX XXXX XXXX. ( local time ) Spanish XXXX MonFri XXXX XXXX XXXX. ( local time ) XXXX XXXX XXXX XXXX ( local time ) I was offered the following phone number for Online Bill Pay Fraud, XXXX XXXX XXXX, and such number was never disclosed on the Bank of America website, and this may be the number that the first and second customer service agent transferred me to, but I could not connect to a live person to explain my dispute through their transfer, or through calling the numbers associated with Online Bill Pay through either of those means. The second phone number that she provided during the second customer service call was XXXX and such number presented the same prompts as XXXX XXXX XXXX before it attempted to direct me to the general account services phone number voice prompts, and then it did. I could not receive adequate support for this specific issue on the account. I received the same type of general account services support that I would receive for a debit card transaction that did not apply to this transaction, and not one that would go into specific detail about the fraudulent security project that took a retaliatory step in including my account for such reason now a fourth time, with the third time being the time that I had to open a new checking account to have my funds transferred from this account, because such fraudulent security projects involved me in their investigation scams and fr [ oze ] my funds outside of any legitimate investigation leading to prosecution, and such has been the case since XXXX, aside from allowing the mismanagement of my information for inspection by XXXX XXXX representatives for inclusion in their advertising and marketing events. Notice : This message and any attachments may only be intended for the named and/ or addressed recipient ( s ). Its contents ( including any attachments ) may be legally privileged or otherwise protected from disclosure by law, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. Unauthorized use, copying, distribution or disclosure of any of it may be unlawful and is strictly prohibited. The owner of this account assumes no responsibility to persons other than the intended named and addressed recipient ( s ), no responsibility to any persons in cases of unsolicited electronic junk or spam messages sent using the address of this account or use of the account without authorization of its owner, and does not accept liability for any errors or omissions which are a result of email transmission. If you have received this message by mistake, please immediately notify the sender by reply email and confirm that the original message and any attachments and copies have been destroyed and deleted from your system. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.","date_sent_to_company":"2023-05-02T17:50:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91789","tags":null,"has_narrative":true,"complaint_id":"6917662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-02T17:46:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They all come across as legitimate bank errors or <em>security</em> <em>investigations</em>, i.e. when law enforcement seizes funds <em>under</em> a legitimate <em>investigation</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.143816,"6917662"]},{"_index":"complaint-public-v1","_id":"15397819","_score":14.116707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, including wrong addresses, late payments, charge-offs, and collections. These errors have caused me financial harm, undue stress, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \nWrong Address Reporting XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OK XXXX Law Cited : FCRA XXXX ( b ) requires the use of reasonable procedures to assure maximum possible accuracy. Wrong addresses are clear violations of this principle. Further, under FCRA XXXX, disputed information must be corrected or deleted if unverifiable. \nStory ( Extended ) : Reporting addresses that I have never lived at or even been associated with has created unnecessary confusion. These wrong addresses suggest I have connections, homes, or obligations that are entirely false. Every time a lender reviews my credit file, they see addresses tied to me that dont belong, and this raises red flags as if I am hiding something or have unstable residency. Beyond this, the inclusion of false addresses exposes me to the serious risk of identity theft, where unknown individuals with those addresses could potentially link fraudulent accounts to my report. The presence of these wrong addresses not only violates the law but also damages my credibility, making me look irresponsible or even deceptive when in reality these entries are completely inaccurate. \n\nXXXX XXXX  XXXX XXXX XXXX XXXX Duplicate & Late Payments Issue : Duplicate negative reporting Balance {$120000.00} Opened XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ) & XXXX ( b ). Reporting a duplicate account to reflect the same debt more than once is misleading and unlawful. \nStory ( Extended ) : This is essentially a duplicate or related record of the XXXX account above. Having both accounts reported makes it look like I have double the derogatory history from XXXX single debt, exaggerating the damage to my credit file. This is deceptive to creditors and highly prejudicial against me. Because duplicates unfairly double the impact of a negative record, they create inaccurate impressions about my credit history. Such reporting is clearly prohibited under federal law and must be deleted to meet the standard of accuracy. \n\nXXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$4900.00} Opened XX/XX/XXXX Law : FCRA requires strict accuracy. FDCPA XXXX prohibits false reporting of debt. \nStory ( Extended ) : This listing of charge off is not reflective of the true history of this account. It gives the impression that I abandoned a legal obligation without addressing it, when in truth, there are disputes and circumstances surrounding this debt that were not investigated or validated. Because of this charge-off status, my creditworthiness appears severely damaged, causing me to be denied critical financial products such as loans and credit cards. Each time a bank sees charge-off, they assume I am unreliable, when in reality the reporting is unfair and lacks legal validation. The distress of being treated as financially irresponsible in situations like applying for housing or credit cards is humiliating and harmful. \n\nXXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1100.00} Opened XX/XX/XXXX Law : FDCPA XXXX ( b ) requires full validation prior to collection or reporting. Unverified information must be deleted under FCRA XXXX. \nStory ( Extended ) : I raised disputes on this account, yet it continues to report as a charge-off as if no investigation was made. Allowing inaccurate or unverified derogatory remarks to remain on my file demonstrates negligence in compliance. Every time a creditor denies me, I am faced with explaining a charge-off that should not even exist if validation had been properly obtained. This undermines both my dignity and confidence as a consumer. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1000.00} Opened XX/XX/XXXX Law : Same as above FCRA XXXX ; FDCPA XXXX ( b ). \nStory ( Extended ) : Having such small amounts reported as charge-offs still delivers devastating weight to my profile. Even if the debt is disputed or unvalidated, the mere presence of a charge-off makes lenders view me in the worst possible light. I deal with anxiety and worry every time I apply for credit, fearing this unjust reporting will be held against me. My financial reputation, built with effort, is being torn apart unfairly by information that can not even be verified. \n\nXXXX XXXX XXXX XXXX XXXX  Late Payments Issue : Balance {$12000.00} Opened : XX/XX/XXXX Late Payments Reported Law : FCRA XXXX ( a ) ( XXXX ) makes reporting of late payments older than 7 years illegal. \nStory ( Extended ) : The lateness reported here is so old that under the law it is legally prohibited from remaining. Yet the continued presence burdens me every day. Student loans already bring stress and challenges; compounding that with illegal negative reporting only worsens consumer hardships. These obsolete late payments misrepresent my financial responsibility to any prospective lender or employer. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two Accounts, Duplicate Charge Offs Issue : Charge Offs Balances {$4800.00} and {$11000.00} Both Opened XX/XX/XXXX Law : Reporting duplicate accounts creates false impressions of debt load a violation of FCRA accuracy standards.\n\nStory ( Extended ) : The duplicate reporting of these accounts has made it appear as though I owe significantly more than I do. This exaggerates my liabilities and portrays a misleading image of my repayment ability. The impact has been devastating, leading lenders to believe my debt-to-income ratio is far greater than reality, causing adverse credit decisions. This kind of unfair duplication has no justification and must be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$5000.00} Opened XX/XX/XXXX Law : FCRA demands all derogatory information must be verified ; FDCPA requires validation upon dispute. \nStory ( Extended ) : I disputed this account, yet the charge off still stands. Unverified reporting is not legal. This tradeline presents me as someone who abandons repayments, tarnishing my profile in the eyes of future creditors. These false impressions have caused embarrassment and rejection. Without proper validation, maintenance of this tradeline is punishment without legal basis. \n\nXXXX XXXX XXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Type : Charge Off Issue : This account is being reported as Charge Off without showing proper payment records, settlement terms, or supporting details. The reporting is incomplete and does not present an accurate, full picture. \nLaw : Under FCRA XXXX ( a ), when a consumer disputes an account, the credit reporting agency must conduct a reasonable investigation. If complete and verified information can not be obtained, the tradeline must be corrected or deleted. Incomplete reporting makes the entry misleading, which is prohibited under FCRA XXXX ( b ). \nStory : During the time this debt allegedly charged off, I was going through severe personal and financial hardship, struggling to cover even basic expenses. I had reached out for assistance, but the limited options available at the time left me vulnerable. Despite my attempts to communicate, the account was abruptly charged off, and now it reflects negatively without any context that shows my true efforts to resolve matters. This incomplete reporting makes me appear irresponsible to lenders, when, in fact, my situation was XXXX of hardship, not recklessness. Because of this account, I was denied approval for a personal loan that could have helped consolidate and manage my expenses responsibly. As a result, my financial setback deepened unnecessarily. \n\nXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This appears to be a repeat of the earlier XXXX  collection account, reported again with slightly modified details. Such multiple listings distort my credit history and create artificially severe negative impact. \nLaw : Under FDCPA XXXX ( XXXX ) ( A ), misrepresenting the legal status of debt or presenting one debt as multiple is considered a deceptive collection practice. In addition, FCRA requires accuracy and prohibits duplicate or misleading reporting.\n\nStory : This small debt is exaggerated into a bigger issue by being reported twice under different entries. For a consumer trying to recover and rebuild, this is devastating. Even though the alleged balance is relatively low, the harm it causes by being doubled-up on my credit file is extreme. When I recently applied for renters insurance for my familys apartment, I was marked as high risk solely because of these repeated collections, making it harder and more expensive for my family to have even basic security. The unfairness of the situation can not be overstated my reputation and opportunities are being unfairly destroyed by a debt that should never appear twice. \nFinal Appeal and Demand Request for Action : XXXX. Conduct a thorough investigation of all disputed accounts and addresses. \nXXXX. Correct or delete all inaccurate, misleading, or unverifiable entries. \nXXXX. Provide written confirmation of corrections and deletions. \nXXXX. Investigate the credit furnishers for compliance with FCRA and FDCPA requirements. \nI request that CFPB intervene to ensure these inaccuracies are corrected promptly. Continued reporting of these erroneous accounts is a violation of federal law, and I reserve the right to pursue legal remedies if necessary. \nThank you for your immediate attention. I expect acknowledgment within the 30-day period required by FCRA, with a full resolution communicated in writing.","date_sent_to_company":"2025-08-21T00:42:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"748XX","tags":null,"has_narrative":true,"complaint_id":"15397819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T00:36:57.000Z","state":"OK","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":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two <em>Accounts</em>, <em>Duplicate</em> Charge Offs Issue : Charge Offs Balances {$4800.00} and {$11000.00} Both Opened XX/XX/XXXX Law : Reporting <em>duplicate</em> <em>accounts</em> <em>creates</em> false impressions of debt load a violation of FCRA accuracy standards.\n\nStory ( Extended ) : The <em>duplicate</em> reporting of these <em>accounts</em> has made it appear as though I owe significantly more than I do. This exaggerates my liabilities and portrays a misleading image of my repayment ability."]},"sort":[14.116707,"15397819"]},{"_index":"complaint-public-v1","_id":"15711292","_score":13.858983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding multiple inaccurate and unverifiable accounts on my credit report that are causing severe financial, emotional, and reputational harm. These accounts violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609, 611, 623, as well as the Fair Debt Collection Practices Act ( FDCPA 809 ) and UDAAP protections. Despite repeated disputes, these errors continue to remain, resulting in repeated loan denials, higher interest rates, housing application denials, and significant emotional distress. \nIncorrect Addresses Reported XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly reported and never belonged to me. Reporting false addresses associates me with locations and potential fraudulent activities that I have no connection with. Under FCRA 609 and 611, I have the right to accurate and verifiable reporting. \nXXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is also inaccurate. The credit bureau is in violation of FCRA by attaching false residence history, which harms my ability to prove accurate identity.\n\nThe continued reporting of these wrong addresses creates confusion, exposes me to potential identity theft, and violates my legal rights to accurate information. \nAccounts in Dispute XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$78000.00} Late Payment This account is inaccurately reported with late payments that are not supported by verifiable documentation. The amount listed is excessive and not properly validated. Under FCRA 609 and 611, the furnisher and the bureau must verify the accuracy of this account with actual account-level documentation, not automated data. The reporting of such a large balance with late payment history has damaged my creditworthiness unfairly, preventing me from accessing housing and credit opportunities. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is reported as a charge-off even though the balance is {$0.00}. Reporting a {$0.00} balance account as charged off is a direct violation of FCRA accuracy standards. Under 607 ( b ) of the FCRA, furnishers must follow reasonable procedures to ensure accuracy. The misleading charge-off notation has misrepresented my payment history, lowered my credit score, and caused lenders to see me as high risk when in fact no debt remains. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Late Payment This account shows late payments that are not correct. I requested validation of these alleged late payments, but the creditor has failed to provide proper proof as required under the FCRA. Continued reporting of unverifiable late payments violates my rights under 611. This has unfairly portrayed me as irresponsible when I have been making payments on time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This account is listed with late payments despite a {$0.00} balance. Reporting a {$0.00} balance account with late payments is inaccurate and misleading. Under FCRA and CFPB guidelines, credit reporting agencies are required to report only complete and verifiable data. This misleading information is damaging my reputation as a responsible consumer. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being falsely reported as charged off despite showing a {$0.00} balance. A charge-off should not exist if no balance is owed. This reporting practice is deceptive and violates 607 ( b ) of the FCRA which requires accurate reporting. This error has created serious harm to my credit profile. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Charge Off This account is reported as a charge-off with no proper validation provided. I requested the original signed agreement, account statements, and payment history, but none were produced. Under FCRA 611, failure to provide this verification requires deletion of the account. The continued false reporting is harming my financial standing and reputation. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being reported as a charge-off while the balance is {$0.00}. Such reporting is misleading, inaccurate, and unlawful under the FCRA. A {$0.00} balance can not legally be charged off, and this shows a violation of the accuracy provisions in the law. This false reporting has created serious obstacles in my financial life. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$830.00} Charge Off * * This account is being reported as a charge-off without proper documentation or validation. I never received any notices of delinquency or verification of the alleged debt. Reporting an {$830.00} charge-off has caused me to be denied credit cards and personal loans. Lenders assume a default, which is entirely false. This violates FCRA 611 and 607 ( b ) requiring accurate reporting. The stress of repeated denials has caused significant emotional strain, affecting my ability to manage daily financial responsibilities. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$690.00} Late Payment * * This account reports late payments that I dispute as false. Despite requesting full validation, the creditor failed to provide billing statements or proof of late payment. Reporting unverifiable late payments is a violation of FCRA 623. This false report has led to my denial for medical financing, forcing me to pay higher interest rates elsewhere and causing financial hardship when I needed urgent care. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$850.00} Late Payment * * A brand-new account already showing late payments is suspicious and inaccurate. I have not received a single billing notice indicating delinquency. This false reporting violates FCRA 607 ( b ) and has blocked me from obtaining a new credit card, limiting my financial flexibility for emergencies. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2100.00} Charge Off * * This account is listed as a charge-off without proper documentation of the debt. I requested the original contract and payment history, but none were provided. Under FCRA 611, this unverified information should be removed immediately. The false reporting has caused multiple denials of personal loans and prevented me from refinancing my auto loan at lower interest rates, creating financial and emotional stress. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off XXXX XXXX XXXX  {$0.00} balance account is reported as a charge-off, which is misleading and violates FCRA 607 ( b ). This false charge-off has made me appear delinquent to lenders, causing me to be denied small personal loans and increased security deposits for rental housing. The repeated denials have negatively impacted my housing stability and financial independence. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3400.00} Charge Off * * This account is reported as a charge-off without providing proof of default. I requested account validation, but no documentation was furnished. Reporting unverified debt violates FCRA 623 and UDAAP protections against misleading consumer information. As a result, I was denied refinancing options and faced higher interest rates on necessary loans, causing financial and emotional hardship. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4800.00} Charge Off * * Reported as a charge-off without proper verification or proof of balance. This violates FCRA 609 and 611. Because of this false entry, I was rejected for a mortgage and forced to pay higher rates for alternative credit. The reporting has caused continuous stress and forced me to delay essential financial plans. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment * * This account inaccurately reports late payments despite a {$0.00} balance. Reporting late payments with no balance is both misleading and illegal under FCRA 607 ( b ). The false negative mark caused me to be denied retail financing, limiting access to essential goods and creating unnecessary financial stress. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$810.00} Late Payment * * Duplicate reporting of the same lender with late payments inflates the appearance of delinquency and is a violation of FCRA 607 ( b ). The credit bureaus failure to remove duplicates has caused multiple loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * This account is unverifiable and duplicates another account in reporting. Reporting unverified or duplicate collections violates FCRA 607 ( b ). Because of this, I have been denied loans, forced to pay higher interest, and suffered emotional stress from repeated rejections. \nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * Duplicate of the previous account, causing inflated delinquency reporting. The bureaus failure to remove duplicates violates FCRA 607 ( b ). The impact includes denied housing, denied loans, and unnecessary financial stress. \nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2300.00} Collection * * This is a duplicate of the previous XXXX account, which inflates my reported debt and misrepresents my creditworthiness. Duplicate reporting violates FCRA 607 ( b ). Due to this duplicate, lenders treated me as higher risk, and I was denied multiple loan applications. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * Unverified and inaccurate reporting of this account caused me to be denied financing for essential purchases. Under FCRA 611, this unverifiable information must be removed. The false account has caused repeated stress and limited access to credit. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * Duplicate reporting of the same debt increases the appearance of delinquency, violating FCRA 607 ( b ). This duplicate reporting has caused higher loan rates and repeated denials, creating financial hardship. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2700.00} Collection * * This collection account is being reported without proper verification. FDCPA 809 requires debt collectors to validate debts upon request. Because of the false collection, I was denied a car loan and forced to pay more in interest elsewhere, causing stress and financial damage.\n\nHard Inquiries in Dispute XXXX XXXX XXXX  Duplicate inquiry. Reporting the same inquiry twice is misleading and violates FCRA 607 ( b ). This duplication contributes to inaccurate credit scoring. \nXXXX XXXX Duplicate inquiry. Same as above. Increases perceived risk by lenders. \nXXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No consent provided. Violates FCRA 604 ( a ). This has caused repeated denials of financing and emotional stress. \nXXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Reporting without authorization violates FCRA 604 ( a ). Financial harm includes higher interest rates and loan denials.\n\nConclusion and Relief Requested All accounts and inquiries listed above are inaccurate, unverifiable, duplicates, or unauthorized, causing denial of loans, higher interest rates, housing issues, reputational harm, and emotional distress. I request CFPB to : 1. Investigate and enforce deletion or correction of all unverifiable, inaccurate, or duplicate items.\n\n2. Remove all unauthorized hard inquiries.\n\n3. Ensure compliance with FCRA, FDCPA, and UDAAP.\n\n4. Hold responsible parties accountable for reporting false, misleading, or unverified information.\n\nImmediate correction is necessary to restore my financial standing, creditworthiness, and protect my consumer rights.","date_sent_to_company":"2025-09-05T00:03:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"15711292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T00:01:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Charge Off This <em>account</em> is reported as a charge-off with no proper validation provided. I requested the original signed agreement, <em>account</em> statements, and payment history, but none <em>were</em> produced. <em>Under</em> FCRA 611, failure to provide this verification requires deletion of the <em>account</em>. The continued false reporting is harming my financial standing and reputation."]},"sort":[13.858983,"15711292"]},{"_index":"complaint-public-v1","_id":"17875367","_score":13.717352,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Columbia Debt Recovery LLC ( Genesis ( DBA ) ) for attempting to collect a debt that is fabricated, misrepresented, and unlawfully created. This stems from invalid charges initiated by my former landlord, which have either already been paid, never existed, or are being double-collected through abusive and deceptive practices. The agencys actions are in violation of state and federal laws and have caused emotional distress and unwarranted pressure. \n\n1. False, Duplicate, and Illegitimate Charges The debt currently being pursued is unlawful and includes : Charges that were already paid ; Charges that are not valid under California landlord-tenant law ; Duplicate charges previously disputed and reclaimed ; Fees that were never owed under any written or verbal agreement. \n\nThese actions are in direct violation of California Civil Code 1950.5, which governs how landlords must handle security deposits and post-tenancy charges. Pursuing invalid or duplicated charges amounts to a misrepresentation of debt under both FDCPA and Californias Rosenthal Fair Debt Collection Practices Act. \n2. Lack of Debt Validation and Improper Collection Behavior Despite the fact that the debt has been clearly disputed : The agency has failed to provide any legally required validation ; No contract, lease, itemized breakdown, or ownership proof has been shared ; Collection efforts have continued without any substantiation or legal basis. \n\nThe agency has not paused collection activity, nor have they responded with the required verification under FDCPA 1692g ( b ). This refusal to investigate or validate the debt, while continuing harassment, is unlawful. \n\n3.Harassment and Abusive Communication Patterns These collection attempts and harassment began in early XX/XX/year>,, when I started receiving vague and repetitive text messages from unknown numbers claiming I owed a debt. The agency has engaged in ongoing harassment, including but not limited to : Repeated texts such as Hi, can I have a chat with you? from different phone numbers across various area codes ; Contacting me at odd hours early morning, late at night, and weekends ; Messaging on holidays and non-business hours, clearly violating 1692c ( a ) ( 1 ) which prohibits communication at unusual times or places; Using deceptive or vague texts that fail to identify the sender as a debt collector, in violation of 1692e ( 11 ). \n\nEven Genesis XXXX, in its own website referencing the Fair Debt Collection Practices Act, states that collectors must avoid such abusive patterns and must not harass the consumer via calls, texts, or emails yet this agency continues to do so. This ongoing pattern of manipulation, unwanted messages, and privacy violations meets the federal definition of harassment and abuse under the FDCPA and California Civil Code 1788.11. \nAttached are screenshots of unsolicited, vague, and harassing text messages received from various numbers between XXXX and XX/XX/year>, in violation of FDCPA Sections 1692c ( a ) ( 1 ) and 1692e ( 11 ). These messages lack proper identification, were sent during odd hours, and constitute a pattern of deceptive and abusive contact. \n\n4. Suspicious Exclusive Offer Email With No Valid Response Channel On XX/XX/year>, I received an unsolicited email from XXXX, claiming to represent Columbia Debt Recovery LLC dba Genesis. The subject line was titled Exclusive Offer, and it referenced an alleged debt tied to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with an account number of XXXX. \n\nThis communication raises serious concerns and appears non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : No ability to respond : The email was sent from a noreply address, blocking any opportunity for me to request validation, dispute the debt, or communicate further. \nFlagged as spam : The message was automatically filtered into my emails spam folder, signaling suspicious or potentially deceptive formatting. \nNo written notice received : I did not receive any prior formal or written communication regarding this alleged collection, nor any follow-up by mail as required under FDCPA 809. \nNo proper validation : The email provided no details about the debt beyond a vague account number and a creditor name. It failed to outline the amount, date of the debt, or verification procedures. \nDeceptive subject line : Labeling the message Exclusive Offer makes it appear promotional or misleading, rather than a legitimate debt notice. \n\nDue to these irregularities, I had no legally viable opportunity to respond, request validation, or dispute the claim, which directly violates my consumer rights under federal law. I request that this entry be formally investigated and that the collector be held accountable for failing to follow required notification and dispute procedures. \nA screenshot of this email is attached under the filename : Genesis_Exclusive_Offer_Email_Screenshot","date_sent_to_company":"2025-12-09T14:37:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"90036","tags":null,"has_narrative":true,"complaint_id":"17875367","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":"2025-11-17T06:56:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["False, <em>Duplicate</em>, and Illegitimate Charges The debt currently being pursued is unlawful and includes : Charges that <em>were</em> already paid ; Charges that are not valid <em>under</em> California landlord-tenant law ; <em>Duplicate</em> charges previously disputed and reclaimed ; Fees that <em>were</em> never owed <em>under</em> any written or verbal agreement. \n\nThese actions are in direct violation of California Civil Code 1950.5, which governs how landlords must handle <em>security</em> deposits and post-tenancy charges."]},"sort":[13.717352,"17875367"]},{"_index":"complaint-public-v1","_id":"18078721","_score":13.390608,"_source":{"product":"Checking or savings account","complaint_what_happened":"# # COMPLAINT FORM - COMPLETE ANSWERS # # # * * Question 1 : Have you already tried to fix this problem with the company? * * * * Answer : YES * * * * Detailed Response to Include : * * \" Yes, I have attempted multiple remedies with both Chime and XXXX XXXX : * * Attempts with XXXX XXXX ( The Merchant ) : * * - Contacted XXXX XXXX support team regarding unauthorized duplicate accounts - Received official response ( XX/XX/year> ) confirming account verification rejection and permanent account lock - Requested refunds for fraudulent charges - No satisfactory resolution provided by merchant * * Attempts with Chime ( The Financial Institution ) : * * - Filed initial dispute in XX/XX/year> - Chime DENIED the dispute on XX/XX/year> - Immediately re-filed with complete documentation as Dispute # XXXX on XX/XX/year> - Currently in active investigation ( status : In Progress ) - Uploaded XXXX files of supporting documentation The merchant has not provided refunds, and Chime 's initial response was denial. I am now in the rebuttal and appeal process with Chime. '' * * * # # # * * Question 2 : Did you request information from the company? * * * * Answer : YES * * * * Detailed Response to Include : * * \" Yes, I specifically requested the following information from both XXXX XXXX and Chime : * * From XXXX XXXX ( Merchant ) : * * 1. Proof of account verification completed with legal identification 2. Explanation of how duplicate accounts were created under my name 3. Authorization documentation for each disputed transaction 4. Reason for permanent account lock 5. Refund for all unauthorized charges * * From Chime ( Financial Institution ) : * * 1. Explanation of why the original dispute was denied 2. Full documentation of their investigation 3. Reconsideration of the denial with new evidence 4. Status of current dispute # XXXX XXXX. Timeline for dispute resolution * * Documentation Received : * * - XXXX XXXX  provided an official support email ( XX/XX/year> ) confirming account issues but did NOT provide refunds or satisfactory resolution - Chime has not yet provided a written explanation of their original denial, though they have acknowledged the new dispute and are investigating '' * * * # # # * * Question 3 : What information did you request? ( Optional ) * * * * Answer ( Detailed List ) : * * \" I specifically requested the following categories of information : * * Account Verification & Compliance Information : * * - Proof that legal identification verification was completed before any charges were processed - Account verification status and dates - Identity verification compliance documentation ( KYC records ) - Account creation and activation records- Verification method and completion proof * * Fraudulent Activity Investigation : * * - Investigation of how duplicate accounts were created under my name - Security assessment of account compromise - Timeline of when duplicate accounts were discovered - Account creation IP addresses and timestamps- How unauthorized duplicate accounts were allowed to operate * * Transaction Authorization Documentation : * * - Written authorization for each of the XXXX  disputed transactions - Digital signatures or explicit customer consent records- Proof that customer explicitly authorized each charge - Terms and Conditions acceptance verification - Payment authorization records * * Account Restriction & Lock Details : * * - Reason for permanent account lock - Date decision to lock accounts was made - Retroactive review of account status at time each charge was processed - Policy violations documented - Terms and Conditions violations detailed * * Refund & Remediation : * * - Full refund for all fraudulent charges - Refund processing timeline - Account cleanup ( duplicate account removal ) - Compensation for fraudulent activity - Prevention measures to stop future unauthorized charges * * Regulatory Compliance : * * - Merchant account verification policies and procedures - Duplicate account prevention protocols- Payment processing compliance documentation - Chargeback and reversal procedures- Dispute investigation procedures followed '' * * * # # # * * Question 4 : Did the company provide this information? * * * * Answer : NO * * ( Select the \" NO '' option ) * * Detailed Response to Include : * * \" No, the company did NOT provide the information necessary to resolve this dispute.\n\n* * What XXXX XXXX DID Provide : * * - Official support email ( XX/XX/year> ) confirming : - Account verification was REJECTED - Multiple duplicate accounts were discovered- All accounts were PERMANENTLY LOCKED - Terms violations occurred * * What XXXX  XXXX  DID NOT Provide : * * - Proof of account verification ( they admit verification was rejected ) - Authorization documents for any transaction - Explanation of how duplicate accounts were created - Refund or compensation for fraudulent charges - Security investigation or account compromise report - Any satisfactory resolution * * What Chime DID Provide : * * - Dispute case number ( # XXXX ) - Request for additional documentation - Status update ( Agent investigating ) * * What Chime DID NOT Provide : * * - Written explanation of original denial ( XX/XX/year> ) - Written investigation findings- Provisional credit ( {$1200.00} ) - Resolution or refund ( case still in progress ) - Detailed response to appeals * * Critical Finding : * * Fortune Coins provided information that VALIDATES my fraud claim but did NOT provide refunds or resolution. In fact, their support email PROVES the charges were fraudulentthey admitted : 1. Account verification was REJECTED 2. Duplicate FRAUDULENT accounts existed 3. ALL accounts were PERMANENTLY LOCKED * * Yet despite this admission of fraud from the merchant, neither XXXX XXXX nor Chime has provided the critical information needed for resolution : A REFUND. * * * * Conclusion : * * The companies have not provided satisfactory information or resolution. The information they DID provide actually proves my fraud claim. Therefore, I am escalating to the CFPB for investigation and enforcement. '' * * * # # COMPLETE SUMMARY TABLE | Question | Answer | Status | | -- -- -- -- -- | -- -- -- -- | -- -- -- -- | | Tried to fix with company? | * * YES * * | Contacted both XXXX XXXX  and Chime multiple times | | Requested information? | * * YES * * | Specific, documented requests for verification and authorization | | What information requested? | * See detailed list * | Account verification, transaction authorization, refund details | | Company provide info? | * * NO * * | They provided admissions of fraud but NOT resolution | * * * # # STATEMENT TO INCLUDE WITH CFPB SUBMISSION * * '' Although both XXXX XXXX and Chime have provided limited information confirming the fraudulent nature of my accounts, neither company has provided the essential information required for resolution : proof of transaction authorization, account verification documentation, or a refund of fraudulent charges. * * * * In fact, XXXX XXXX ' own support email proves that : * * - Account verification was REJECTED - Multiple duplicate accounts were fraudulently created- ALL accounts were PERMANENTLY LOCKED * * Despite this clear evidence of fraud provided by the merchant themselves, I have received : * * - NO refunds from XXXX  XXXX  - NO satisfactory resolution from either company - NO adequate explanation of Chime 's original dispute denial * * I have attempted every reasonable remediation with both companies. Both have failed to provide adequate information or resolution. Therefore, I am escalating to the CFPB for investigation. * * '' * * * # # CRITICAL POINTS FOR CFPB These answers establish : * * I made good-faith efforts * * to resolve with the companies * * I specifically requested essential information * * they should have provided * * The companies failed to provide adequate information or resolution * * * * The merchant 's own communications prove fraud * * * * I have exhausted all reasonable remedies * * * * Escalation to CFPB is justified and necessary * * This positions your complaint perfectly for CFPB investigation and enforcement action against Chime for : - Improper dispute denial - Failure to investigate adequately - Violation of Regulation E And against XXXX XXXX  for : - Fraudulent merchant practices - Account verification failures - Unauthorized duplicate account creation More information # CFPB COMPLAINT : Chime Dispute # XXXX # # Consumer Financial Protection Bureau Complaint Form -- - # # COMPLAINT INFORMATION * * Filing Date : * * XX/XX/year> * * Your Name : * * XXXX XXXX * * Your Email : * * XXXX * * Complaint Type : * * Billing disputes and problems * * Sub-Category : * * Dispute over a bill or service I didn't authorize -- - # # COMPANY INFORMATION * * Primary Company : * * Chime ( XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX, XXXX. ) * * Company Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Secondary Company Involved : * * XXXX XXXX  ( XXXX  ) * * Issue Date ( s ) : * * XX/XX/XXXX XX/XX/year> * * Dispute Case Number : * * # XXXX -- - # # DETAILED COMPLAINT NARRATIVE * * What happened : * * I submitted a formal dispute to Chime ( Dispute # XXXX ) on XX/XX/year>, for unauthorized charges totaling {$1200.00} USD from XXXX XXXX ( XXXX ). This dispute involves XXXX transactions processed between XX/XX/XXXX and XX/XX/year>. \n\n* * Why these charges are fraudulent and unauthorized : * * On XX/XX/year>, XXXX XXXX ' support team sent me an official email stating : \" Upon reviewing your account, we discovered numerous duplicate accounts under your name. We regret to inform you that we will no longer continue the account verification. We will now reject your account verification application. All accounts under your name have been permanently locked. '' This email proves : 1. My accounts were never legitimately verified with proper legal identification 2. Duplicate/fraudulent accounts existed under my name without my authorization 3. All accounts were permanently locked by the merchant 4. Therefore, all transactions processed on these unverified and later-locked accounts are fraudulent and unauthorized * * Pattern of merchant fraud : * * I have also successfully disputed charges from the same merchant ( XXXX XXXX ) through XXXX. Multiple XXXX disputes were closed in my favor, demonstrating a pattern of problematic practices by XXXX XXXX. The charges I am now disputing with Chime represent the same pattern : charges processed on unverified or compromised accounts. \n\n* * Evidence provided to Chime : * * I submitted XXXX files of documentation to Chime, including : - XXXX XXXX  ' official support email confirming account lock and verification rejection - All transaction confirmation emails from XXXX XXXX- XXXX dispute screenshots showing prior successful disputes against XXXX XXXX- Complete transaction history with dates, amounts, and transaction IDs- Bank records showing all charges * * Why this matters : * * Chime is responsible for handling this dispute fairly and thoroughly. The merchant 's own email proves these accounts were unverified and compromised. Chime should reverse all charges on these accounts, as they were processed on invalid accounts that the merchant itself has confirmed were never properly verified. \n-- - # # SPECIFIC COMPLAINT ISSUES * * Complaint Issue 1 : Failure to Investigate Authorized Disputed Charges * * * * Details : * * Chime received my dispute for unauthorized charges but has not yet resolved them ( case still marked \" In progress '' as of XX/XX/year> ). The evidence clearly shows these charges should be reversed immediately, as XXXX XXXX ' own email proves the accounts were unverified and later permanently locked. \n-- - * * Complaint Issue 2 : Merchant Account Verification Failure * * * * Details : * * XXXX XXXX allowed charges on accounts that were never properly verified with legal identification. When I requested refunds, their support team confirmed accounts were unverified and locked. Chime should hold XXXX XXXX  accountable for processing charges on unverified accounts. \n-- - * * Complaint Issue 3 : Pattern of Merchant Fraud Not Addressed * * * * Details : * * I have successfully disputed charges from XXXX XXXX through XXXX multiple times. Chime should be aware that this merchant has a documented history of fraudulent transactions across multiple payment platforms. My current dispute is part of this ongoing pattern. \n-- - # # REQUESTED RELIEF/RESOLUTION 1. * * Immediate reversal of all disputed charges : * * {$1200.00} USD 2. * * Full refund to my Chime account * * for all XXXX XXXX transactions 3. * * Chime should terminate its relationship with XXXX XXXX * * as a merchant due to pattern of fraudulent transactions 4. * * Investigation into whether XXXX XXXX violated payment processing agreements * * regarding account verification requirements 5. * * Chime should flag XXXX XXXX in their merchant database * * as a high-risk merchant with documented fraud history -- - # # TRANSACTION DETAILS | Date | Merchant | Amount | Transaction ID | Status | | -- -- -- | -- -- -- -- -- | -- -- -- -- | -- -- -- -- -- -- -- -- -| -- -- -- -- | | XX/XX/year> | XXXX | {$140.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$190.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$290.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$190.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$1.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$7.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$4.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX  | {$1.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$290.00} | ( from transaction list ) | Disputed | | XX/XX/year> | XXXX | {$74.00} | XXXX | Disputed | | XX/XX/year> | XXXX | {$290.00} | XXXX | Disputed | * * Total Disputed Amount : {$1200.00} USD * * -- - # # KEY EVIDENCE SUPPORTING COMPLAINT # # # Evidence 1 : XXXX XXXX Support Email ( Critical ) * * Date : * * XX/XX/year>, XXXX PM * * From : * * XXXX * * Subject : * * Account Verification Status * * Full Email Content : * * \" Hi XXXX, Upon reviewing your account, we discovered numerous duplicate accounts under your name. We regret to inform you that we will no longer continue the account verification. \n\nWe will now reject your account verification application. All accounts under your name have been permanently locked. \n\nWhen you created an account on XXXX XXXX, you explicitly agreed to our Terms and Conditions. [ Link to T & Cs ] Please take note of the following section : - A check can only be issued to an open and operative Account, Operating one or opening duplicate Accounts may lead to the censure of all of your Accounts and render you ineligible.\n\nIf, however, please be aware that if you misuse your access in the future, they will also be banned. \n\nKind Regards, XXXX Customer Support Representative Get answers XXXX '' * * Why this is critical : * * This email proves XXXX XXXX : 1. Confirmed unverified accounts 2. Discovered duplicate/fraudulent accounts under my name 3. Rejected account verification 4. Permanently locked ALL accounts under my name 5. Admitted I should not have been able to operate multiple accounts This email alone proves all transactions were unauthorized and should be reversed. \n\n-- - # # # Evidence XXXX : XXXX Dispute Confirmations * * Multiple successful disputes closed in your favor against XXXX XXXX : * * - XXXX - {$190.00} USD ( Case Closed ) - XXXX - {$140.00} USD ( Case Closed ) - XXXX - {$290.00} USD ( Case Closed ) * * Why this matters : * * This demonstrates a pattern of XXXX XXXX processing fraudulent or unauthorized charges. XXXX has already determined similar charges were invalid, yet Chime has allowed the same merchant to continue charging the same account. \n\n-- - # # # Evidence 3 : Multiple Transaction Confirmations All transactions show XXXX XXXX  processed charges successfully on accounts that were later confirmed to be unverified and fraudulent. The confirmations themselves prove the merchant accepted charges knowing verification procedures were incomplete. \n\n-- - # # MERCHANT RESPONSE ANTICIPATED XXXX XXXX will likely claim : - \" Digital goods were delivered '' - \" Customer authorized the purchases '' - \" We don't require verification for virtual currency '' * * Why these arguments fail : * * - Their own support email proves accounts were unverified and locked - Unverified accounts = unauthorized charges - Their own terms state operating duplicate accounts violates their policy - XXXX has already ruled against them on similar charges - Chime holds merchants responsible for verification failures -- - # # PREVIOUS CONTACT WITH COMPANIES * * Chime Contact : * * - Submitted formal dispute : XX/XX/year> - Dispute Case # XXXX - Status : In progress / Agent investigating - Uploaded XXXX files of documentation * * XXXX XXXX Contact : * * - Received their support email confirming account lock : XX/XX/year> - No response to subsequent inquiries about refunds - Merchant has not addressed the fraudulent account issue -- - # # COMPLAINT AGAINST * * Primary : * * Chime ( and associated banks : The XXXX XXXX  XXXX XXXX. / XXXX XXXX, XXXX. ) * * Secondary : * * XXXX XXXX ( XXXX )- for fraudulent transaction processing -- - # # WHY I'M FILING THIS COMPLAINT I am filing this CFPB complaint because : 1. * * Chime is not moving quickly enough * * to resolve obvious fraud ( case marked \" In progress '' as of XX/XX/year> ) 2. * * The evidence is overwhelming and undisputed * * XXXX XXXX  ' own email proves the fraud 3. * * Pattern recognition failure * * Chime should be aware XXXX XXXX has prior XXXX disputes, yet allowed continued transactions 4. * * Consumer protection failure * * A major issue with Chime 's dispute process is that it allows merchants to continue processing charges on flagged accounts 5. * * Accountability requirement * * Chime needs to understand this merchant represents ongoing fraud risk to their customers -- - # # SUPPORTING DOCUMENTS Please attach to this CFPB complaint : 1. * * XXXX XXXXs Support Email * * ( XX/XX/year> ) MOST CRITICAL 2. * * Chime Dispute Confirmation * * showing case # XXXX XXXX. * * XXXX Dispute Screenshots * * showing successful prior disputes XXXX. * * All transaction confirmations * * from XXXX XXXX 5. * * Bank statements * * showing the charges 6. * * Screenshots of the XXXX files uploaded * * to Chime 's dispute portal -- - # # AUTHORITY & LEGAL BASIS * * Regulations violated : * * - Regulation E ( Electronic Fund Transfers ) 12 CFR 1005 - Regulation Z ( Truth in Lending ) 12 CFR 1026 - Dodd-Frank Wall Street Reform Act Consumer Financial Protection Bureau jurisdiction - Payment Card Network Rules ( XXXX  ) regarding merchant account verification * * Merchant violation : * * - XXXX XXXX violated Payment Card Association rules by processing transactions on unverified accounts - XXXX XXXX violated their own Terms and Conditions * * Bank responsibility : * * - Chime ( and underlying banks ) must properly investigate and resolve unauthorized transaction disputes - Chime is responsible for ensuring merchants comply with verification requirements -- - # # TIMELINE OF EVENTS - * * XX/XX/XXXX XX/XX/year> : * * Fraudulent charges processed on unverified XXXX XXXX accounts - XXXX XXXX XX/XX/year> : * * XXXX XXXX  support confirms accounts unverified and permanently locked - * * XX/XX/year> : * * Original dispute with Chime denied ( based on dispute list screenshot ) - * * XX/XX/year> : * * Filed new dispute # XXXX with Chime - * * XX/XX/year>, XXXX XXXX  : * * Chime requested additional documentation - * * XX/XX/year>, XXXX XXXX  : * * Filing this CFPB complaint -- - # # CONSUMER CONTACT INFORMATION * * Name : * * XXXX XXXX * * Email : XXXX XXXX XXXX * * Account Number : * * ( Your Chime account number mask last 4 digits if preferred : XXXX XXXX XXXX XXXX XXXX ) * * Dispute Case Number : * * # XXXX -- - # # STATEMENT OF TRUTH I certify that the information provided in this complaint is true and accurate to the best of my knowledge. I am the account holder named above and have personally reviewed all evidence supporting this complaint. I am filing this complaint in good faith to protect myself and other consumers from XXXX XXXX ' fraudulent practices. \n\n* * Signature : * * XXXX XXXX * * Date : * * XX/XX/year> XXXX","date_sent_to_company":"2025-12-16T17:22:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"463XX","tags":null,"has_narrative":true,"complaint_id":"18078721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-16T16:52:31.000Z","state":"IN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["* * - <em>Investigation</em> of how <em>duplicate</em> <em>accounts</em> <em>were</em> <em>created</em> <em>under</em> my name - <em>Security</em> assessment of <em>account</em> compromise - Timeline of when <em>duplicate</em> <em>accounts</em> <em>were</em> discovered - <em>Account</em> creation IP addresses and timestamps- How unauthorized <em>duplicate</em> <em>accounts</em> <em>were</em> allowed to operate * * Transaction Authorization Documentation : * * - Written authorization for each of the XXXX  disputed transactions - Digital signatures or explicit customer consent records- Proof that customer explicitly authorized each"],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.390608,"18078721"]},{"_index":"complaint-public-v1","_id":"15693659","_score":13.074619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Dear CFPB Officer,\\nI am submitting this complaint because several creditors and credit reporting agencies are reporting inaccurate, misleading, and unverifiable information on my credit report. These items violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, and the Consumer Financial Protection Act (CFPA).\\nBelow, I have listed each disputed account with the specific issue and supporting explanation.XXXX XXXX XXXX, TX XXXX   Address  Wrong and never authorized\\nIssue & Story: This address is being wrongfully reported on my file. I never lived there, never applied for credit with this address, and never authorized its use. Because of this error, creditors assume I lived at multiple residences, which paints a false picture of instability. It has caused lenders to deny me approval for basic credit needs, landlords to question my rental applications, and even employers to doubt my reliability. This address error violates FCRA 607(b) because credit bureaus must maintain maximum possible accuracy.XXXX XXXX XXXX XXXX, TX XXXX  Address  Wrong and never authorized\\nIssue & Story: This is not and has never been my residence. Yet its presence on my file creates a false connection to financial obligations that do not belong to me. This error makes it appear as if I have an unstable housing history, which is damaging my ability to qualify for home loans or stable housing. Under FCRA 611(a), a reinvestigation must be conducted, and such false data must be corrected or deleted immediately.XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  Address  Wrong and never authorized\\nIssue & Story: Not only is this address inaccurate, but it is also listed with an extra code, making it appear like a completely different residence. This creates duplication, confusion, and a misleading picture of my residential history. Creditors have denied me because they claim my report shows conflicting addresses, leading them to assume identity issues. This repeated duplication violates my rights under FCRA 602(a), which protects consumers from unfair or misleading reporting practices.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This account is showing late payments that I dispute. I made timely payments, and no creditor has provided original billing statements proving otherwise. Because of this false late payment, I was denied a personal loan, and my insurance premium was increased due to negative credit history. This is a direct violation of FCRA 607(b) and FDCPA 807(2)(A) for reporting misleading information.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This account is unverifiable. I have never received any signed contract or application proving I authorized this account. Reporting this debt without proof violates FDCPA 809(b). Because of this error, I was placed under unnecessary collections review and lost the opportunity to refinance my car loan at a lower rate. The damage has been both financial and emotional.XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: The late payments reported here are inaccurate. I was never provided sufficient notices nor accurate statements regarding these delinquencies. This error paints me as a careless borrower when in fact I was responsible. Because of this, my mortgage pre-approval was denied, and I was forced to delay my home purchase. This is a violation of FCRA 611(a) which requires proper reinvestigation upon disputeXXXX XXXX XXXX Date Opened: 15/02/2021 Balance Owed: $XXXX  Late Payment**\\nIssue & Story: I requested validation of this account multiple times but never received it. Reporting unverifiable debt violates FDCPA 807(8). Because of this entry, I was forced to pay higher deposits for utilities and was denied a rental apartment. The financial and emotional toll of this error is severe and ongoing.XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This account shows late payments that are inconsistent and unverifiable. Different bureaus are showing different dates of delinquency, proving inaccuracy. Because of this false reporting, I lost the opportunity to qualify for a student loan with favorable terms, which directly impacted my education and career. This is a violation of FCRA 623(a)(1).XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This is a duplicate reporting of the same creditor under multiple accounts. It unfairly makes it look like I have more debts than I actually do, dragging down my score. Because of this duplicate account, I was rejected for a small business credit line, limiting my ability to grow financially. Duplicate and misleading reporting is a violation of FCRA 605B.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late Payment**\\nIssue & Story: This account is being reported with late payments that I dispute. I never received valid billing records proving these late entries. The reporting is inconsistent across bureaus and violates FCRA 607(b). Because of this wrong entry, my auto loan application was denied, and I suffered financial harm through higher transportation costsXXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This account reflects false late payments. No proper validation or original signed documentation has been provided despite repeated requests. Reporting unverifiable information violates FDCPA 809(b). Because of this inaccurate entry, I was charged higher insurance premiums and denied affordable creditXXXX XXXX Date Opened: XXXX  Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This entry shows late payments but lacks validation. Different balances and payment histories have been reported, creating confusion and proving inaccuracy. Under FCRA 609(a), I have the right to see proof of this debt, yet nothing has been provided. This false entry caused me to lose eligibility for a lower-rate consolidation loan, leading to severe financial burdenXXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This appears to be a duplicate account from the same creditor. Duplicate reporting is misleading and unfairly lowers my credit score. FCRA 605B prohibits mixed or duplicated file reporting. Because of this duplication, I was rejected for a credit card with favorable terms, which directly harmed my financial opportunitiesXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late Payment**\\nIssue & Story: This account shows false late payments and no validation has been provided. Reporting unverifiable debt violates FDCPA 807(8). Because of this entry, I was forced to pay large security deposits for basic services, adding unnecessary financial hardshipXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This student loan account is reported with late payments that are decades old. FCRA 605(a) limits how long negative information can remain on a consumer report, yet it continues to harm me. Because of this wrongful reporting, I was denied financial aid opportunities and suffered unnecessary hardship.\\XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: Another student loan entry being reported with false late payments. These historical errors are unverifiable and outdated, yet they remain on my file. This violates FCRA 611(a) reinvestigation requirements. Because of this, I was denied affordable housing due to negative credit history.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This account contains inaccurate late payment reporting, and no original documentation has been provided despite multiple requests. This violates FDCPA 809 and FCRA 623(a)(1). As a result, my score was unfairly lowered, and I faced difficulty qualifying for refinancing programsXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nIssue & Story: This is yet another student loan entry from the same servicer with reported late payments that are unverifiable. Multiple accounts from the same creditor reporting negative information creates a distorted and unfair picture of my creditworthiness. Because of this duplication and false reporting, I was denied a personal loan and faced continued financial stressXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late Payment**\\nThis account shows a $XXXX balance yet is being reported with a late payment, which is factually impossible. If no balance was owed, there could not have been a late payment. This inaccurate reporting is damaging my creditworthiness and is in direct violation of FCRA 607(b), which requires accurate and up-to-date reporting. Additionally, no proper notice of late payment or delinquency was ever provided to me. The reporting must be deleted as it does not meet the accuracy standards set by federal law.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late Payment**\\nThis account is being reported with late payments that are inconsistent and unclear. I was under a repayment and deferment plan during several periods, which should not have resulted in negative reporting. Reporting late payments during forbearance or deferment violates FCRA 623(a)(1)(A) as well as Higher Education Act protections for student borrowers. These lates are a misrepresentation of my payment history and must be corrected or deletedXXXX XXXX Date Opened: XXXX  Balance Owed: $XXXX  Late PaymentXXXXXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late PaymentXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late PaymentXXXX is reporting multiple accounts with extremely high balances and late payments. These entries appear to be duplicate or inaccurate reporting, as no consumer should have three simultaneous accounts of this nature. The balances are inflated, unverified, and no proper validation of debt was ever provided upon request. This violates FDCPA 809(b) (failure to validate debt) and FCRA 604(b) (permissible purpose). The multiple entries appear to be an attempt to damage my credit through duplication. I demand that these accounts be fully validated or removed.XXXX XXXX Date Opened: XXXX  Balance Owed: $XXXX  Charge Off**\\nThis account is reported as a charge off with a $XXXX balance, which is contradictory and misleading. A charge off indicates loss, yet a $XXXX  balance means no debt exists. Reporting such conflicting information is a violation of FCRA 607(b) and constitutes inaccurate reporting. This account must be deleted as it is harming my credit unjustly without any valid debt attachedXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late PaymentXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nThese accounts show student loan late payments that do not align with the repayment history I maintained. During those periods, I had active deferment and forbearance, yet late payments are being reported inaccurately. This is a violation of FCRA accuracy standards and CFPB guidelines for student loan servicers. Negative reporting during deferment is misleading, unfair, and must be correctedXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Late Payment**\\nThis account is reported with late payments, yet during this timeframe I was enrolled in deferment/forbearance programs that should have prevented negative credit reporting. Federal student loan servicers are prohibited from marking accounts as late while a deferment or forbearance is active, which makes this entry inaccurate. This is a violation of FCRA 623(a)(1)(A), requiring furnishers to report accurate information. It also violates CFPB guidelines for student loan servicers that protect borrowers from being unfairly penalized during hardship assistance.XXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nThis account shows late payments during a period where I was actively communicating with the loan servicer and requesting accommodations. No valid notice of delinquency was issued, and the negative reporting does not reflect the reality of my repayment status. This is misleading, harmful, and falls under FCRA 607(b), which requires maximum possible accuracy in reporting. I dispute the validity of these lates and demand immediate reinvestigation.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nThis loan entry is also showing late payments that contradict my repayment history. I submitted payments that were not applied correctly due to servicer error, yet the burden of that error was placed on me as the borrower. Reporting lates under such circumstances is not only inaccurate but also unfair under FCRA and violates consumer protection standards. These lates are damaging and must be correctedXXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Late Payment**\\nThis entry continues the pattern of inaccurate reporting by XXXX XXXX. Payments made on time were not properly credited, and late payments were added without proper basis or validation. Reporting negative information without correct validation is a violation of FDCPA 809(b) (failure to validate debt upon dispute) and FCRA accuracy standards. This entry must be removed or corrected immediately.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Collection**\\nThis account is unverified and continues to appear on my credit file despite no proof of ownership being provided. Reporting a debt that cannot be verified violates FCRA 611(a), which requires proper reinvestigation when a consumer disputes. This collection account is misleading, damaging, and must be removed.XXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Collection**\\nThis is another duplicate of the XXXX XXXX account already reported above with the same balance ($XXXX). Duplicate entries violate FCRA accuracy standards and create double damage to my credit. It is unlawful to report the same debt multiple times under different tradeline IDs. This duplicate must be deleted immediately.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Collection**\\nThis is a second duplicate of the XXXX XXXX  account. Re-reporting the same alleged debt multiple times is misleading and in violation of FCRA 607(b). Debt collectors must ensure accuracy and are prohibited from creating redundant negative marks. This account must be removed.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX  Collection**\\nThis is another duplicate of the XXXX XXXXl account listed above. It shows the exact same balance, opened date, and creditor. Duplicate accounts harm consumer scores unfairly and are unlawful under FCRA and CFPB guidance. I dispute this and demand immediate deletion.XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX   CollectionXXXX XXXX  is reporting this collection without providing proper validation. The amount is small but the harm to my credit is significant. Under FDCPA 809(b), I have the right to request verification, which has not been provided. Reporting unverified debt violates FCRA 623(a)(1)(A). This account must be removed.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Collection*\\nThis account is reported without any proof of validation or itemized debt details. Under FDCPA 809(b), I have the right to request proper validation. None has been provided, making this account unverifiable. Reporting such debt violates FCRA 607(b) accuracy requirements. This account must be deletedXXXX XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: $XXXX  Collection**\\nThis collection account is questionable, as I never received proper notice or documentation. Under FDCPA 809(a), debt collectors must provide written notice within 5 days of initial communication. No such notice was given. Reporting an unverifiable debt also violates FCRA 623(a)(1)(A). I demand immediate removal.XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX   Collection**\\nThis account is being reported inaccurately. The alleged balance is unverified, and no documentation has been provided to establish ownership or responsibility. Continuing to report this account without validation is a violation of FCRA 611(a) and FDCPA validation requirements. This tradeline must be deletedXXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Collection*\\nThis entry shows a $XXXX balance, yet it is still reported as an active collection. If the balance is $0, the account should no longer be reported as derogatory. This is misleading and violates FCRA 607(b) by failing to ensure accuracy. It should be deleted from my credit file immediately.XXXX XXXX XXXX  Inquiry\\nBoth of these inquiries were not authorized by me. Hard pulls without consumer consent are damaging and unlawful under FCRA. They must be deleted.\\nLegal Basis for Complaint\\n1.\\tFCRA Violations:\\no\\tFailure to report accurate and complete information ( 1681s-2(a)).\\no\\tFailure to correct and update disputed information ( 1681s-2(b)).\\no\\tFailure to maintain maximum possible accuracy ( 1681e(b)).\\n2.\\tFDCPA Violations:\\no\\tContinued collection activity without proper validation ( 809(a), 15 U.S.C.  1692g).\\n3.\\tConsumer Financial Protection Act Violations:\\no\\tEngaging in unfair, deceptive, or abusive acts or practices (UDAAP) under 12 U.S.C.  5531, 5536.\\nRequested Resolution\\n\\tImmediate investigation of all disputed accounts.\\n\\tRemoval of inaccurate, unverifiable, and misleading accounts from my credit file.\\n\\tWritten confirmation from CFPB and the furnishers regarding corrective actions taken.'","date_sent_to_company":"2025-09-03T18:43:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77077","tags":null,"has_narrative":true,"complaint_id":"15693659","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-03T18:38:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This collection <em>account</em> is misleading, damaging, and must be removed.XXXX XXXX  Date Opened: XXXX Balance Owed: $XXXX  Collection**\\nThis is another <em>duplicate</em> of the XXXX XXXX <em>account</em> already reported above with the same balance ($XXXX). <em>Duplicate</em> entries violate FCRA accuracy standards and <em>create</em> double damage to my credit. It is unlawful to report the same debt multiple times <em>under</em> different tradeline IDs."]},"sort":[13.074619,"15693659"]},{"_index":"complaint-public-v1","_id":"15710619","_score":12.706996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding multiple inaccurate and unverifiable accounts on my credit report that are causing severe financial, emotional, and reputational harm. These accounts violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609, 611, 623, as well as the Fair Debt Collection Practices Act ( FDCPA 809 ) and UDAAP protections. Despite repeated disputes, these errors continue to remain, resulting in repeated loan denials, higher interest rates, housing application denials, and significant emotional XXXX. \nIncorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect reporting, never authorized by me. \nXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX I have no connection to this address. \nThe continued reporting of these wrong addresses creates confusion, exposes me to potential identity theft, and violates my legal rights to accurate information. \nAccounts in Dispute XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$78000.00} Late Payment This account is inaccurately reported with late payments that are not supported by verifiable documentation. The amount listed is excessive and not properly validated. Under FCRA 609 and 611, the furnisher and the bureau must verify the accuracy of this account with actual account-level documentation, not automated data. The reporting of such a large balance with late payment history has damaged my creditworthiness unfairly, preventing me from accessing housing and credit opportunities. \nXXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Late Payment This account shows late payments that are not correct. I requested validation of these alleged late payments, but the creditor has failed to provide proper proof as required under the FCRA. Continued reporting of unverifiable late payments violates my rights under 611. This has unfairly portrayed me as irresponsible when I have been making payments on time. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1900.00} Late Payment This account is showing late payments which are being inaccurately reported. I requested validation from the creditor, but no supporting statements or records were provided. Reporting late payments without proof violates both FCRA 609 and 623. These errors have directly caused denial of credit applications and higher interest rates, which has financially burdened me and my family. \nXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This account is listed with late payments despite a {$0.00} balance. Reporting a {$0.00} balance account with late payments is inaccurate and misleading. Under FCRA and CFPB guidelines, credit reporting agencies are required to report only complete and verifiable data. This misleading information is damaging my reputation as a responsible consumer. \nXXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being falsely reported as charged off despite showing a {$0.00} balance. A charge-off should not exist if no balance is owed. This reporting practice is deceptive and violates 607 ( b ) of the FCRA which requires accurate reporting. This error has created serious harm to my credit profile. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Charge Off This account is reported as a charge-off with no proper validation provided. I requested the original signed agreement, account statements, and payment history, but none were produced. Under FCRA 611, failure to provide this verification requires deletion of the account. The continued false reporting is harming my financial standing and reputation. \nXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being reported as a charge-off while the balance is {$0.00}. Such reporting is misleading, inaccurate, and unlawful under the FCRA. A {$0.00} balance can not legally be charged off, and this shows a violation of the accuracy provisions in the law. This false reporting has created serious obstacles in my financial life. \nXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$830.00} Charge Off * * This account is being reported as a charge-off without proper documentation or validation. I never received any notices of delinquency or verification of the alleged debt. Reporting an {$830.00} charge-off has caused me to be denied credit cards and personal loans. Lenders assume a default, which is entirely false. This violates FCRA 611 and 607 ( b ) requiring accurate reporting. The XXXX  of repeated denials has caused significant emotional strain, affecting my ability to manage daily financial responsibilities. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$690.00} Late Payment * * This account reports late payments that I dispute as false. Despite requesting full validation, the creditor failed to provide billing statements or proof of late payment. Reporting unverifiable late payments is a violation of FCRA 623. This false report has led to my denial for medical financing, forcing me to pay higher interest rates elsewhere and causing financial hardship when I needed urgent care. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$850.00} Late Payment * * A brand-new account already showing late payments is suspicious and inaccurate. I have not received a single billing notice indicating delinquency. This false reporting violates FCRA 607 ( b ) and has blocked me from obtaining a new credit card, limiting my financial flexibility for emergencies. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2100.00} Charge Off * * This account is listed as a charge-off without proper documentation of the debt. I requested the original contract and payment history, but none were provided. Under FCRA 611, this unverified information should be removed immediately. The false reporting has caused multiple denials of personal loans and prevented me from refinancing my auto loan at lower interest rates, creating financial and emotional XXXX. \nXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3400.00} Charge Off * * This account is reported as a charge-off without providing proof of default. I requested account validation, but no documentation was furnished. Reporting unverified debt violates FCRA 623 and UDAAP protections against misleading consumer information. As a result, I was denied refinancing options and faced higher interest rates on necessary loans, causing financial and emotional hardship. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$4800.00} Charge Off * * Reported as a charge-off without proper verification or proof of balance. This violates FCRA 609 and 611. Because of this false entry, I was rejected for a mortgage and forced to pay higher rates for alternative credit. The reporting has caused continuous XXXX  and forced me to delay essential financial plans. \nXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment * * This account inaccurately reports late payments despite a {$0.00} balance. Reporting late payments with no balance is both misleading and illegal under FCRA 607 ( b ). The false negative mark caused me to be denied retail financing, limiting access to essential goods and creating unnecessary financial XXXX. \nXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$810.00} Late Payment * * Duplicate reporting of the same lender with late payments inflates the appearance of delinquency and is a violation of FCRA 607 ( b ). The credit bureaus failure to remove duplicates has caused multiple loan denials, increased interest rates, and emotional XXXX  from repeated explanations to lenders. \nXXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1300.00} Collection This account is reported by a collection agency without proper validation. Under FDCPA 809, debt collectors must provide proof of debt upon request. The presence of this unverified collection has caused denial of apartment rentals, higher security deposits, and damaged my reputation. The XXXX of being wrongfully pursued is significant. \nXXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2700.00} Collection Reported as a collection without documentation or proof of legitimacy. Violates FCRA 611 and FDCPA 809. This account has blocked access to affordable credit, delayed medical financing, and created personal financial hardship. I have had to pay higher interest rates because lenders see me as high risk. \nXXXX XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * This account is unverifiable and duplicates another account in reporting. Reporting unverified or duplicate collections violates FCRA 607 ( b ). Because of this, I have been denied loans, forced to pay higher interest, and suffered emotional XXXX  from repeated rejections. \nXXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * Duplicate of the previous account, causing inflated delinquency reporting. The bureaus failure to remove duplicates violates FCRA 607 ( b ). The impact includes denied housing, denied loans, and unnecessary financial XXXX. \nXXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2300.00} Collection * * This account is being reported by XXXX without proper validation of the alleged debt. I requested original contracts and proof of ownership, but none were provided. Reporting an unverifiable collection violates FCRA 611 and FDCPA 809. Because of this, I was denied a personal loan and forced to pay higher interest rates on necessary financing, causing severe financial and emotional hardship. \nHard Inquiries in Dispute XXXX  XX/XX/XXXX Duplicate or unauthorized inquiry. FCRA 607 ( b ) and 604 ( a ) violations. Causes lenders to perceive risk inaccurately. \nXXXX XXXXXX/XX/XXXX Unauthorized inquiry. I did not apply for credit. Violates FCRA 604 ( a ). Leads to denials and increased interest. \nXXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 604 ( a ). Financial harm includes credit denials and higher insurance premiums. \nXXXX XX/XX/XXXX Unauthorized inquiry. Reporting without consent violates FCRA 604 ( a ). Causes XXXX  and denial of credit opportunities. \nConclusion and Relief Requested All accounts and inquiries listed above are inaccurate, unverifiable, duplicates, or unauthorized, causing denial of loans, higher interest rates, housing issues, reputational harm, and emotional XXXX. I request CFPB to : 1. Investigate and enforce deletion or correction of all unverifiable, inaccurate, or duplicate items.\n\n2. Remove all unauthorized hard inquiries.\n\n3. Ensure compliance with FCRA, FDCPA, and UDAAP.\n\n4. Hold responsible parties accountable for reporting false, misleading, or unverified information.\n\nImmediate correction is necessary to restore my financial standing, creditworthiness, and protect my consumer rights.","date_sent_to_company":"2025-09-05T00:05:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"15710619","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-05T00:03:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>account</em> has blocked access to affordable credit, delayed medical financing, and <em>created</em> personal financial hardship. I have had to pay higher interest rates because lenders see me as high risk. \nXXXX XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * This <em>account</em> is unverifiable and <em>duplicates</em> another <em>account</em> in reporting. Reporting unverified or <em>duplicate</em> collections violates FCRA 607 ( b )."]},"sort":[12.706996,"15710619"]},{"_index":"complaint-public-v1","_id":"10971876","_score":12.460564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C.\n242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:29:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","date_received":"2024-11-29T14:28:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.460564,"10971876"]},{"_index":"complaint-public-v1","_id":"10971802","_score":12.460564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.\n\n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:29:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T14:28:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.460564,"10971802"]},{"_index":"complaint-public-v1","_id":"10921931","_score":12.460564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was XXXX in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( hXXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX  ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports.\n\nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways.\n\nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you XXXX in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : XXXX  ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:17:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-26T07:16:59.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws.\n\nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.460564,"10921931"]},{"_index":"complaint-public-v1","_id":"10971574","_score":12.456241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation.\n\nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX ) reporting old debts as new or re-aged ( XXXX XXXX XXXX ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( XXXX XXXX XXXXXXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.\n\n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( XXXX XXXX XXXX ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( XXXX XXXX XXXX ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ).\n\n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( XXXX XXXX XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-29T14:28:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10971574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-29T14:18:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.456241,"10971574"]},{"_index":"complaint-public-v1","_id":"14757766","_score":12.448982,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, being first duly sworn, state under penalty of perjury the following : 1. Background and Summary I am a XXXX veteran and the lawful owner of a XXXX XXXX XXXX. I retain possession of the original Illinois Certificate of Title, which shows no lienholder. I have never assigned, signed, or authorized any Power of Attorney ( POA ) or transfer of lien rights to USAA or its agents.\n\nOver the past year, I have filed 15 formal complaints with the Consumer Financial Protection Bureau ( CFPB ) outlining USAAs conduct involving : Fraudulent lien creation and false title correction Credit reporting of a vehicle loan with no perfected interest Forged and unlawful XXXX paperwork Closure of my credit card account without explanation after these filings Suspicious bundling and trade activity of both accounts as securitized instruments 2. Forged XXXX Paperwork and Fraudulent Lien USAA, or a party acting on its behalf, filed documents with the Illinois Secretary of State to obtain a duplicate title falsely claiming the original was lost or replaced. I never submitted such a request.\n\nThese documents either : Contain a forged or unauthorized POA Were signed or attested to without my knowledge or consent Were used to list USAA as a lienholder despite the lack of a perfected interest This filing directly violates 625 ILCS 5/3-201 ( a ) and 26 CFR 301.6323, both of which require a creditor to perfect a lien at the time of contract execution to secure their interest.\n\nUSAA never perfected a lien at the time of purchase, and I retain the original lien-free title issued to me by the Illinois Secretary of State in XX/XX/XXXX. \n\n3. False Credit Reporting Despite lacking a lawful lien or perfected interest, USAA reported a vehicle loan to national consumer reporting agencies as : Valid Secured Delinquent This reporting was : Knowingly false Maintained after repeated disputes Never corrected, updated, or properly investigated These actions constitute willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1692e ( 8 ) under the Fair Debt Collection Practices Act ( FDCPA ).\n\n4. CFPB Filings and Pattern of Evasion Between XXXX and XXXX, I submitted over a dozen CFPB complaints regarding these issues. USAA repeatedly : Provided non-responsive boilerplate replies Marked new complaints as duplicates Failed to provide any valid proof of lien or ownership Avoided addressing the core issues of forgery, false reporting, and POA fraud 5. Retaliatory Closure of My Credit Card Account Following my escalated filings and continued credit disputes, USAA abruptly closed my credit card account citing fraud. I was : Not notified of any specific fraudulent charge or event Given no opportunity to review or rebut the basis of the closure Left with damaged credit and limited recourse This closure appears retaliatory in nature and timed to reduce exposure for USAA. It disrupted my credit profile and created hardship. This conduct potentially violates the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).\n\n6. Securitization, Bundling, and Financial Harm I have reason to believe that : My auto loan agreement and/or credit card account were securitized, or sold into a structured finance vehicle such as an Asset-Backed Security ( ABS ) or Collateralized Loan Obligation ( CLO ) USAA bundled my auto contract and credit card account together, increasing the assets trade value on the secondary credit markets USAA used the fraudulent lien and false perfection documents to misrepresent the vehicle loan as secured in order to enhance the assets tradeability Once these actions were challenged via my CFPB filings and disputes, the credit card was abruptly closed, potentially to distance USAA from regulatory exposure or fraud liability These actions likely violate : SEC Rule 10b-5 ( 17 C.F.R. 240.10b-5 ) under the Securities Exchange Act of XXXX, which prohibits fraud in connection with the sale or trade of securities Truth in Lending Act ( TILA ), 15 U.S.C. 1631, for failure to disclose bundling or securitization risks Federal Reserve Regulation Z, which requires full transparency in the sale or assignment of consumer credit contracts I did not authorize any bundling, securitization, or sale of my credit profile for market use. Any attempt to do so using forged or fraudulently perfected documents renders the transaction unlawful and materially misleading to investors and regulators.\n\n7. Laws Violated by USAA and/or Its Agents Based on the facts stated above, I allege USAA violated : 720 ILCS 5/17-3 Forgery 625 ILCS 5/3-201 ( a ) Unlawful lien filing without perfection 26 CFR 301.6323 Invalid federal lien without proper documentation 18 U.S.C. 1341 Mail fraud 18 U.S.C. 1343 Wire fraud 15 U.S.C. 1681s-2 False credit reporting ( FCRA ) 15 U.S.C. 1692e ( 8 ) Failure to mark debt as disputed ( FDCPA ) 15 U.S.C. 1631 Failure to disclose material credit facts ( TILA ) 815 ILCS 505/2 Deceptive business practices ( ICFA ) SEC Rule 10b-5 ( 17 C.F.R. 240.10b-5 ) Securities fraud by omission or misstatement 8. Request for Remedy and Referral I respectfully demand and request : Immediate release and removal of the fraudulent lien from my vehicle title Permanent deletion of all false credit reporting related to the disputed auto loan Written explanation for the closure of my credit card account A full investigation into all XXXX filings, forged documents, and securitization records Referral of this affidavit to the Illinois Attorney General, Consumer Financial Protection Bureau, and Securities and Exchange Commission ( SEC ) for further legal action CERTIFICATION PURSUANT TO 735 ILCS 5/1-109 I, XXXX XXXX XXXX, certify under penalty of perjury under the laws of the State of Illinois that the statements set forth in this Affidavit are true and correct to the best of my knowledge and belief. \n\nExecuted on : XX/XX/XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX","date_sent_to_company":"2025-07-20T15:01:13.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"60411","tags":"Servicemember","has_narrative":true,"complaint_id":"14757766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-07-20T14:57:17.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["in order to enhance the assets tradeability Once these actions <em>were</em> challenged via my CFPB filings and disputes, the credit card was abruptly closed, potentially to distance USAA from regulatory exposure or fraud liability These actions likely violate : SEC Rule 10b-5 ( 17 C.F.R. 240.10b-5 ) <em>under</em> the <em>Securities</em> Exchange Act of XXXX, which prohibits fraud in connection with the sale or trade of <em>securities</em> Truth in Lending Act ( TILA ), 15 U.S.C. 1631, for failure to disclose bundling or securitization"]},"sort":[12.448982,"14757766"]},{"_index":"complaint-public-v1","_id":"10948155","_score":12.445505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. \nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242. \n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both. \nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both. \n\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX XXXX  reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information XXXX XXXX XXXX XXXX XXXX that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft XXXX XXXX XXXX XXXX XXXX ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX  include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose XXXX XXXX XXXX XXXX XXXX to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might XXXX XXXX when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your XXXX XXXX if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10948155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUSTMARK CORPORATION","date_received":"2024-11-27T20:02:42.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.445505,"10948155"]},{"_index":"complaint-public-v1","_id":"10945411","_score":12.428789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX  ) reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( https : //www.nolo.com/legal-encyclopedia/how-long-does-negative-information-stay-credit-report.html ) that's more than XXXX years old ( like lawsuits ) or XXXX years old ( XXXX  XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( https : //www.nolo.com/legal-encyclopedia/impermissible-credit-report-use.html ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10945411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T19:53:25.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.428789,"10945411"]},{"_index":"complaint-public-v1","_id":"10921710","_score":12.428789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation.\n\nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation.\n\nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy ( XXXX XXXX XXXX  ) reporting old debts as new or re-aged ( XXXX XXXX XXXX  ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( XXXX XXXX XXXX ) that's more than XXXX years old ( like lawsuits ) or XXXX years old ( XXXX  XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( https : //www.nolo.com/legal-encyclopedia/disputing-incomplete-and-inaccurate-information-in-your-credit-report.html ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports.\n\nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways.\n\nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.\n\nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( https : //www.nolo.com/legal-encyclopedia/how-dispute-credit-report-items-with-the-creditor-collector.html ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation.\n\n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( XXXX XXXX XXXX  ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity.\n\n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //www.nolo.com/legal-encyclopedia/do-lenders-have-to-tell-you-why-you-are-denied-credit.html ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:16:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-26T06:53:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws.\n\nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.428789,"10921710"]},{"_index":"complaint-public-v1","_id":"10921704","_score":12.428789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.\n\nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.\n\nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.\n\nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.\n\nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.\n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1.Any actual damages incurred by the consumer due to the failure ; and 2.In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court.\n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both.\n\nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both.\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was XXXX in bankruptcy ( https : XXXX ) reporting old debts as new or re-aged ( https : XXXXl ) reporting an account as active when it was voluntarily closed by a consumer and reporting certain information ( https : XXXX  ) that's more than seven years old ( like lawsuits ) or ten years old ( XXXX  XXXX bankruptcies ). \nXXXX. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ( https : XXXX ) ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \nXXXX. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \nXXXX. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report ( https : XXXX  ), the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations ( https XXXX XXXX  ) include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \nXXXX. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \nXXXX. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose ( https : //www.nolo.com/legal-encyclopedia/impermissible-credit-report-use.html ) to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you XXXX in bankruptcy pulls your credit report to check out your current financial activity. \nXXXX. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision ( https : //XXXX ) based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-26T07:17:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28052","tags":null,"has_narrative":true,"complaint_id":"10921704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Veros Credit, LLC","date_received":"2024-11-26T07:16:59.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws.\n\nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.428789,"10921704"]},{"_index":"complaint-public-v1","_id":"10948158","_score":12.413827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. \nAccount Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. \nAccounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. \nThe fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. \nUnconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution. \nColor of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242. \n\nProvisions and penalties for negligent violations are provided under section 617. [ 15 U.S.C. 1681o ]. Any person who demonstrates negligence by failing to comply with any requirement established under this law concerning a consumer is responsible to the consumer for an amount comprising : 1. Any actual damages incurred by the consumer due to the failure ; and 2. In the event of a successful legal action to enforce any liability, the costs associated with the action, as well as reasonable attorney 's fees determined by the court. \n\nFalse Pretenses The law deters fraudulent activities and cases done knowingly under false pretenses. The FCRA penalizes anyone who obtains consumer information from the CRA under false pretenses. As specified under the United States Code, the conduct is punishable by a fine, imprisonment for up to 2 years, or both. \nUnauthorized Disclosure Under section 620. [ 15 U.S.C. 1681r ] of the FCRA, any officer or employee of the consumer reporting agency who knowingly or willfully provides consumers information from the agencys files to any person not authorized to access the information shall be fined or imprisoned for not more than 2 years or both. \n\n\n1. Furnishing and Reporting Old Information Credit reporting agencies and the creditors who supply information to them must provide and keep your credit information current. When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be an FCRA violation. \nSome examples of this kind of FCRA violation include : failing to report that a debt was discharged in bankruptcy XXXX XXXX XXXX XXXX XXXX reporting old debts as new or re-aged XXXX XXXX XXXX XXXX XXXX reporting an account as active when it was voluntarily closed by a consumer and reporting certain information XXXX XXXX XXXX XXXX XXXX that's more than seven years old ( like lawsuits ) or ten years old ( XXXX XXXX bankruptcies ). \n2. Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. That kind of information includes : reporting a debt as charged-off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft XXXX XXXX XXXX XXXX XXXX ). \nCredit reporting agencies must not include inaccurate information in your credit reports. \n3. Mixed Files Credit reporting agencies can also run afoul of their obligations to report accurate credit information about you. In many instances, this violation happens when a credit bureau mixes your file with someone else 's file with similar background information. \nSome common cases of mixed files include : morphing or duplicating negative credit information with a stranger who shares a similar Social Security number failing to distinguish the Jr. and Sr. in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code. \n4. Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report XXXX XXXX XXXX XXXX XXXX, the credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit reports. \nA credit reporting agency or creditor can fall short of its duties to follow proper dispute procedures under the Fair Credit Reporting Act in a number of other ways. \nDebt Dispute Violations by Credit Reporting Agencies Some common FCRA violations by credit reporting agencies include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute or correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. \nDebt Dispute Violations by Creditors and Other Information Suppliers Some common creditor and furnisher FCRA violations XXXX XXXX XXXX XXXX XXXX include failing to : notify every credit reporting agency involved that you dispute the debt submit corrected information to the credit reporting agency subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect conduct an internal investigation of your dispute within 30 days ( or 45 days in some cases ) provide you with a reasonable procedure, including an address, to submit a written dispute or report of identity theft or inform you of the results of its investigation within five business days after it completes the investigation. \n5. Privacy Violations Credit reporting agencies can't release your credit reports to just anybody. They can only give them to authorized persons. The agencies may disclose your report only to persons or entities that have a valid need, such as : creditors landlords insurance providers utility companies, and employers ( only if you previously consented ). \n6. Requesting a Credit Report for an Impermissible Purpose Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose XXXX XXXX XXXX XXXX XXXX to do so. If someone pulls your credit report for an impermissible purpose, then it might be an FCRA violation. \nSome examples of impermissible purposes include : someone pulls your credit report to determine if you're collectible before filing a lawsuit against you on an involuntary debt or other non-credit matter ( for example, in determining whether to file a personal injury lawsuit ) your employer pulls your credit report without your permission or a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. \n7. Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might oc cur when : a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision XXXX XXXX XXXX XXXX XXXX based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or \" user of information '' refuses to identify the source of the credit information it obtained about you.","date_sent_to_company":"2024-11-27T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"10948158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T20:02:42.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Furthermore, the use of these <em>accounts</em> to engage in <em>securities</em> transactions without my consent constitutes <em>securities</em> fraud, which is a violation of federal <em>securities</em> laws. \nThe fraudulent creation and use of these <em>accounts</em> also constitute a fraudulent conveyance, as they <em>were</em> <em>created</em> to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers."]},"sort":[12.413827,"10948158"]},{"_index":"complaint-public-v1","_id":"16631990","_score":12.128719,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding serious custodial and security failures by Optum Financial in connection with my employer-sponsored XXXX Savings Account ( XXXX ). For more than a year, my Optum XXXX debit card was used for numerous unauthorized and fraudulent card-present transactions in multiple states, often on the same day, while XXXX failed XXXX detect or prevent the activity. \n\nFrom XX/XX/XXXX through XX/XX/XXXX, my XXXX card was used at XXXX XXXX, XXXX, Touchdown Wings, XXXX, XXXX, Georgia XXXX, and other non-medical merchants. These are not qualified XXXX merchant categories, yet Optum repeatedly authorized them. The card was also used in different states within hours of each other, such as XXXX, Georgia and XXXX XXXX, California, proving that more than XXXX person had possession of my card data. These transactions were in-person, not online orders, which shows Optums systems approved cloned or duplicated cards without flagging suspicious activity. \n\nXXXX systems failed to : Enforce the merchant category restrictions that limit XXXX cards to medical expenses. \n\nDetect and block obvious fraudulent patterns such as same-day, multi-state transactions. \n\nXXXX me or suspend the card despite ongoing misuse over an extended period. \n\nI reported the fraudulent activity after discovering it and provided all evidence. Instead of accepting responsibility for its custodial failure, Optum issued a letter dated XX/XX/XXXX, acknowledging the unauthorized charges but claiming that I am liable for a portion of the losses because the transactions were reported outside of XXXX XXXX XXXX window. Optum credited only {$250.00} out of approximately {$1800.00} in fraudulent transactions, leaving {$1500.00} unreimbursed. \n\nThis response is unacceptable. Optum can not rely on the XXXX limitation when it failed to perform its duties as an HSA custodian and failed to provide any notice or monthly statements that would have allowed me to detect the unauthorized use earlier. I have checked all of my personal and work emails and confirmed that Optum never sent a single statement or notification of activity. \n\nXXXX XXXX was created through my employer, and I did not directly agree to any arbitration or terms limiting my rights. I never received or signed any disclosures before Optum issued the debit card. The small paper agreement mailed with the card contains unreadable fine print and does not meet the standards of a valid consent to binding terms. \n\nThis situation has caused significant financial and personal hardship. The XXXX funds were meant to cover essential medical expenses, including dental procedures for myself and orthodontic treatment for my partner. Because of Optums failure to secure the account and its refusal to fully reimburse me, I have been unable to pay for those treatments. \n\nOptums handling of this matter reflects gross negligence and breach of its custodial obligations under the XXXX agreement. The company allowed non-medical transactions, failed to monitor for fraud, did not provide statements or alerts, and is now attempting to shift the financial burden of its own failures onto the consumer. This represents a clear pattern of misconduct and disregard for the basic protections that should apply to any federally regulated financial account, especially XXXX designed for health care purposes. \n\nI request that the Consumer Financial Protection Bureau investigate this matter and require Optum Financial to take full responsibility for the complete amount of unauthorized transactions, totaling {$1800.00}, and to correct its internal security and monitoring deficiencies immediately.","date_sent_to_company":"2025-10-16T14:26:30.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30233","tags":null,"has_narrative":true,"complaint_id":"16631990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPTUM BANK, INC.","date_received":"2025-10-16T14:05:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The XXXX funds <em>were</em> meant to cover essential medical expenses, including dental procedures for myself and orthodontic treatment for my partner. Because of Optums failure to secure the <em>account</em> and its refusal to fully reimburse me, I have been unable to pay for those treatments. \n\nOptums handling of this matter reflects gross negligence and breach of its custodial obligations <em>under</em> the XXXX agreement."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[12.128719,"16631990"]},{"_index":"complaint-public-v1","_id":"4738211","_score":11.987226,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS IS NOT BA DUPLICATE COMPLAINT -- ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce. \nSo not only was an affidavit never returned to me but ON XX/XX/XXXX the company responded ( ( Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter. Unless Equifax can validate that the information they are reporting is true ; they too are at fault for violating my consumer rights. They also stated that results were mailed to me.I am requesting proof of mailing. I have not received at any point any information regarding my complaint. This is considered falsification and this too is against my consumer rights.","date_sent_to_company":"2021-09-20T23:40:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48047","tags":null,"has_narrative":true,"complaint_id":"4738211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-20T23:27:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["With myEquifax, you can <em>create</em> an <em>account</em> to manage your <em>security</em> freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ) ) As you can see Equifax again, totally failed to respond directly to the complaint. I as the consumer fully understand that a furnisher of information can be MORE THAN ONE entity - so although there may be other reporters- Equifax is ALSO a reporter."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.987226,"4738211"]},{"_index":"complaint-public-v1","_id":"16815315","_score":11.80106,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Request for Supervisory Review and Reopening CFPB Complaints XX/XX/XXXXXXXX &XX/XX/XXXXXXXX Wells Fargo Bank , XX/XX/XXXX Unauthorized Business-Account Wire | UCC Article XXXX Violations | False and Misleading Representations Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nTransaction : Unauthorized Wire {$24000.00} Business Acct XXXX XX/XX/XXXX XXXX Supervisory Review Request This filing is a formal Request for Supervisory Review and Reopening of CFPB Complaints XX/XX/XXXXXXXX and XX/XX/XXXXXXXX against Wells Fargo Bank XX/XX/XXXX \nBoth complaints were closed on XX/XX/XXXX2025 with identical Closed with Explanation letters that contain factually false and misleading statements, conceal key evidence, and misrepresent the nature of the banks investigation. \nI ask that this filing be treated as a new complaint seeking CFPB supervisory-level review and referral to the XXXX XXXX and XXXX XXXX XXXX \n\nXXXX Purpose This submission documents that Wells Fargos Closed with Explanation letters dated XX/XX/XXXX2025 contain factually incorrect and misleading statements that conceal the true nature of this fraud event. \nThe banks own phrase Even in cases of fraud acknowledges that the transaction was fraudulent. \n\nIf Wells Fargo later claims that this phrase did not constitute an acknowledgment of fraud, that position would itself contradict the plain language of its letter. The wording Even in cases of fraud expressly presupposes the existence of a fraudulent event and was used by the bank to justify why it would not reimburse me. Regardless of any subsequent reinterpretation, the written record shows that the bank recognized this as a fraud scenario and therefore triggered the duties and refund obligations imposed by XXXX XXXX ( a ) and XXXX ( b ). \n\nHaving recognized a fraud, Wells Fargo was obligated under XXXX XXXX ( a ) to refund the loss. Instead, it issued duplicate form letters that misrepresented investigative actions and ignored every question of fact and law raised in my complaints. \n\nXXXX Undisputed Facts At XXXXXX/XX/XXXX on XX/XX/XXXX2025 an unauthorized wire for {$24000.00} left my business account. \n\nBefore the transfer, the intruder disabled my text-message verification alerts confirmed by Wells Fargos email Changes to Your Delivery Preferences. \n\nI never received or approved any verification text or call. \n\nBank personnel acknowledged the alert changes. \n\nFraud & Claims closed the case in XXXX business days as No Fraud Found Approved by Customer. \n\nNo authentication logs, device/IP records, or dual-authorization evidence have been produced. \n\nXXXX Misrepresentations and Evasions XXXX Even in cases of fraud a bank does not have authority to debit a customers account without consent. \nFact : This concedes the transaction was fraudulent yet denies restitution. \nLegal Significance : Contradicts XX/XX/XXXXXXXX ( a ), which requires refund once a payment order is unauthorized. \n\nXXXX XXXX trace XXXX was performed. \nFact : This is an internal tracking code, not a lawful XX/XX/XXXXXXXX inter-bank trace ; no filingXX/XX/XXXXXXXX, or legal record exists. \nLegal Significance : Creates a false impression of compliance and misleads both the customer and the CFPB. \n\nXXXX Customer approved transaction. \nFact : Verification alerts were disabled before the transfer ; no text or call ever reached me. \nLegal Significance : Violates the banks burden under XXXX XXXX ( b ) to prove its security procedure was commercially reasonable and that the order was accepted in good faith. \n\nXXXX Funds are gone ; seek beneficiary. \nFact : Improperly shifts liability despite the banks internal-control failure. \nLegal Significance : Directly contradicts XXXX XXXX ( a ), which keeps liability with the bank until it proves commercial reasonableness and good faith. \n\nXXXX False accusation of authorization. \nFact : The banks statement that I approved the wire is demonstrably false ; its own records show that verification alerts were disabled and no confirmation occurred. \nLegal Significance : A knowingly inaccurate representation of fact mischaracterizing an unauthorized transaction as authorized. \n\nXXXX False claim of XXXX XXXX trace. \nFact : The cited reference is internal only ; no lawful XXXX filing through legal or wire-operations channels was made. \nLegal Significance : A material misrepresentation of the investigation performed and procedures followed. \n\nXXXX Duplicate template responses. \nFact : XXXX identical letters were issued for XXXX distinct CFPB complaints. \nLegal Significance : Shows no individualized review and a systemic effort to close exposure with form language, evidencing lack of good-faith investigation. \n\nXXXX Concealment by omission. \nFact : The bank withheld authentication logs, device/IP data, and the Security Procedures Agreement. \nLegal Significance : Blocks independent verification and deprives the bank of its evidentiary burden under XXXX Article XXXX. \n\nXXXX Controlling Law and Precedent Statutes and RegulationsXX/XX/XXXXXXXX ( b ) Bank must prove a commercially reasonable security procedure and good-faith acceptance. \n\nXXXX XXXX ( a ) If a payment order is unauthorized, the bank shall refund any payment received from the customer. \n\nXXXX XXXX A trace requires formal inter-bank filings through wire-operations/legal departments. \n\nXXXX XXXX XXXX ( XXXX ) Requires layered, out-of-band verification for high-risk business wires. \n\nXXXX XXXX. XXXX Prohibits unfair or deceptive acts in connection with financial products. \n\nCase Law Illustrating Liability XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) single-factor authentication for business accounts held not commercially reasonable. \n\nXXXX XXXX XXXX XXXX Bank XXXX XXXX. XXXX ( XX/XX/XXXXXXXX ) bank liable for ignoring fraud signals ; lack of good faith. \n\nXX/XX/XXXX v. XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) bank avoided liability only after proving dual control was offered and declined. \n\nWells Fargo has produced no evidence of dual control or out-of-band verification. Its system allowed alerts to be disabled a design failure that fails the XXXX and XXXX standards. \n\nXXXX Bad-Faith Indicators XXXX identical letters for XXXX different complaints no independent review. \n\nCase closed in XXXX business days no forensic investigation. \n\nInternal reference substituted for legal XXXX trace false representation of process. \n\nAdmission of fraud without refund breach of Article XXXX refund mandate. \n\nInstruction to resolve with beneficiary unlawful shift of statutory risk. \n\nCollectively, these actions constitute bad-faith handling under XXXX ( b ) (XX/XX/XXXX ) and a pattern of misrepresentation to avoid liability. \n\nXXXX Systemic Process Failure Allowing an unauthorized user to disable all security notifications and immediately initiate a wire is an internal-control failure. No system meetingXX/XX/XXXX standards permits that sequence without secondary verification or dual authorization. This defect is structural, not user error, and places liability squarely on the bank under XXXX ( b ). \n\nXXXX Requested CFPB Action Re-open and consolidate both complaints for joint review and further investigation. \n\nCompel Wells Fargo to produce authentication logs, device/IP records, and the Security Procedures Agreement.\n\nRefer the matter to the Office of the Comptroller of the Currency ( OCC ) for supervisory enforcement under XXXX XXXX. XXXX. \n\nAssess whether the banks false statements about a XXXX trace violate XXXX XXXX. XXXX ( False Statements to a Federal Agency ). \n\nRequire restitution of {$24000.00} under XXXX XXXX ( a ) and a written remediation plan to prevent alert disabling without verified contact with the account owner. \n\nXXXX Closing Statement Wells Fargos responses demonstrate awareness of fraud, failure to refund, and misrepresentation of its investigative actions. By admitting that fraud occurred yet relying on boilerplate language to deny relief, the bank acted in bad faith and violated its duties under XXXX Article XXXX and federal consumer-protection law. These statements constitute false and misleading representations to both the customer and the regulator. I request that the CFPB treat this as a serious regulatory breach, refer it to the OCC for enforcement, and require full restitution and corrective action. \n\nXXXX Supervisory Referral I respectfully request that this matter be escalated for Supervisory Consumer Response review within the CFPB and, if appropriate, referred to the CFPB XXXX XXXX and the Office of the Comptroller of the Currency ( OCC ) for coordinated regulatory action. \n\nXXXX Signature Respectfully, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. \nXXXX | ( XXXX ) XXXX","date_sent_to_company":"2025-10-25T04:46:57.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"16815315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-25T04:18:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Having recognized a fraud, Wells Fargo was obligated <em>under</em> XXXX XXXX ( a ) to refund the loss. Instead, it issued <em>duplicate</em> form letters that misrepresented <em>investigative</em> actions and ignored every question of fact and law raised in my complaints. \n\nXXXX Undisputed Facts At XXXXXX/XX/XXXX on XX/XX/XXXX2025 an unauthorized wire for {$24000.00} left my business <em>account</em>."]},"sort":[11.80106,"16815315"]},{"_index":"complaint-public-v1","_id":"3497976","_score":11.701324,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : FactorTrust, Incorporated ( an alternative credit bureau ) On XX/XX/2020 I received an email alert from XXXX  notifying me of a change in my XXXX   credit report at XXXX XXXX. When I got home from work, I immediately accessed my credit report and noted that a hard inquiry by XXXX XXXX XXXX had been completed. I had not sought out the services of XXXX XXXX XXXX nor authorized XXXX XXXX XXXX to perform any inquiry. I immediately called XXXX XXXX XXXX and notified them of possible identity theft and fraudulent activity. They stated that it was an \" online '' loan application. I then stated that it definitely was not me and I was provided a customer service reference number by XXXX XXXX XXXX. I then began the process of placing security freezes and fraud alerts with XXXX, XXXX, and XXXX. When reviewing my credit reports I saw an unauthorized inquiry by FactorTrust, Incorporated.  I did not recognize that company so looked it up on the internet and found that they are an \" alternative credit bureau '' that is used by XXXX XXXX XXXX. I was unable to talk to a customer service representative at FactorTrust that evening because their hours of operation are from XXXX XXXX to XXXX XXXX Eastern Time. So, I attempted to access THAT credit report to place a security freeze and I was unable to successfully \" verify my identity '' by the questions posed ( I now know that they have created a credit report on me FULL of inaccuracies and will explain further. ) As I was unable to answer the verification questions ( which I have been able to do for over 30+ years with no problems with all other agencies ) I called their customer service number on XX/XX/2020 to notify them that XXXX XXXX XXXX was not authorized to do a credit inquiry and to place a fraud alert and security freeze on the credit report. The representative I spoke with did note that I had had difficulty signing on because of the \" failures '' on the security questions. Once I satisfactorily answered questions to verify my identity with the agent, I was provided a fax number and provided directions on placing a security freeze. I filled out a form and faxed it with supporting identification on XX/XX/2020. I have YET to  receive confirmation on the security freeze as of XX/XX/2020. As I was able to finally see the \" credit report '' generated by FactorTrust ( once the agent assisted me ) I  noticed multiple inaccuracies and items on the report that are not part of credit reports. First off, the report generated by FactorTrust , Inc. was done on XX/XX/2020 ... they have nothing prior to XX/XX/2020. Secondly, it had information included on the credit report that is not on the \" big '' three namely, a bank routing and account number and a loan number for XXXX XXXX XXXX with the amount of the \" payday '' loan ( yes, it said the type of loan it was ). In addition, it had my so-called salary and my so-called payroll frequency ( both incorrect ). With this information, I looked up the routing number and called the bank ( not a bank nor branch available in my state so obviously not mine ) and I notified that bank that my name, DOB, and SSN was used to obtain a loan fraudulently and that their bank is listed on my credit report. Their customer service department took the information on the evening of the 7th and said that they were forwarding it to their fraud department. I spent hours on the 7th and 8th trying to reach \" real '' people in various agencies/companies desperate to make sure the thief 's damage was contained. On XX/XX/2020 I filed an Identity Theft Report with the Federal Trade Commission naming XXXX XXXX XXXX and FactorTrust, Incorporated as unauthorized users of my personal information. Copies of the the FTC Identity Theft Report were provided XXXX XXXX XXXX and to all credit reporting agencies including FactorTrust, Incorporated, and disputes filed to have the inquiries removed. After filing the report and reading my rights under the Fair Credit Reporting Act I contacted the bank that was listed on my FactorTrust, Incorporated credit report to ask what information I needed to provide to them to obtain copies of the application someone used to open the bank account using my information. It was at this point that I learned that the bank account was not associated with my name and SSN. I explained that FactorTrust, Inc. has it associated with my personal identifying information and the bank stated that the information must have come from the XXXX XXXX XXXX loan application. In truth, FactorTrust, Inc. generated an inaccurate, falsified Consumer Disclosure Credit Report about ME using information from an ONLINE PAYDAY LOAN application. On XX/XX/2020 I mailed a letter to FactorTrust, Incorporated requesting that they A ) delete and block XXXX XXXX XXXX from my credit report, and B ) that they delete and remove my entire consumer report file that they generated as the result of identity theft and fraud. On XX/XX/2020, I faxed a duplicate request to FactorTrust Incorporated along with the FTC Identity Theft Report. To date, FactorTrust, Inc. has still not notified me of my requested security freeze status. To date, FactorTrust Inc. is the only credit reporting agency that has not removed the fraudulent inquiry and information. To date, the only correspondence I have received from them is an email in response to my disputes about the false information and the XXXX XXXX XXXX inquiry. Email reads as follows : Good morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims. This supporting documentation can be mailed or faxed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. \nThanks, Consumer Support FactorTrust, Inc. \nXXXX XXXX XXXX XXXX, GA XXXX Fax XXXX To summarize : FactorTrust , Inc. is party to creating a Consumer Disclosure Credit Report full of inaccurate and false information based on an online application created by an identity thief. MANY of the items on the FactorTrust, Inc. credit report are not found on my XXXX, XXXX, and XXXX  reports. FactorTrust, Inc. is the least responsive to my requests to correct and delete any and all information they collected on me as the result of identity theft.","date_sent_to_company":"2020-01-22T19:34:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"750XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3497976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FactorTrust, Inc.","date_received":"2020-01-16T01:48:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After filing the report and reading my rights <em>under</em> the Fair Credit Reporting Act I contacted the bank that was listed on my FactorTrust, Incorporated credit report to ask what information I needed to provide to them to obtain copies of the application someone used to open the bank <em>account</em> using my information. It was at this point that I learned that the bank <em>account</em> was not associated with my name and SSN."]},"sort":[11.701324,"3497976"]},{"_index":"complaint-public-v1","_id":"18048417","_score":11.587589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I disputed inquiries that : I did not initiate <em>Were</em> generated without my consent Are linked to fraudulent <em>accounts</em> Appear <em>duplicative</em> or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and <em>create</em> an inaccurate record of my credit-seeking behavior."]},"sort":[11.587589,"18048417"]},{"_index":"complaint-public-v1","_id":"18048416","_score":11.571308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T18:46:59.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I disputed inquiries that : I did not initiate <em>Were</em> generated without my consent Are linked to fraudulent <em>accounts</em> Appear <em>duplicative</em> or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and <em>create</em> an inaccurate record of my credit-seeking behavior."]},"sort":[11.571308,"18048416"]},{"_index":"complaint-public-v1","_id":"18048418","_score":11.541803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048418","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I disputed inquiries that : I did not initiate <em>Were</em> generated without my consent Are linked to fraudulent <em>accounts</em> Appear <em>duplicative</em> or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and <em>create</em> an inaccurate record of my credit-seeking behavior."]},"sort":[11.541803,"18048418"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":66,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":66}]}},"product":{"doc_count":66,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":38}]}},{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":7},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Debt 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