{"took":283,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21176299","_score":20.886301,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint XXXX XXXX XXXX XXXX XXXXXXXX name to enter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product/Issue category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : I am filing this complaint regarding a vehicle lien that XXXX XXXX continued to hold on a XXXX XXXX XXXX XXXX  ( VIN : XXXX ) that I purchased from XXXX on XX/XX/XXXX. Despite my purchase of this vehicle and years of loan payments made to XXXXXXXX XXXX XXXX continued to hold the title and lien under the name of the previous owner, XXXX XXXX, without ever notifying me or taking any action to resolve the title defect. \nIn XXXX, I contacted XXXX XXXX after being directed to do so by XXXX when attempting to obtain the vehicle title. A male representative confirmed that the account was not in my name and that XXXX XXXX still held the title and XXXX on the vehicle. I was then transferred to a manager identified as XXXX ( Employee ID : XXXX XXXX ), who confirmed the same, stating : \" since the account isn't in your name I would not be able to release any documents. '' This call was recorded in full and is attached to this complaint as a supporting audio file. \nWhen I asked XXXX XXXX  to provide written documentation confirming that the account and title were not in my name which would have been essential to resolving my dispute with XXXX and XXXX they refused. XXXX explicitly cited the fact that the account was not in my name as the reason they could not release documents, creating a situation where I was unable to obtain proof of the very title defect that was harming me. This refusal to provide documentation, combined with identical refusals from XXXX and XXXX, left me with no written evidence of a defect that all three companies were aware of. The pattern of verbal acknowledgment combined with refusal to document appears deliberate. \nA repossession was reported to all three major credit bureaus under my name in XX/XX/XXXX for a vehicle that XXXX XXXX XXXX  own representatives confirmed on a recorded call was never in my name. I am attaching that recording as well as screenshots from both XXXX and XXXXXXXX XXXX platforms confirming the vehicle details, account number, and my association with this vehicle. \nDesired resolution : I am requesting a full investigation into how this vehicle 's title remained under a previous owner 's name for over XXXX years following its sale, written documentation confirming that the account was never in my name, and the immediate removal of the repossession and any related negative reporting from my credit reports at all three major credit bureaus.","date_sent_to_company":"2026-04-13T01:23:04.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"21176299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-04-13T01:13:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Desired resolution : I am requesting a full <em>investigation</em> into how this <em>vehicle</em> 's title <em>remained</em> <em>under</em> a <em>previous</em> <em>owner</em> 's name for over XXXX years following its sale, written documentation confirming that the account was never in my name, and the immediate removal of the repossession and any related negative reporting from my credit reports at all three major credit bureaus."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[20.886301,"21176299"]},{"_index":"complaint-public-v1","_id":"21176118","_score":20.824238,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint 1 : Carvana Company name to enter : Carvana, LLC Product/Issue category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( VIN : XXXX ) from Carvana in XXXX, XXXX. Financing was arranged through XXXX. At no point during the sale did Carvana inform me that the vehicle title had not been cleared from the previous owner, XXXX XXXX. Carvana also failed to provide the standard vehicle details packet that is typically delivered with the vehicle at the time of sale. The absence of this packet meant I had no documentation of the transaction from the moment of purchase. \nI made loan payments to XXXX from XX/XX/XXXX onward without any knowledge of a title defect. In XXXX, when I attempted to sell the vehicle back to Carvana, I was directed to contact XXXX XXXX to obtain the title. Upon calling XXXX XXXX, I was informed that no account existed in my name and that the vehicle remained titled under the name of XXXX XXXX the previous owner. The title had never been transferred out of her name and into mine despite my having purchased, possessed, registered, and made payments on the vehicle for approximately XXXX years. \nWhen I contacted Carvana to report this title discrepancy, they stated they could not assist me and directed me to XXXX. At no point did Carvana provide any written documentation, explanation, or resolution regarding the failure to transfer the vehicle title at the time of sale. Every attempt I made to obtain documentation or a written response was refused or redirected. I am attaching a screenshot from Carvana 's own website showing my name associated with this vehicle, the matching VIN ( XXXX ), the purchase date of XX/XX/XXXX, and a prior buyback offer of {$2000.00} confirming Carvana 's own records acknowledge this vehicle as mine while the title was never legally transferred into my name. I am also attaching a screenshot of the vehicle 's original Carvana listing showing it was sold for {$16000.00}. \nI have a recorded phone call in which XXXX XXXX XXXX representatives, including a manager identified as XXXX ( Employee ID : XXXX XXXX ), verbally confirmed that the account was never in my name and that XXXX XXXX still held the title and XXXX on the vehicle under XXXX XXXXXXXX XXXX name. A repossession was subsequently reported to all three major credit bureaus under my name in XX/XX/XXXX for a vehicle that was never legally titled in my name. The consistent refusal by all parties to provide written documentation appears to be a deliberate pattern of withholding information from a consumer with a legitimate title dispute. \nDesired resolution : I am requesting a full investigation into Carvana 's failure to properly transfer the vehicle title at the time of sale, and the removal of any negative credit reporting related to this vehicle from all three major credit bureaus.","date_sent_to_company":"2026-04-13T00:57:34.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"21176118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2026-04-13T00:35:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Upon calling XXXX XXXX, I was informed that no account existed in my name and that the <em>vehicle</em> <em>remained</em> titled <em>under</em> the name of XXXX XXXX the <em>previous</em> <em>owner</em>. The title had never been transferred out of her name and into mine despite my having purchased, possessed, registered, and made payments on the <em>vehicle</em> for approximately XXXX years. \nWhen I contacted Carvana to report this title discrepancy, they stated they could not assist me and directed me to XXXX."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[20.824238,"21176118"]},{"_index":"complaint-public-v1","_id":"20003007","_score":13.802285,"_source":{"product":"Checking or savings account","complaint_what_happened":"am filing this complaint regarding XXXX business accounts I previously held with * * Wells Fargo under my name, XXXX XXXX XXXX ( DBA XXXX XXXX ), when I was working as a self-employed independent XXXX providing in-home certified XXXX assistant services. \n\nIn 2022, Wells Fargo closed my Business Checking and Business Market Rate Savings accounts. At the time of closure, the statements show that funds were withdrawn from the accounts and that cashiers checks would be issued to return the balances to me. \n\nShortly after the closure, I received XXXX cashiers checks in the mail : {$150.00} from the savings account {$95.00} from the business checking account However, I was informed by Wells Fargo that these were only partial payments and that the remaining balances would be issued after I verified my identity at a local branch. \n\nI contacted Wells Fargo by phone and scheduled an appointment with a banker at my local branch. I was instructed to bring XXXX forms of identification to confirm that I was the owner of the accounts. I went to the branch as instructed and provided my identification. \n\nDespite completing the identity verification process, I never received the remaining balances from the accounts. \n\nAccording to the bank statements from XX/XX/year> : The Business Checking account shows withdrawals totaling {$2500.00} during the statement period and a closing balance of {$0.00}. \nThe XXXX XXXX XXXX XXXX account shows withdrawals totaling {$8000.00} during the statement period and a closing balance of {$0.00}. \n\nTo this day, I have only received the XXXX small cashiers checks totaling {$240.00}, and I never received the remaining funds that should have been issued when the accounts were closed. \n\nRecently, I contacted Wells Fargo again to try to resolve this issue. The representative told me that they could not locate any accounts under my name and claimed that these accounts did not exist. This is extremely concerning because I have official bank statements showing the accounts, account numbers, and the withdrawals. \n\nThe loss of access to these funds caused severe financial hardship for my family. Because I was unable to recover the money from my accounts, I fell behind on housing expenses and was eventually evicted from a rent-to-own home. My family was forced to live out of our vehicle for a period of time, pay significant monthly storage costs for our belongings, and give up family pets. This situation caused major financial and emotional hardship that we are still recovering from. \n\nI am requesting that Wells Fargo conduct a full investigation into these accounts and provide documentation showing : The account closure records Any cashiers checks issued for the remaining balances The check numbers, issue dates, and amounts Whether the checks were cashed and where they were deposited If cashiers checks were issued but never received by me, I request that the funds be reissued immediately. \n\nI am seeking a full explanation and recovery of the funds associated with these accounts. If you could please, I mean, Id really appreciate it. I know its been quite some time, but you know peoples lives and everybody goes through everything and the mind has just been a series of unfortunate events honestly last several years and Im gon na be honest it really is concerning and thats bothering me that for some odd reason the accounts are now nonexistent and but not its really an over {$10000.00} is just gone. Its a little absurd, but thank you for taking the time to read this and I hope you have a wonderful rest of your day. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-03-05T16:20:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95370","tags":null,"has_narrative":true,"complaint_id":"20003007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-05T15:55:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["am filing this complaint regarding XXXX business accounts I <em>previously</em> held with * * Wells Fargo <em>under</em> my name, XXXX XXXX XXXX ( DBA XXXX XXXX ), when I was working as a self-employed independent XXXX providing in-home certified XXXX assistant services. \n\nIn 2022, Wells Fargo closed my Business Checking and Business Market Rate Savings accounts."]},"sort":[13.802285,"20003007"]},{"_index":"complaint-public-v1","_id":"4294796","_score":12.173947,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My husband & I purchased a vehicle XXXX of XXXX. XXXX XXXX XXXX  XXXX. We were solicited on Sunday through XXXX by a CEU of XXXX XXXX XXXX XXXX. We met the CEU at XXXX  XXXX XXXX in XXXX, Ut. The XXXX told my husband & I that he had many repos he needed to get rid of. That he kept them at XXXX XXXX. He told us that we could choose whichever vehicle we wanted with a {$500.00} down payment. The vehicle we looked at was the dodge journey that we purchased. We were told it was XXXX, had back up camera, navigation, towing kit. That it was the top model. The XXXX had our loan done in 30 minutes including the test drive. He had told us that it was a 5/6 year loan at 9 % intrest rate & that we were buying it for {$15000.00}. He told us multiple times he was \" losing money on this deal ''. When we were signing the paperwork he made me purchase gap insurance even though the gap insurance part of the contract had a warning sentence saying we did not have to have gap insurance to purchase the vehicle. The total did not add up to me as it was {$17000.00} on paper. We had given him {$500.00}. So the car should have been {$14000.00}. When the papers were finished he gave the manager/owner of the XXXX  XXXX XXXX an {$18000.00} check. I was confused at the amount & for giving the dealership the check when he was the XXXX of the bank. The loan was through him not the dealership. I asked what it was for and the amount. He said it was the total with interest over the amount of the loan. ( I never taking a car loan out before without a parent had no clue that wasn't true ) He also said it was including license registration and fees. He also mentioned that he just had the dealer do all the paperwork so we didn't have to register it. It happened extremely fast. A few days later noticed the amount & interest rate was wrong & went to the bank to get it resolved. They assured me everything on their computer and the filed paperwork was correct. I made. $ XXXX {$400.00} payments, but they were wrongly recorded. A few months later. My husband made a payment for the car for {$350.00} & we were told it was {$22.00} short. Our car payment was originally {$230.00}. We looked at the loan & our loan was up to {$20000.00}. We previously only owed XXXX from the payments we had made. The bank gave us the run around. We got the loan back XXXX to XXXX & then it went back up to {$20000.00}. We didn't understand what was going on. The bank kept giving us the run around. Some payments were never added to my account. The XXXX that sold us the vehicle had quit by this time. ( He is the one under investigation with the FBI ) I Later found out that he had his dealers license. XXXX XXXX XXXX XXXX was audited for a year a least. The IRS was there daily. The XXXX XXXX XXXX XXXX was closed down by the government & all accounts merged to America First Credit Union. There was also an open investigation done by Utah XXXX XXXX XXXX XXXX. I was contacted by the XXXX from XXXX that was overseeing the case with my vehicle. The FBI took the information from the XXXX & is now going forward with their bank investigation. I can not get any information from anyone regarding my vehicle. I've called the XXXX from the XXXX & the FBI. \nNow that America First Credit Union has the loan they are doing nothing to ensure the issue is corrected. The loan they have is for a completely different vehicle then what we actually had/ financed. The loan is standing again at {$16000.00}. As soon as America First Credit Union had the loan I reached out trying to figure out what was going on with the investigation. I had recieved no help until called in to get my balance & an employee in the collection Division listened to what happened with the vehicle & vehicle loan. She went up with her supervisor & her supervisor said they were going to do nothing. I spoke with the Supervisor who told me that the car was refinanced in the month of XXXX ( I am unknown of the year ) & I had signed other documents. I only signed the contract when the vehicle was purchased. I never refinanced the vehicle or signed additional documents except for one. The XXXX had told me that I forgot to sign something & if didn't sign it he would take back the vehicle. I don't know what the document was. It was a year after the vehicle had been purchased. I mentioned to the supervisor that I never refinanced the vehicle. It was forged if it was there. She told me it looked like my signature & that if I didn't like the payments she'd come get the vehicle. The phone call ended badly. I called back to speak with other people trying to get the issue resolved. I called the local CFPB of Utah & was told that the bank had assumed the loan so they assumed all responsibility & needed to correct the issues. America First Credit Union did not do anything. They repossessed the vehicle & took. {$1100.00} from my economic stimulus payment for the car. That amount was taken from my checking & moved to the car loan. Only the EIP funds were deposited into the account. I went into a branch & spoke with a manager who contacted collections while I was in the office & they had told me everything would me taken care of & looked into. I was also told by the manager that it might be an option for them to sell the vehicle & then work with the FBI to recover the remaining balance so I wouldn't have to owe anything. I now received a bill for {$17000.00} for a vehicle that I do not possess & have paid at the very least {$15000.00} for. I've calculated {$18000.00}. Had the loan been done legally, ethically & correct we would have never taken out the loan we were solicited on a Sunday. That alone is not legal. If the loan held up then we at least would have the title. The book value for our vehicle was XXXX clean retail. Our vehicle was sold with engine repair needed & dents with rust from an accident & should have been less. Especially if the XXXX was \" loosing money on this deal ''. I have been very upfront with America First Credit Union about the whole situation. I told them my intentions have always been to pay for the vehicle, but for the corrected amount & the loan needed to be looked into & fixed. I became so extremely frustrated because nothing was getting looked into I told the Credit Union I wasn't going to Make another payment until something was done about this issue. That is was serious & I should not pay double for the XXXX fraud. The woman I spoke with today said there was no mention of what happened with the city center credit union regarding my vehicle & account. Also that the legal team over the bank had no knowledge of the situation. I've reached out numerous times. I've called & emailed trying to get a resolution. Another issue to add to this all is. I have not recieved any information about the repossession on my vehicle. No mailed letter, not even an email. The only reason I knew was because I brought it up to the banker when I went into the office. I have had no opportunity to collect any belongings inside the vehicle. I have had no opportunity to make the payment of past due amount. I have not had a choice of to refinance the loan, take my car back or have them auction off the vehicle. I have had no information regarding the repossession of the vehicle & it has been gone from my home over XXXX weeks. There are a few issues or many with this situation. The car loan, the repo, taking the EIP out of my account. \nHad none of the other issues happened & this was a normal loan the bank has offered no services or help to us. My husband & I have been financially strained due to covid. He has been temporarily laid off until his work gets more business. We would have needed to work out a plan for the car loan during the uncertain time we are in. None of the employees or departments of the Credit union have reached out or given us any options or additional help for car loan. We have no idea what opportunities are available to those struggling with car payments. We would have just been blindsided by a repossession & no following information. \nI apologize this is so extremely long. It's not your average situation & I wanted to include as much as information as possible. There is more I am sure I'm leaving something out. I am uncertain of which type of complaint this would fall under? I do know that 2 different financial institutions & a car dealership are involved with this. So maybe there are multiple complaints. I know the names of all people mentioned & I have the original MVED complaint my husband & I filed. I was trying to leave out names. Email is best. Thank you","date_sent_to_company":"2021-04-15T11:56:11.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"84601","tags":"Servicemember","has_narrative":true,"complaint_id":"4294796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICA FIRST FEDERAL CREDIT UNION","date_received":"2021-04-13T03:18:58.000Z","state":"UT","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["We <em>previously</em> only owed XXXX from the payments we had made. The bank gave us the run around. We got the loan back XXXX to XXXX & then it went back up to {$20000.00}. We didn't understand what was going on. The bank kept giving us the run around. Some payments were never added to my account. The XXXX that sold us the <em>vehicle</em> had quit by this time. ( He is the one <em>under</em> <em>investigation</em> with the FBI ) I Later found out that he had his dealers license."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[12.173947,"4294796"]},{"_index":"complaint-public-v1","_id":"16977584","_score":12.040044,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXTHIS VALIDATED REGISTRATION CARD OR A FACSIMILE COPY IS TO BE KEPT WITH THE\\nVEHICLE FOR WHICH IT IS ISSUED. THIS REQUIREMENT DOES NOT APPLY WHEN THE\\nVEHICLE IS LEFT UNATTENDED. IT NEED NOT BE DISPLAYED. PRESENT IT TO ANY PEACE\\nOFFICER UPON DEMAND. IF YOU DO NOT RECEIVE A RENEWAL NOTICE, USE THIS FORM\\nTO PAY YOUR RENEWAL FEES OR NOTIFY THE DEPARTMENT OF MOTOR VEHICLES OF THE\\nPLANNED NON-OPERATIONAL STATUS (PNO) OF A STORED VEHICLE. RENEWAL FEES MUST\\nBE PAID ON OR BEFORE THE REGISTRATION EXPIRATION DATE OR PENALTIES WILL BE\\nDUE PURSUANT TO CALIFORNIA VEHICLE CODE SECTIONS 9552 - 9554.\\nEVIDENCE OF LIABILITY INSURANCE FROM YOUR INSURANCE COMPANY MUST BE PROVIDED\\nTO THE DEPARTMENT WITH THE PAYMENT OF RENEWAL FEES. EVIDENCE OF LIABILITY\\nINSURANCE IS NOT REQUIRED WITH REGISTRATION RENEWAL OF OFF-HIGHWAY VEHICLES,\\nTRAILERS, VESSELS, OR IF YOU FILE A PNO ON THE VEHICLE.\\nWHEN WRITING TO DMV, ALWAYS GIVE YOUR FULL NAME, PRESENT ADDRESS, AND TH\\nVEHICLE MAKE, LICENSE, AND IDENTIFICATION NUMBERS.XXXX DO NOT DETACH - REGISTERED OWNER INFORMATION\\nREGISTRATION CARD VALID FROM: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot a duplicate  please reopen/escalate. This filing supplements and escalates my prior complaint #XXXX and is not a duplicate. The companys verification still fails to establish that I ever agreed to be personally liable. XXXX XXXX XXXX XXXX XXXX continues furnishing a commercial/XXXX  obligation as a personal consumer tradeline, without producing a signed retail installment contract or personal guaranty from me.XXXXQuick verdict: This is not verification of personal liability.XXXX packet consists of: (a) a payment-delinquency table to me, (b) a California Cure Notice to me, (c) a Notice of Plan to Sell addressed to XXXX XXXX XXXX XXXX (listing me only as an interested party), and (d) an Auction Breakdown addressed to me. None of these documents includes a signed contract or personal guaranty bearing my signature that would authorize reporting this as my consumer debt. That fails the standard for verifying a tradeline that can lawfully appear on my personal credit file.XXXXWhy its legally insufficient (core points):XXXXNo signed contract/guaranty  unverifiable as my personal obligation. If the item cannot be verified, the CRAs must delete under FCRA 611(a)(5)(A); and after my dispute, the furnisher must conduct a reasonable investigation and correct/delete under FCRA 623(b) (15 U.S.C. 1681i, 1681s-2(b)).\\n\\nParty-of-record mismatch. XXXX  own sale notice is directed to XXXX XXXX XXXX XXXX (the business entity), not to me personally. Their deficiency accounting letter shows a claimed balance but still does not establish that I am personally liable. Furnishing this as my consumer debt is inaccurate.\\n\\nMetro 2 accuracy concerns. If the bureaus are showing Charge-Off and a Past-Due amount at the same time, that is typically inconsistent with Metro 2 post-charge-off reporting (post charge-off, Amount Past Due is generally $XXXX, while a charged-off balance may remain). I also request the DOFD (Date of First Delinquency) be confirmed and corrected, as it is required for the 7-year obsolescence period.\\n\\nWhat XXXX  actually sent as verification.\\nOnly notices and an auction/deficiency breakdownno document with my signature agreeing to personal liability. This does not verify the tradeline as legally reportable to my consumer file.\\n\\nWhy this is not a duplicate complaint.\\nMy prior complaint challenged XXXX XXXX accuracy and reinvestigation. This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that remain unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable under 611(a)(5)(A). These are new, unresolved issues, not previously addressed by XXXX  generic explanation.\\n\\nRequested CFPB action (escalation):\\nPlease escalate and require XXXX XXXX to either:XXXXProduce the original signed retail installment contract and/or personal guaranty showing I agreed to be personally liable (not just XXXX  notices); and provide the repo/sale documentation establishing compliance; or\\n\\nCease furnishing this account to the CRAs as my personal consumer debt and send deletion updates to Experian, XXXX XXXX XXXX; provide written confirmation; and ensure the CRAs supply a 611(a)(7) Method of Verification if they intend to keep the tradeline.\\n\\nBecause the company has not produced the required verifying documents tying me personally to this debt, the item is unverifiable under the FCRA and must be deleted.\\n\\nStatutes invoked: FCRA 607(b) (accuracy), 609(a)(2) (sources of information), 611(a) and 611(a)(5) (reinvestigation & deletion if unverifiable), 611(a)(7) (method of verification), and 623(a)(1), 623(b) (furnisher duties).\\n\\n3) What would be a fair resolution? (paste this)\\n\\nRequire XXXX XXXX to produce the signed personal guaranty/contract that authorizes reporting to my consumer file; if they cannot, require immediate deletion of the tradeline as unverifiable under 611(a)(5)(A).\\n\\nRequire XXXX XXXX to cease furnishing this account as my personal consumer debt and send deletion confirmations to Experian, XXXX, and XXXXXXXXRequire the CRAs to provide the 611(a)(7) Method of Verification and to correct Metro 2 fields, including removing any Amount Past Due after charge-off and confirming the DOFD used for obsolescence.\\n\\nWritten confirmation to me of all corrections/deletions.\\n\\n4) Attachments (upload these)XXXX verification packet (file name: XXXX) showing only notices and auction breakdown, no signed guaranty/contract.\\n\\nCalifornia Cure Notice (from XXXX XXXX).\\n\\nNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\n\\nDMV registration showing the XXXXXXXXMost recent Experian/XXXX report pages showing how the tradeline is displayed (status, balance, Amount Past Due, DOFD).\\n\\nPrior CFPB complaint confirmation for #XXXX (for non-duplicate context).\\n\\nGovernment ID and proof of address.\\n\\n\\nLIENHOLDER\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Credit Reporting/Consumer Relations\\XXXX XXXX XXXX XXXX XXXXRE: FINAL DEMAND  ILLEGAL REPORTING OF COMMERCIAL DEBT AS PERSONAL\\nOBLIGATION\\nTo Whom It May Concern:\\nThis letter serves as your FINAL DEMAND for immediate action regarding the continued and\\nunlawful reporting of a commercial debt as my personal consumer obligation.\\nThe account in question involves a XXXX XXXX XXXX XXXX financed under a Retail\\nInstallment Contract dated XXXX XXXX XXXX. That contract was executed solely by XXXX XXXX XXXX, and I signed it exclusively as an Authorized Representative of the LLC. I have\\nnever agreed to be personally liable, nor have you produced any legally valid documentation\\nshowing otherwise.\\nDespite multiple dispute letters, you have failed to provide proof of a personal guaranty,\\ninstead submitting unrelated documents such as ledgers and repossession paperwork. You\\nhave not met your burden under the Fair Credit Reporting Act (FCRA) to report only\\naccurate information and to properly investigate consumer disputes.\\nYour ongoing actions violate:\\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\\n- FCRA  1681s-2(b)  Requires reasonable investigation and correction upon notice of\\ndispute.\\nYou are knowingly furnishing false information to Experian, XXXX XXXX XXXX by\\nreporting this business obligation as my personal debt, without evidence of personal\\nliability. This constitutes willful noncompliance, exposing you to liability for actual,\\nstatutory, and punitive damages under 15 U.S.C.  1681n and  1681o.\\nAccordingly, you are hereby directed to:\\n1. Immediately cease all consumer reporting of this account under my personal credit file;\\n2. Submit deletion requests to all CRAs (Experian, XXXX XXXX);\\n3. Provide written confirmation that the tradeline has been deleted; and\\n4. Cease all future reporting of this account as a personal debt.\\nIf you fail to comply within 15 days of this notice, I will pursue all legal remedies available to\\nme  including filing suit in federal court.\\nYou are now on legal notice.\\nSincerely,\\XXXX XXXX XXXXAuthorized Representative, XXXX XXXX XXXX XXXX(No Personal Guaranty)\\nEnclosures:\\n- Retail Installment Contract (LLC obligor only)\\n- Government-issued ID and proof of address\\n- Prior dispute letters and communications'","date_sent_to_company":"2025-11-02T06:09:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"16977584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-02T06:08:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that <em>remain</em> unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable <em>under</em> 611(a)(5)(A). These are new, unresolved issues, not <em>previously</em> addressed by XXXX  generic explanation."]},"sort":[12.040044,"16977584"]},{"_index":"complaint-public-v1","_id":"16977583","_score":12.039618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXTHIS VALIDATED REGISTRATION CARD OR A FACSIMILE COPY IS TO BE KEPT WITH THE\\nVEHICLE FOR WHICH IT IS ISSUED. THIS REQUIREMENT DOES NOT APPLY WHEN THE\\nVEHICLE IS LEFT UNATTENDED. IT NEED NOT BE DISPLAYED. PRESENT IT TO ANY PEACE\\nOFFICER UPON DEMAND. IF YOU DO NOT RECEIVE A RENEWAL NOTICE, USE THIS FORM\\nTO PAY YOUR RENEWAL FEES OR NOTIFY THE DEPARTMENT OF MOTOR VEHICLES OF THE\\nPLANNED NON-OPERATIONAL STATUS (PNO) OF A STORED VEHICLE. RENEWAL FEES MUST\\nBE PAID ON OR BEFORE THE REGISTRATION EXPIRATION DATE OR PENALTIES WILL BE\\nDUE PURSUANT TO CALIFORNIA VEHICLE CODE SECTIONS 9552 - 9554.\\nEVIDENCE OF LIABILITY INSURANCE FROM YOUR INSURANCE COMPANY MUST BE PROVIDED\\nTO THE DEPARTMENT WITH THE PAYMENT OF RENEWAL FEES. EVIDENCE OF LIABILITY\\nINSURANCE IS NOT REQUIRED WITH REGISTRATION RENEWAL OF OFF-HIGHWAY VEHICLES,\\nTRAILERS, VESSELS, OR IF YOU FILE A PNO ON THE VEHICLE.\\nWHEN WRITING TO DMV, ALWAYS GIVE YOUR FULL NAME, PRESENT ADDRESS, AND TH\\nVEHICLE MAKE, LICENSE, AND IDENTIFICATION NUMBERS.XXXX  DO NOT DETACH - REGISTERED OWNER INFORMATION\\nREGISTRATION CARD VALID FROM: XXXX TO: XXXXXXXXMAKE YR MODEL YR 1ST SOLD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot a duplicate  please reopen/escalate. This filing supplements and escalates my prior complaint #XXXX and is not a duplicate. The companys verification still fails to establish that I ever agreed to be personally liable. XXXX XXXX XXXX XXXX XXXX continues furnishing a commercial/XXXX  obligation as a personal consumer tradeline, without producing a signed retail installment contract or personal guaranty from me.\\XXXXQuick verdict: This is not verification of personal liability.XXXX packet consists of: (a) a payment-delinquency table to me, (b) a California Cure Notice to me, (c) a Notice of Plan to Sell addressed to XXXX XXXX XXXX XXXX (listing me only as an interested party), and (d) an Auction Breakdown addressed to me. None of these documents includes a signed contract or personal guaranty bearing my signature that would authorize reporting this as my consumer debt. That fails the standard for verifying a tradeline that can lawfully appear on my personal credit file.XXXXWhy its legally insufficient (core points):XXXXNo signed contract/guaranty  unverifiable as my personal obligation. If the item cannot be verified, the CRAs must delete under FCRA 611(a)(5)(A); and after my dispute, the furnisher must conduct a reasonable investigation and correct/delete under FCRA 623(b) (15 U.S.C. 1681i, 1681s-2(b)).\\n\\nParty-of-record mismatch. XXXX  own sale notice is directed to XXXX XXXX XXXX XXXX (the business entity), not to me personally. Their deficiency accounting letter shows a claimed balance but still does not establish that I am personally liable. Furnishing this as my consumer debt is inaccurate.\\XXXXnMetro 2 accuracy concerns. If the bureaus are showing Charge-Off and a Past-Due amount at the same time, that is typically inconsistent with Metro 2 post-charge-off reporting (post charge-off, Amount Past Due is generally $XXXX, while a charged-off balance may remain). I also request the DOFD (Date of First Delinquency) be confirmed and corrected, as it is required for the 7-year obsolescence period.\\XXXXWhat XXXX  actually sent as verification.\\nOnly notices and an auction/deficiency breakdownno document with my signature agreeing to personal liability. This does not verify the tradeline as legally reportable to my consumer file.XXXXWhy this is not a duplicate complaint.\\nMy prior complaint challenged XXXX XXXX accuracy and reinvestigation. This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that remain unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable under 611(a)(5)(A). These are new, unresolved issues, not previously addressed by XXXX  generic explanation.XXXXRequested CFPB action (escalation):XXXXPlease escalate and require XXXX  XXXX  to either:XXXXProduce the original signed retail installment contract and/or personal guaranty showing I agreed to be personally liable (not just XXXX  notices); and provide the repo/sale documentation establishing compliance; or\\n\\nCease furnishing this account to the CRAs as my personal consumer debt and send deletion updates to XXXX, Equifax, and XXXX; provide written confirmation; and ensure the CRAs supply a 611(a)(7) Method of Verification if they intend to keep the tradeline.\\n\\nBecause the company has not produced the required verifying documents tying me personally to this debt, the item is unverifiable under the FCRA and must be deleted.\\n\\nStatutes invoked: FCRA 607(b) (accuracy), 609(a)(2) (sources of information), 611(a) and 611(a)(5) (reinvestigation & deletion if unverifiable), 611(a)(7) (method of verification), and 623(a)(1), 623(b) (furnisher duties).\\n\\n3) What would be a fair resolution? (paste this)\\n\\nRequire XXXX XXXX to produce the signed personal guaranty/contract that authorizes reporting to my consumer file; if they cannot, require immediate deletion of the tradeline as unverifiable under 611(a)(5)(A).\\n\\nRequire XXXX XXXX to cease furnishing this account as my personal consumer debt and send deletion confirmations to XXXX, Equifax, and XXXXnRequire the CRAs to provide the 611(a)(7) Method of Verification and to correct Metro 2 fields, including removing any Amount Past Due after charge-off and confirming the DOFD used for obsolescence.\\n\\nWritten confirmation to me of all corrections/deletions.\\n\\n4) Attachments (upload these)\\n\\nBMW verification packet (file name: motor.pdf) showing only notices and auction breakdown, no signed guaranty/contract.XXXX XXXX XXXX XXXX XXXX XXXXNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\XXXXDMV registration showing the XXXXMost recent XXXX/Equifax/XXXX  report pages showing how the tradeline is displayed (status, balance, Amount Past Due, DOFD).\\n\\nPrior CFPB complaint confirmation for #XXXX (for non-duplicate context).\\n\\nGovernment ID and proof of address.\\n\\n\\nLIENHOLDER\\XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Credit Reporting/Consumer RelationsXXXX XXXX XXXX XXXX XXXXRE: FINAL DEMAND  ILLEGAL REPORTING OF COMMERCIAL DEBT AS PERSONAL\\nOBLIGATION\\nTo Whom It May Concern:\\nThis letter serves as your FINAL DEMAND for immediate action regarding the continued and\\nunlawful reporting of a commercial debt as my personal consumer obligation.\\nThe account in question involves a XXXX XXXX XXXX XXXX financed under a Retail\\nInstallment Contract dated XXXX XXXX XXXX. That contract was executed solely by XXXX XXXX XXXX, and I signed it exclusively as an Authorized Representative of the XXXX. I have\\nnever agreed to be personally liable, nor have you produced any legally valid documentation\\nshowing otherwise.\\nDespite multiple dispute letters, you have failed to provide proof of a personal guaranty,\\ninstead submitting unrelated documents such as ledgers and repossession paperwork. You\\nhave not met your burden under the Fair Credit Reporting Act (FCRA) to report only\\naccurate information and to properly investigate consumer disputes.\\nYour ongoing actions violate:\\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\\n- FCRA  1681s-2(b)  Requires reasonable investigation and correction upon notice of\\ndispute.\\nYou are knowingly furnishing false information to XXXX, Equifax, and XXXX  by\\nreporting this business obligation as my personal debt, without evidence of personal\\nliability. This constitutes willful noncompliance, exposing you to liability for actual,\\nstatutory, and punitive damages under 15 U.S.C.  1681n and  1681o.\\nAccordingly, you are hereby directed to:\\n1. Immediately cease all consumer reporting of this account under my personal credit file;\\n2. Submit deletion requests to all CRAs (XXXX, Equifax, XXXX);\\n3. Provide written confirmation that the tradeline has been deleted; and\\n4. Cease all future reporting of this account as a personal debt.\\nIf you fail to comply within 15 days of this notice, I will pursue all legal remedies available to\\nme  including filing suit in federal court.\\nYou are now on legal notice.\\nSincerely,XXXX XXXX XXXXAuthorized Representative, XXXX XXXX XXXX XXXXNo Personal Guaranty)\\nEnclosures:\\n- Retail Installment Contract (LLC obligor only)\\n- Government-issued ID and proof of address\\n- Prior dispute letters and communications'","date_sent_to_company":"2025-11-02T06:09:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"16977583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-02T06:08:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You\\nhave not met your burden <em>under</em> the Fair Credit Reporting Act (FCRA) to report only\\naccurate information and to properly <em>investigate</em> consumer disputes.\\nYour ongoing actions violate:\\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\\n- FCRA  1681s-2(b)  Requires reasonable <em>investigation</em> and correction upon notice of\\ndispute."]},"sort":[12.039618,"16977583"]},{"_index":"complaint-public-v1","_id":"10391880","_score":8.45146,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Flagship Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Fraud Report number : XXXX Settlement Demand : Due to your actions, the Plaintiff is requesting a settlement payment of {$46000.00} to be issued via check and mailed to the address listed below. This proposal is intended to resolve this matter amicably and avoid litigation, remaining valid for a period of 14 days from the Effective Date. I assert that this amount is justifiable, considering the severity of the violations that have occurred over the past XXXX years. \n\n\" Predatory lending '' is a term typically used to describe unconscionable lending practices where a borrower is provided with an unfair loan. The Office of the Comptroller of the Currency ( OCC ), which regulates and supervises all national banks and federal savings associations, has described predatory lending as the disregard of basic principles of loan underwriting.\n\nTILA lists several disclosures that must be provided to the borrower, and if the creditor doesn't do so, it will be liable to pay damages in an amount equal to the sum of the following : any actual damages sustained by a person as a result of the failure, and statutory damages ( limited to twice the finance charge, but not less than {$400.00} and not more than {$4000.00} ).\n\n( 15 U.S.C. 1640 [ a ] [ 1 ], [ 2 ] ).\n\nI am writing to formally address a violation of the Truth in Lending Act ( TILA ) related to my account and to articulate and express the severe damages this situation has caused in my life. This has led to difficulties in managing my monthly budget and fulfilling other essential obligations. \nEmotional Distress : The stress and XXXX caused by navigating this situation have severely affected my mental well-being. I have found myself preoccupied with financial concerns, which has impacted my personal relationships and overall quality of life. \n\nLoss of Opportunities : Due to the unexpected financial burdens imposed by the violation, I have missed out on investments, loans for other purposes, or necessary purchases to provide for my home, which has further compounded my distress. This breach not only caused immediate monetary losses but also severely impacted my creditworthiness, leading to increased difficulty in obtaining future financing and higher interest rates on subsequent loans. The culmination of these actions has caused significant emotional distress and financial instability, forcing me to reevaluate my long-term financial plans. \nThe CFPB, which was created by the Dodd-Frank Act, has broad regulatory and enforcement authority over entities offering consumer financial services or products, including non-bank commercial companies in the business of extending credit and servicing consumer loan. The CFPB is authorized to write regulations under federal consumer financial protection laws, including those prohibiting unfair, deceptive or abusive acts or practices ( UDAAP ), and to examine certain financial institutions for compliance with such laws. \nThe CFPB can remediate violations of consumer protection laws in a number of ways, including imposing civil money penalties and requiring institutions to provide customer restitution and to improve their compliance management systems. \n\n16 CFR 433.2-ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF.\n\nRECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\n\nUpon reviewing my contract, I note that under the Arbitration Provision, it states : \" Neither you nor we waive the right to arbitrate by utilizing self-help remedies, such as repossession, or by initiating legal action to recover the vehicle, to pursue a deficiency balance, or for individual injunctive relief. '' The repossession of this vehicle was conducted without the requisite arbitration, constituting a breach of your contractual obligations. I hereby request an Asset Representation Review for this account. I maintain a security interest in this purchase money loan/retail installment contract, and I have not received my proceeds. The application serves as the Security Collateral, thereby designating this contract as an Asset-Backed Security. \nI respectfully assert as a Stockholder/Investor in your company that I have diligently fulfilled my obligations regarding this account since its inception. However, I have inadvertently been tendering debt notes ( FRNs ) to offset this account, as another negotiable instrument or debt instrument can not properly settle this balance. My actions have been made under conditions of misrepresentation, and I am formally requesting a refund. \n\nLawful money is currency issued by the United States Treasury, such as gold and silver coins, Treasury notes, and Treasury bonds. The Federal Reserve Act of XXXX, which established the Federal Reserve System and authorizes it to issue Federal Reserve notes, states that [ Federal Reserve notes ] shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve bank. \n\nI hereby rescind the security interest related to Flagship Credit Acceptance LLC and XXXX of XXXX XXXX for all fiscal years and reporting periods. Furthermore, I am revoking the XXXX XXXX XXXX dealership and Flagship Credit Acceptance as beneficiaries of my XXXX XXXX and XXXX XXXX insurance. With respect to Page XXXX of the Retail Installment Contract : XXXX XXXX XXXX Notice Claim Procedure, I formally revoke Flagship Credit Acceptance and XXXX XXXX XXXX XXXX XXXX as beneficiaries of my XXXX XXXX and XXXX XXXX insurance. \nXXXX Elements Of A Contract : -Offer -Acceptance -Consideration, -Intention to create legal relations. \n\nThe absence of valid consideration can lead to a claim of breach, as XXXX party may not fulfill their contractual obligations.\n\nI have attached and highlighted key sections within your company 's SEC Filing Prospectus that require your attention and resolution. \n\nPrevious Court Case With Your Corporation Violating ECOA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX Civil Action XXXX XXXX. SECURITIES ACCOUNT ; ACQUISITION OF SECURITY ENTITLEMENT FROM SECURITIES INTERMEDIARY. \nXXXX XXXX XXXX XXXX  Equity Interests shall mean, with respect to any Person, its equity ownership interests, its common stock and any other capital stock or other equity ownership units of such Person authorized from time to time, and any other shares, options, interests, participations or other equivalents ( however designated ) of or in such Person, whether voting or nonvoting, including common stock, options, warrants, preferred stock, phantom stock, membership units ( common or preferred ), stock appreciation rights, membership unit appreciation rights, convertible notes or debentures, stock purchase rights, membership unit purchase rights and all securities convertible, exercisable or exchangeable, in whole or in part, into any XXXX or more of the foregoing. \n\n\nADDRESSING FLAGSHIP CREDIT ACCEPTANCE LLC CORRESPONDENCE She also stated Flagship failed to cancel her debt using an IRS Form 1099-C she previously sent us, that Flagship has not sent her any proceeds for using her securities, and she cited multiple other legal theories for why she believes she does not owe Flagship under her contract.\n\n1.- In my previous correspondence, I indicated that Flagship Credit Acceptance has not issued a 1099-C form. I formally requested this documentation from your financial institution but have yet to receive it.\n\n-Page 3, Section 2 Contract- Your Promise To Us : This secures payment of all you owe on this contract. It also secures all other agreements in this contract as the law allows.\n\nSo please in writing explain how I owe FlagShip Credit Acceptance LLC? When The Application Is The Security Collateral - 31 CFR 202.6 - Collateral security.\n\n2. We responded to them all and included the relevant validation information, and we advised that our reporting is accurate. \n-I acknowledge your response regarding the claims related to the reporting on my consumer report, and I appreciate the removal of said reporting. I have also contacted the number you provided, and I was informed that LaQuesa would return my call ; however, I have yet to receive any follow-up. Additionally, there has been no response or resolution regarding my claims of security fraud, tax fraud, deceptive lending practices, the security interest associated with this account, or the principal balance. \nI, Herbey accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct CFO XXXX XXXX XXXX to apply Principals Balance to Principal Account # XXXX. \n\nWhat Does the Security Law Regulate?\n\nThe securities law provides the rules by which business owners and governmental bodies can raise money for their organizations by selling stocks and bonds to investors. The Securities Act of XXXX regulates the offer and sale of securities in the United States. If an investor buys a security ( stock or bond ), he has a right to a share of the company 's profits. \nThe Securities and Exchange Commission ( SEC ) enforces the laws and regulations under this act and investigates violations. \nThere are XXXX categories of behavior related to executing an illegal scheme : defraud somebody in connection with commodities, options, or securities transactions ; obtain money by false pretenses, representations, or promises related with a commodity or securities transaction. \nInsider trading is the trading of a companys securities by individuals with access to confidential or material nonpublic information about the company. Taking advantage of this privileged access is considered a breach of the individuals fiduciary duty. \nIn light of recent developments, If necessary, I will pursue legal action for Tax & Security Fraud. Moving forward, my estate will assume responsibility for this account/XXXX. Should this matter remain unresolved by the CFPB, I will escalate my complaint to the OCC, and subsequently, I will report/whistle blow to the Securities and Exchange Commission if this situation is not addressed in a legally compliant manner outside of the court system. \n\nMailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-22T17:39:27.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"23607","tags":null,"has_narrative":true,"complaint_id":"10391880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-10-09T16:02:52.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["The securities law provides the rules by which business <em>owners</em> and governmental bodies can raise money for their organizations by selling stocks and bonds to investors. The Securities Act of XXXX regulates the offer and sale of securities in the United States. If an investor buys a security ( stock or bond ), he has a right to a share of the company 's profits. \nThe Securities and Exchange Commission ( SEC ) enforces the laws and regulations <em>under</em> this act and <em>investigates</em> violations."],"product":["<em>Vehicle</em> loan or lease"],"sub_issue":["Loan balance remaining after the <em>vehicle</em> is repossessed and sold"]},"sort":[8.45146,"10391880"]},{"_index":"complaint-public-v1","_id":"10486998","_score":6.1162972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : NOTICE OF INTENT TO SUE ; Formal Demand for Full Account Disclosure and Ledger Transparency, Certified Verification of Alleged Debt, Cease and Desist Any and All Consumer Reporting in Perpetuity of the Inaccuracy and Incompleteness of Account Ending : XXXX to Any and All Consumer Reporting Agencies Dear Sir/Madam : I write to you with grave concern regarding the continued and deliberate failure of Wells Fargo XXXX XXXX XXXX XXXX XXXX to address the serious matters I have raised in previous correspondence. XXXX  silence and refusal to engage with these substantive issues constitute a breach of good faith, trust and transparency, fundamental principles that should guide any reputable financial institution. \n\nDespite my repeated demands, XXXX has failed to provide a true and accurate bill, nor has XXXX disclosed the full journal, XXXX, double-entry bookkeeping of the general account ledger or provided the XXXX  number ( s ) associated with the account. As the master beneficiary and registered owner of this account, I have an unequivocal right to inspect the demanded records, including all underlying accounting information, to verify that the financial statements and ledgers related to my account are accurate, balanced, and free from errors or discrepancies. It is deeply troubling that this lawful demand continues to be ignored, raising serious questions about XXXX  commitment to transparency. \n\nInstead of complying with these reasonable and lawful demands, XXXX has persisted in sending generic, computer-generated stall letters that provide no meaningful response. I must ask : why does XXXX consistently refuse to have a qualified individuala man or woman who can swear under oath or by affidavit under penalty of perjurycertify that there is a legitimate debt owed on this account, along with substantiating documentation of the balance claimed to be due? The lack of an appropriate response raises significant concerns about whether XXXX is acting with transparency and integrity, or whether it is, in fact, engaged in conduct designed to deceive. \n\nXXXX  continued failure to provide the demanded records, in accordance with Generally Accepted Accounting Principles ( GAAP ) and pursuant to U.C.C. 9-210, suggests either a deliberate refusal to comply or an inability to substantiate the claims being made against me. This lack of transparency and apparent unwillingness to act in good faith strongly suggests malicious intent and fraud by deception. \n\nLet this letter serve as formal notice that if XXXX continues to act in dishonor and refuses to provide the full records and entries of accounting, along with XXXX  number ( XXXX ) as demanded, certified and signed under seal by an authorized agent or representative, under penalty of perjury, I will have no choice but to pursue all available legal remedies which will compel XXXX to produce said documents and proof of claim in a court of law. XXXX  refusal to provide these documents and to engage in transparent, good faith dealings has caused, and continues to cause me significant harm, injury and damages. I will not hesitate to hold XXXX  accountable in a court of law and seek redress. \n\nFurthermore, in response to XXXX  recent communication via XXXX XXXX XXXX dated XX/XX/XXXX concerning the alleged debt associated with the above-referenced account XXXX  claims to have in fact, confirmed to be validated with absolutely no verifiable evidence or proof to substantiate XXXX  position or claim. I would like to formally dispute the validity of the alleged debt and XXXX  use of billing statements as sufficient evidence of the alleged amount claimed to be owed. \n\nIt has been well-established in numerous court decisions that mere credit card billing statements do not constitute valid or sufficient evidence of a debt owed. In particular, courts have ruled that billing statements alone fail to meet the burden of proof required to substantiate the existence or amount of a debt. The following cases support this position : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The XXXX  Supreme Court held that credit card billing statements alone were insufficient to prove a debt. The court emphasized the need for the creditor to present a signed credit agreement or evidence of the underlying contract. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that billing statements were not enough to establish a valid debt, especially without a signed contract or other evidence proving that the defendant had agreed to the terms of the debt. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court found that credit card statements were insufficient to prove a debt existed without documentation showing the defendants consent to the credit agreement. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reaffirmed that billing statements without further documentation, such as a signed agreement, are inadequate to establish the validity of a debt claim. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that credit card billing statements alone did not establish the terms of the credit agreement or the debtors responsibility to pay under those terms. \nGiven the legal precedent established in the above cases, I respectfully demand that XXXX provide valid and sufficient evidence to substantiate the alleged debt, including but not limited to : A copy of the original signed credit agreement, and certified documentation of the proof of funds that created the money/credit on account ( credit/trade line ) . \nCertified documentation showing a lawful binding contract between both parties with certified authorization and wet ink signatures of the parties agreeing to the terms and conditions governing the account. \nCertified documentation of the XXXX  number ( XXXX ) associated with the account ending in XXXX. \nThe 1099-OID that confirms XXXX  to be the original issuer of the funds and/or credit and me to be the recipient of the funds and/or credit. \nThe 1099-C or any other tax forms, that XXXX has reported, or is failing to report the account as a charge-off but not reporting the taxes to the Internal Revenue Service of the interest and income XXXX  is collecting. \nAny and all UCC-1, UCC-3 filings confirming who the Debtor and who the Secured Party are in the matter of the account in question.\n\nAny and all documents by and between XXXX and the Federal Reserve Discount Window for any and all application ( s ) for notes in accordance with Federal Reserve Act Section 16 ( 2 ) - Application for notes by Federal Reserve banks pertaining to the account in question.\n\nCertified documentation in accordance with Generally Accepted Accounting Principles ( GAAP ) and pursuant to U.C.C. 9-210 of the journal, T-balance, double-entry bookkeeping records of the general accounting ledger ( s ) showing all records and evidence of accounts payable, accounts receivables, debit and credit entries.\n\nPlease note that I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, which require that you cease any and all collection and reporting activities until such evidence is provided.\n\nWith that in mind, I also want to point out that the consumer information ( trade line ) being reported by XXXX as the responsible data furnisher to the Consumer Reporting Agencies is not being accurately reported and is causing me harm, damage and injury by not being able to acquire goods and services needed for personal, family and household use/purposes. Upon WCFs abrupt and unwarranted closure of the account ( trade line ), the now closed account ( trade line ) is still reporting an alleged remaining balance of {$6800.00} that XXXX Charged-Off and is being adversely reported on my credit report as a Charged-Off account. \n\nAs you are aware, XXXX, as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099-C Cancellation of Debt for the remaining debt obligation not recovered from defaulted credit cards. From speaking with both Certified Public Accountants and the IRS directly, regarding tax obligations, such an IRS form is then reported as INCOME and not as a DEBT on a consumer 's tax filing requirements. While the business can cancel/write-off the account receivable as a BAD DEBT and receive a tax deduction as mentioned in the IRS Topic 453. \n\nThis current issue of XXXX  furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of exclusions per 15 U.S.C. 1681a ( d ), ( d ) ( 2 ) ( A ) ( i ), ( ii ), ( iii ) of reports containing information solely as to transactions or experiences between the consumer and the person making the report. This inaccurate information as to what the IRS Publication 4681 defines as Income and not Debt is being furnished to third party data furnishers as well. \n\nPerhaps this is a small oversight that XXXX is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, XXXX, XXXX, etc to remove this inaccurate derogatory account from my credit profile since the DEBT has been canceled and reported as INCOME as well as to stop the current harm, injury and damage so that I can continue to prosper in my journey of Life, Liberty and Pursuit of Happiness, the fundamentally protected rights guarded and guaranteed by the Declaration of Independence and Constitutions Bill of Rights, the bedrock and cornerstones of this great nation. \n\nIf for some reason, this is not the correct understanding of the exclusions part in the construction of a consumers credit report with accurate information and the correct IRS reporting of a Debt charged-off and reported as Income, I would appreciate XXXX letting me know, with accurate supporting details, so that I can be a better informed consumer and honest taxpayer. \n\nFurthermore, upon the transfer and securitization of the credit card receivables ( asset-backed security ), the issuer, XXXX ceases to be the holder in due course, relinquishing its legal standing to enforce payment from the account holder. This is because, through the securitization process, the issuer, XXXX, conveys and transfers its rights, titles, and interest in the accounts receivable to the trust or Special Purpose Vehicle ( SPV ), which now holds the legal claim to those assets. \n\nConsequently, any attempt by the issuer, XXXX, to enforce payment directly from the account holder would be unlawful and a misrepresentation, as the issuer, XXXX no longer possesses the accounts receivable ( asset-back security ) and has waived all of its rights associated with them upon their transfer. This transfer removes the issuers, XXXX, authority to claim or collect on the debt, rendering any further attempts to do so without proper legal standing. \n\nPlease be advised that, due to XXXX  failure to properly report the income associated with the charge-off of my account and XXXX  failure to issue a Form 1099-C, I will be forced to notify and instruct the IRS to conduct an audit of this account. It appears that XXXX has not fulfilled its obligation to report the cancellation of debt as income to both myself and the IRS, which has prevented me from appropriately accounting for the tax liability related to this unreported income. This lack of proper reporting is a serious matter, and I am taking steps to ensure that it is fully investigated and that all parties comply with their legal responsibilities regarding the accurate reporting of canceled debts. \n\nThis notice constitutes XXXX 's final opportunity to provide the demanded documentation within fifteen ( XXXX ) days of the date of this notice. Failure to comply will result in the immediate initiation of legal action. The preponderance of evidence indicating fraud and theft by deception, carried out with malicious intent to harm, damage, and injure, is now apparent. Should legal proceedings become necessary, this evidence will be presented as admissible proof of XXXX  actions.","date_sent_to_company":"2024-10-17T20:41:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10486998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-17T20:31:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This is because, through the securitization process, the issuer, XXXX, conveys and transfers its rights, titles, and interest in the accounts receivable to the trust or Special Purpose <em>Vehicle</em> ( SPV ), which now holds the legal claim to those assets."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"]},"sort":[6.1162972,"10486998"]},{"_index":"complaint-public-v1","_id":"10487804","_score":5.561557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : NOTICE OF INTENT TO SUE : Formal Demand for Full Account Disclosure and Ledger Transparency, Certified Verification of Alleged Debt, Cease and Desist any and all Consumer Reporting in Perpetuity of the Inaccuracy and Incompleteness of Accounts Ending : XXXX and XXXX to any and all Consumer Reporting Agencies Dear Sir/Madam : I write to you with grave concern regarding the continued and deliberate failure of Toyota Financial Services ( TFS ) and Toyota Motor Credit Corporation ( TMCC ) to address the serious matters I have raised in previous correspondence. Both TFS and TMCCs silence and refusal to engage with these substantive issues constitute a breach of good faith, trust and transparency, fundamental principles that should guide any reputable financial institution. \n\nDespite my repeated demands, TFS and TMCC have equally failed to provide a true and accurate bill, nor has TFS or TMCC disclosed the full journal, T-balance, double-entry bookkeeping of the general account ledger, managerial accounting, or have provided the XXXX  number ( s ) associated with the account ( s ). As the master beneficiary and registered owner of the accounts, I have an unequivocal right to inspect the demanded records, including all underlying accounting information, to verify that the financial statements and ledgers related to my accounts are accurate, balanced, and free from errors or discrepancies. It is deeply troubling that this lawful demand continues to be ignored, raising serious questions about TFS and TMCCs commitment to transparency. \n\nInstead of complying with these reasonable and lawful demands, TFS and TMCC have persisted in sending generic, computer-generated stall letters that provide no meaningful response. I must ask : why does TFS and TMCC consistently refuse to have a qualified individuala man or woman, who can swear under oath or by affidavit under penalty of perjurycertify that there is a legitimate debt owed on the account ( s ), along with substantiating documentation of the balance claimed to be due? The lack of an appropriate response raises significant concerns about whether TFS and TMCC are acting with transparency and integrity, or whether they are, in fact, engaged in conduct designed to deceive. \n\nTFS and TMCCs continued failure to provide the demanded records, in accordance with Generally Accepted Accounting Principles ( GAAP ) and pursuant to U.C.C. 9-210, suggests either a deliberate refusal to comply or an inability to substantiate the claims being made against me. This lack of transparency and apparent unwillingness to act in good faith strongly suggests malicious intent and fraud by deception. \n\nLet this letter serve as formal notice that if TFS and TMCC continue to act in dishonor and refuse to provide the full records and entries of accounting, along with XXXX  number ( s ) as demanded, certified and signed under seal by an authorized agent or representative, under penalty of perjury, I will have no choice but to pursue all available legal remedies which will compel TFS and TMCC to produce said documents and proof of claim in a court of law. TFS and TMCCs refusal to provide these documents and to engage in transparent, good faith dealings has caused, and continues to cause me significant harm, injury and damages. I will not hesitate to hold TFS and TMCC accountable in a court of law and seek redress. \n\nFurthermore, in response to TFS and TMCCs recent communication dated XX/XX/XXXX concerning the alleged balance and debt associated with the above-referenced account TFS and TMCC claim to have in fact, confirmed to be validated with absolutely no verifiable evidence or proof to substantiate TFS or TMCCs position or claim. I would like to formally dispute the validity of the alleged debt and TFS and TMCCs use of billing statements as sufficient evidence of the alleged amount claimed to be owed. \n\nIt has been well-established in numerous court decisions that mere credit card billing statements do not constitute valid or sufficient evidence of a debt owed. In particular, courts have ruled that billing statements alone fail to meet the burden of proof required to substantiate the existence or amount of a debt. The following cases support this position : Lack of Foundational Evidence : Courts have often ruled that billing statements are inadmissible unless they are accompanied by testimony or evidence establishing that the records are kept in the ordinary course of business and accurately reflect the amounts owed. This requirement is often discussed in cases that involve the XXXX XXXX XXXX to the hearsay rule ( Federal Rule of Evidence 803 ( 6 ) ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The court ruled that billing statements were not enough to establish a valid debt, especially without a signed contract or other evidence proving that the defendant had agreed to the terms of the debt. \nXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that billing statements alone were insufficient to establish the validity of the debt. The court required a showing of the original contract and other evidence to substantiate the claim. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reaffirmed that billing statements without further documentation, such as a signed agreement, are inadequate to establish the validity of a debt claim. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case highlights that debt collectors must provide more than mere billing statements to substantiate their claim. They need to provide proper documentation of the debt, such as the original agreement and the chain of title if the debt has been sold. \nGiven the legal precedent established in the above cases, I respectfully demand that TFS and TMCC provide valid and sufficient evidence to substantiate the alleged debt, including but not limited to : A copy of the original signed retail installment sales contracts, and certified documentation of the proof of funds that created the money/credit on account ( credit/trade line ) . \nCertified documentation showing a lawful binding contract between both parties with certified authorization and wet ink signatures of the parties agreeing to the terms and conditions governing the accounts. \nCertified documentation of the XXXX  number ( s ) associated with the account ending in XXXX and XXXX. \nThe 1099-OID that confirms TFS and TMCC to be the original issuer of the funds and/or credit and me to be the recipient of the funds and/or credit. \nThe 1099-C or any other tax forms, that TFS and TMCC have reported, or is failing to report the account as a charge-off but not reporting the taxes to the Internal Revenue Service of the interest and income TFS and TMCC is collecting. \nAny and all UCC-1, UCC-3 filings confirming who the Debtor and who the Secured Party are in the matter of the accounts in question. \nAny and all documents by and between TFS and TMCC and the XXXX XXXX XXXX XXXX for any and all application ( s ) for notes in accordance with Federal Reserve Act Section 16 ( 2 ) - Application for notes by Federal Reserve banks pertaining to the account in question. \nCertified documentation in accordance with Generally Accepted Accounting Principles ( GAAP ) and pursuant to U.C.C. 9-210 of the journal, T-balance, double-entry bookkeeping records of the general accounting ledger ( s ) showing all records and evidence of accounts payable, accounts receivables, debit and credit entries. \n\nPlease note that I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, which require that you cease any and all collection and reporting activities until such evidence is provided. \nWith that in mind, I also want to point out that the consumer information ( trade line ) being reported by TFS and TMCC as the responsible data furnisher to the Consumer Reporting Agencies is not being accurately reported and is causing me harm, injury and damage by not being able to acquire goods and services needed for personal, family and household use/purposes. Upon TFS and TMCCs abrupt and unwarranted closure of the accounts ( trade lines ), the now closed account ( trade line ) is still reporting an alleged remaining balance of {$4400.00} that TFS and TMCC Charged-Off and is being adversely reported on my credit report as a Charged-Off account. \n\nAs you are aware, TFS and TMCC, as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099-C Cancellation of Debt for the remaining debt obligation not recovered from defaulted trade lines. From speaking with both Certified Public Accountants and the IRS directly, regarding tax obligations, such an IRS form is then reported as INCOME and not as a DEBT on a consumer 's tax filing requirements. While the business can cancel/write-off the account receivable as a BAD DEBT and receive a tax deduction as mentioned in the IRS Topic 453. \n\nThis current issue of TFS and TMCC furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of exclusions per 15 U.S.C. 1681a ( d ), ( d ) ( 2 ) ( A ) ( i ), ( ii ), ( iii ) of reports containing information solely as to transactions or experiences between the consumer and the person making the report. This inaccurate information as to what the IRS Publication 4681 defines as Income and not Debt is being furnished to third party data furnishers as well.\n\nPerhaps this is a small oversight that TFS and TMCC are not aware of and can address\nquickly at no cost by submitting a request to XXXX, XXXX, XXXX, XXXX, etc to remove these inaccurate derogatory accounts from my credit profile since the DEBT has been canceled and reported as INCOME as well as to stop the current harm, injury and damage so that I can continue to prosper in my journey of Life, Liberty and Pursuit of Happiness, the fundamentally protected rights guarded and guaranteed by the Declaration of Independence and Constitutions Bill of Rights, the bedrock and cornerstones of this great nation. \n\nIf for some reason, this is not the correct understanding of the exclusions part in the construction of a consumers credit report with accurate information and the correct IRS reporting of a Debt charged-off and reported as Income, I would appreciate TFS and TMCC letting me know, with accurate supporting details, so that I can be a better informed consumer and honest taxpayer. \n\nFurthermore, upon the transfer and securitization of the auto receivables ( asset-backed security ), the issuer, TFS and TMCC cease to be the holder in due course, relinquishing its legal standing to enforce payment from the account holder. This is because, through the securitization process, the issuer, TFS and TMCC, conveys and transfers its rights, titles, and interest in the accounts receivable to the trust or Special Purpose Vehicle ( SPV ), which now holds the legal claim to those assets. \n\nConsequently, any attempt by the issuer, TFS and TMCC, to enforce payment directly from the account holder would be unlawful and a misrepresentation, as the issuer, TFS and TMCC no longer possesses the accounts receivable ( asset-back security ) and has waived all of its rights associated with them upon their transfer. This transfer removes the issuers, TFS and TMCCs, authority to claim or collect on the debt, rendering any further attempts to do so without proper legal standing. \n\nPlease be advised that, due to TFS and TMCCs failure to properly report the income associated with the charge-off of my account and TFS and TMCCs failure to issue a Form 1099-C, I will be forced to notify and instruct the IRS to conduct an audit of the accounts. It appears that TFS and TMCC have not fulfilled their obligation to report the cancellation of debt as income to both myself and the IRS, which has prevented me from appropriately accounting for the tax liability related to this unreported income. This lack of proper reporting is a serious matter, and I am taking steps to ensure that it is fully investigated and that all parties comply with their legal responsibilities regarding the accurate reporting of canceled debts. \n\nThis notice constitutes TFS and TMCCs final opportunity to provide the demanded documentation within fifteen ( 15 ) days of the date of this notice. Failure to comply will result in the immediate initiation of legal action. The preponderance of evidence indicating fraud and theft by deception, carried out with malicious intent to harm, damage, and injure, is now apparent. Should legal proceedings become necessary, this evidence will be presented as admissible proof of TFS and TMCCs actions.","date_sent_to_company":"2024-10-17T20:25:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"10487804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-10-17T19:58:06.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I must ask : why does TFS and TMCC consistently refuse to have a qualified individuala man or woman, who can swear <em>under</em> oath or by affidavit <em>under</em> penalty of perjurycertify that there is a legitimate debt owed on the account ( s ), along with substantiating documentation of the balance claimed to be due?"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"]},"sort":[5.561557,"10487804"]},{"_index":"complaint-public-v1","_id":"2495835","_score":3.887448,"_source":{"product":"Debt collection","complaint_what_happened":"While it would probably be easier to reference which FCRA laws have not been violated, here is my story and plea for CFPB involvement.\nThis is a complaint, to enforce my rights in accordance with the FCRA, encompassing a multitude of ongoing fraudulent, deceptive and unfair practices pertaining to  a  XX/XX/XXXX  mor tgage default, currently underway in a second foreclosure suit. ( The first was voluntarily dismissed without prejudice by plaintiff  on   XX/XX/XXXX . ) While the violations have mounted over the years, the most recent and serious infractions involve the deliberate re-aging of this account on my credit report by Rushmore Loan Management ( RLM ), current servicer as of  XX/XX/XXXX  ; the Credit Reporting Agencys ( CRAs ) improper investigations and continual verification of falsified information ; as well as, the continued pursuit of foreclosure by current plaintiff,   XXXX   XXXX   XXXX  ., with complete disregard to the (  XXXX  )   XXXX   Debt Cancellation issued by   XXXX   XXXX   XXXX   (  XXXX  ), servicer until  XX/XX/XXXX  . As   a result, my credit score is once again tanked and Im now faced with re-serving sentence, double jeopardy if you will. Therefore, I urgently request CFPB involvement to seek relief, resolution, and, recovery of all monetary damages that I may be entitled to. Supportive documentation is attached as referenced.\n<P/>\n1. CANCELLATION OF DEBT  XXXX  By notice dated XX/XX/XXXX  ( Attachment 1 ),  XXXX  transferred servicing of the mortgage loan to RLM effec tive   XX/XX/XXXX , then continued involvement as attorney-in-fact for   XXXX   XXXX   XXXX  .\n<P/>   XXXX     XXXX   furnished two  XXXX  forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event  XX/XX/XXXX  ; debt description mortgage ; identifiable event code I ( Attachment 2 ). Each reported {$140000.00} separately ( to me and my ex-husband of 10 years ) to be reported as income on   XXXX   IRS tax reports.\n<P/>\nAs written in the updated   XXXX   IRS Publication 4681, 1. Canceled Debts, General Rules, Form  XXXX . Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid.\n<P/>\nIt further states under Identifiable Event Codes : Code I is used to identify an actual cancellation of debt that occurs before bankruptcy, other judicial debt relief, statute of limitations or expiration of deficiency period, foreclosure election, debt relief from probate or similar proceeding, by agreement, decision or policy to discontinue collection.\n<P/>\nMy attorney,   XXXX   XXXX   emailed Plaintiffs Attorney,   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), asking for confirmation of debt discharge, and, if Plaintiff would no longer be pursuing the foreclosure, with no response. ( Attachment 3 )  XX/XX/XXXX  My attorney filed a Request For Production Of Documents, and a Second Set of Interrogatories directly addressing the  XXXX s. To date, not only has plaintiffs attorney,  XXXX ,   XXXX   XXXX   XXXX   XXXX   (   XXXX    ), fai led to answer any related questions, they continue to pursue foreclosure of the full amount, without acknowledgement whatsoever, of the now cancelled debt. This, by any interpretation of the law, is a serious illegal and fraudulent violation of the FCRA.\n<P/>\n2. CREDIT REPORTING AND DISPUTES RE-AGED Account on Credit Reports, Improper Investigations, Falsified Verifications, Failure to Notify, Inaccurate Accounting After 10+ years of following the guidelines for credit recovery, including that provided on the websites of all   XXXX    nationwide CRAs, I just recently improved my credit score to a respectable  XXXX . On  XX/XX/XXXX , I replied to an offer of credit with   XXXX   XXXX   who I have a flawless 16 month relationship. I was blindsided by their immediate decline ( Attached # 4 ). Then responded to 5.9 % offer from  XXXX . Offer accepted, but instead, at 30.99 %. These raised a red flag prompting me to check my   XXXX    report  only to find that my updated score of   XXXX   on  XX/XX/XXXX ( reduced from  XXXX  due to purchase of a vehicle ) had dropped to  XXXX . ( Attachment 5 ) Its an atrocity that the CRAs and like companies are permitted to publish helpful consumer guidelines and give counseling for credit repair/recovery, only to be kicked back to   XXXX   gates if actually achieved. Ive initiated several disputes and have submitted prior credit reports with all   XXXX   CRAs to no avail. Instead, they continue to support RLMs false verification of accuracy. Willful, negligent re-aging and refusal of verifiable evidence to substantiate are in serious violation of the FCRA.\n<P/>\nRE-AGED ACCOUNT SUPPORTIVE FACT S   XX/XX/XXXX   XXXX  first reported this delinquent account to the   XXXX   major credit reporting agencies establishing Date of Last Payment ( DOLP )  XX/XX/XXXX  ; Date of First Delinquency ( DOFD )  XX/XX/XXXX  ; and, Estimated Date for Removal  XX/XX/XXXX . ( Attachments 6, 12, 13 )  XX/XX/XXXX  RLM intentionally RE-AGED this account on my credit reports by furnishing the CRAs, unsupported dollar amounts and newer delinquency dates ( DOLP )  XX/XX/XXXX  ; ( DOFD  )   XX/XX/XXXX  ( Attachment 7 ). Accordingly,  XXXX  reports a new estimated date for removal as  XX/XX/XXXX , while  XXXX  shows it will remain on record  until   XX/XX/XXXX .\n<P/>\nNotification of this significant adverse action was never provided by RLM, nor any CRA, at any time whatsoever.\n<P/>\nClearly, RLM has maliciously and craftily reworded the language of the now pending subsequent Complaint ( Attachment 11 ) to conjure an illusion of verifiable accuracy as follows : a. ) Complaint states, due and owingfrom and  after   XX/XX/XXXX .\nRLM furnished this date to the CRAs to reflect date of last payment  XX/XX/XXXX .\n<P/>\nb. ) Complaint states, by failing to pay the payment d ue   XX/XX/XXXX , and all subsequent payments.\nRLM furnished this date to the CRAs to reflect date of first delinquen cy   XX/XX/XXXX .\n<P/> XX/XX/XXXX   XX/XX/XXXX  I had attempted online disputes with all   XXXX    CRAs, but could not as they were all having technical difficulties. I then called each to dispute by phone.  XXXX  and  XXXX  both responded during the conversation that creditor had verified as accurate and the dispute was final. After spending weeks sorting through 12 year old boxes, I wrote each a dispute letter and assembled packages with plenty of documentation, concretely verifying that this account had been RE-AGED then sent by certified mail. ( Attachments 8-10 ) RLM HAS WILLFULLY AND MALICIOUSLY VIOLATED THE FCRA BY PURPOSELY AND ILLEGALLY RE-AGING THIS ACCOUNT, THEN VERIFYING THE FALSIFIED INFORMATION REPEATEDLY. Their monthly statements reflect a {$3600.00} loan mod charge for deferred interest. This was first charged by   XXXX   on  XX/XX/XXXX  statement, which should have been deleted since they illegally withdrew the loan mod and reallocated 1st payment. This is clear evidence they have the  XXXX  accounting records to verifying the original  XXXX  CRA reporting. ( Attachments 17 & 18 ) CRA NEGLIGENCE While all   XXXX    CRAs relayed virtually the same information, my phone conversation with  XXXX  lasted much longer due to the communication barrier. After continually asking the agent to repeat herself, I was transferred to a supervisor ( with a slightly less heavy accent ) who refused to investigate further for the simple reasons the account numbers are different, Rushmore is the client, not the consumer, and, she was under no obligation to pursue an investigation based on consumer provided information. She became loud and rude, then reluctantly asked if I wanted to start a full investigation. I confirmed but to this day, have yet to receive her forthcoming email.\n<P/>\nIn accordance with the FCRA, I then prepared dispute letters ( Attachments 8-10 ), attached previous credit reports ( Attachments 6,12,13 ) and other supportive documentation undeniably verifying that the negative information RLM furnished on  XX/XX/XXXX , was in fact, reported previously by   XXXX    from XX/XX/XXXX  XX/XX/XXXX . Sent by certified mail, the green card from   XXXX   returned blank. I had to trek back to post office and request a computer printout. To date, all   XXXX   CRAs have merely provided results that consumer has again verified as accurate ( Attachments 14-15 ). Clearly, a proper investigation was not conducted. The documents I provided, if reviewed, would have concretely proved otherwise. The prior credit reports by themselves should have deemed this immediately removable.\n<P/>\nIts inconceivable that a U. S. taxpaying consumer claiming to be unlawfully harmed, carries burden of proof, without recovery fees, submits undisputable evidence generated by the CRA, on CRA letterhead, and then is denied resolution by simple virtue of the creditors merit, while creditors can walk into courtrooms and win cases without ever producing notes.\n<P/>\nIn my written disputes, I had requested a full comprehensive consumer disclosure of my file, and, a full investigation. None have complied as such, just that updates were made if deemed necessary.\n<P/>\nThe negative impact of this illegal re-aging has unfairly caused tremendous turmoil in nearly every aspect of my life.\n<P/>\nACCOUNTING The amounts furnished by RLM for outstanding balances, fees, expenses, and advances are escalated, unreasonable and rarely the same on most of the documents and statements produced. A complete historical account breakdown was requested through discovery, however RLM has yet to provide anything other than RLMs monthly statement. Most likely due to the   XXXX   they refuse to acknowledge.\n<P/>\n XX/XX/XXXX   Rece ived an updated mortgage statement reflecting an increased balance due to RLM with no adjustment for the charged off amounts. ( Attachment 17 ). It also references a deferred balance of {$3600.00} as amount of principal deferred as part of the terms of a loan modification. This is the same amount found on   XXXX   statement dat ed   XX/XX/XXXX  ( Attachment 18 ) first reported as unpaid interest as a result of a loan mod they approved, then immediately withdrew after they tricked me into a payment shortage. And, I can only assume that the plethora of {$100.00} prop preservation charges are for mowing the zero lot-line yard.\n<P/>\nSummarized below is the chain of events to substantiate this complaint, as well as show cause for many other discrepancies.\n<P/>\nI first became delinquent on my mortgage loan in  XXXX  due to the financial effects of the economic housing crisis on my profession as a Florida   XXXX   XXXX  . I had requested and was approved for a 6-month temporary loan mod through   XXXX   XXXX   XXXX   (  XXXX  ) by way of letters dated  XX/XX/XXXX  and  XX/XX/XXXX  reflecting new 4.25 % rate, payments of {$1700.00}, and also, stating that the account had been restructured to reflect a current status and next payment due  XX/XX/XXXX .\n<P/> XX/XX/XXXX  To insure compliance, I phoned  XXXX  and made a payment amount of {$1700.00}, the exact amount as stated by the  XXXX  rep.\n<P/>\n XX/XX/XXXX  Received letter stating  XXXX  was withdrawing the modification due to the terms of the loan modification.\n<P/> XX/XX/XXXX   I  called for clarification only to be told that the amount of my last payment was incorrect as it didnt include an escrow payment, therefore,  XXXX  considered the payment to be late allowing them to immediately resume collection and start foreclosure, as well as, revert to original interest rate and payment. After unsuccessfully pleading the reason for the amount paid  on   XX/XX/XXXX  , I th en authorized the increased payment of {$2400.00}. This was the last payment I was ever able to make and thus reported as the date of last payment.\n<P/> XX/XX/XXXX    XXXX   filed for foreclosure.\nCount I of this Complaint states : 1. This is an action to reestablish a promissory note 2. delivered to   XXXX   XXXX   XXXX   ( no mention of  XXXX  )  3. Plaintiff i s the owner of said note.\n4. The original promissory note was lost or destroyed subsequent t o Plaintiffs acquisition thereof, the exact time and mannerbeing unknown to Plaintiff. < P/>\nIt was later discovered that  XXXX  did not have authority to file suit as they had not been assigned the mortgage.\n<P/>\n XX/XX/XXXX    XXXX   prepared a postdated assignment of mortgage to   XXXX   ( 19 months after   XXXX   had filed their foreclosure complaint ).\n<P/> XX/XX/XXXX  XXXX  recorded Corporate Assignment of Mortgage to  XX/XX/XXXX declaring :  XXXX , as nominee for   XXXX   XXXX   XXXX  , ( the original creditor [  XXXX  ] ), assigned and conveyed to  XXXX  in consideration of {$10.00}, the mortgage together with the Note or other evidence of indebtedness ( the \" Note '' ), said Note having an original principal sum of {$340000.00} with interest, secured thereby, together with all moneys now owing or that may hereafter become due or owing in respect thereof, and the full benefit of all the powers and of all the covenants and provisos therein contained, and the said Assignor hereby grants and conveys unto the said Assignee, the Assignor 's beneficial interest under the Mortgage. TO HAVE AND TO HOLD the said Mortgage and Note, and also the said property unto the said Assignee forever, subject to the terms contained in said Mortgage and Note.\n<P/>\nThis assignment further shows evidence of fraud as such : a ) recording requested by and return to   XXXX   XXXX   XXXX  , as well as, Law Offices of   XXXX   XXXX   XXXX   ( Florida foreclosure mill firm shut down in  XXXX  ) ; b ) prepared by   XXXX   XXXX  ,   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   ; c ) signed by   XXXX   XXXX  , Vice-President of   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , VA  XXXX  ; d ) witnessed by confirmed robo-signers   XXXX   XXXX  ,   XXXX   XXXX   and   XXXX   XXXX   as notary in  XXXX , NY.\ne )   XXXX   XXXX   has signed on behalf of   XXXX    XXXX   XXXX   XXXX  . whose address is in VA while   XXXX   XXXX   ( whose handwriting changes often ) is a notary in NY.\nf ) Betw een   XX/XX/XXXX  XX/XX/XXXX  I have evidence of twelve ( 12 ) other ( unrelated ) recorded documents, signed by four different  XXXX  employees ( some on the same day ). All have signed as the Vice-President of   XXXX   XXXX  .\n<P/> XX/XX/XXXX ,  XXXX  voluntarily dismissed the complaint without prejudice. In accordance with the FCRA, the CRAs continued to report this negative mortgage default account through the 7-year maximum duration period clearly identified on prior credit reports with the estimated date for removal XX/XX/XXXX <P/> XX/XX/XXXX    XXXX    issued a new Notice of Intent to Cure for payments due on or after  XX/XX/XXXX  It further states that to correct this breach, the total amount of  $    XXXX  must be received no later than XX/XX/XXXX . Only the full amount due will be accepted. Failure to cure the default on or before the date specified in this notice will result in acceleration of the sums secured by the Mortgage/Deed of Trust and may result inforeclosure. ( This Notice was attached to the current  Plaintiffs R esponse to Defendants Request for Production. )  XX/XX/XXXX ,  XXXX , by   XXXX   XXXX   XXXX   (   XXXX   ), as Attorney in Fact, assigned the mortgage to   XXXX   XXXX   XXXX   XXXX  , as Trustee for   XXXX     XXXX   XXXX   XXXX  . However, the chain of title recorded in the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   shows  XXXX  and   XXXX   XXXX   XXXX   XXXX    assigned to  XXXX .\n  XXXX   seems to be the servicer at this point, although Ive never received notice nor seen any authorizing document. I did however, receive 67 illegal robo-calls from   XXXX    between  XX/XX/XXXX - XX/XX/XXXX .\n<P/> XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , (  XXXX  ), Attorney for  Plaintiff, fi led a subsequent Complaint for Foreclosure of Mortgage on beha lf of    XXXX   XXXX   XXXX   XXXX  , as Trustee  for    XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  , as Attorney of Fact, by   XXXX   XXXX  , Authorized Signatory.\n<P/>\nAs required by the FL Statute of Limitations for subsequent filings, new default dates were established and stated in this Complaint as : COUNT I Paragraph 6. Defendant ( s ) have defaulted under the Note and Mortgage by failing to pay the payment due XX/XX/XXXX , and all subsequent payments.\n<P/>\nParagraph 8. Defendant ( s ) o we Plaintiff {$32 0000.00} that is due and owing on principal on the Note and Mortgage, plus interest from and after  XX/XX/XXXX , and title search expenses This Complaint includes a Certification of Possession Pursuant to Fl. Stat. s.702.015 ( 4 ) dated XX/XX/XXXX .   XXXX   XXXX   as Original Documents Assistant verified that the original note is in the possession and location of  XXXX s office, and, that   XXXX    received the original note from  XXXX . However, no date is mentioned as to when   XXXX   received the note. When, how and from whom did   XXXX   receive the original note is crucial since  XXXX  claimed it to be lost or destroyed in its   XXXX    Complaint.\n<P/> XX/XX/XXXX    XXXX   sends force-placed ASI policy that went into effect  XX/XX/XXXX .\n<P/>\n XX/XX/XXXX   XXXX   notifies me of cancellation of said policy effective XX/XX/XXXX .\n<P/> XX/XX/XXXX  Rushmore sends Notice of Sale of Ownership of Mortgage Loan. Very confusing and misleading. States prior creditor has sold your loan ( described below ) to us, the new creditor identified below. Next paragraph, **NOTE : The new creditor identified below is not the servicer of your loan. Page 2 says Your lender. Who are they referring to, the creditor or the servicer? The last sentence reads, Our rights and obligations as new creditor,  XX/XX/XXXX   XXXX , transferred servicing to Rushmore Loan Management ( RLM ) although no documentation has been provided or recorded confirming   XXXX    authority to do so.\n<P/>\n XX/XX/XXXX ,   XXXX   furnished two (   XXXX   )  XXXX  forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event  XX/XX/XXXX  ; debt description mortgage ; identifiable event code I.\n<P/>\n XX/XX/XXXX  Assignment of Mortgage :   XXXX   XXXX   XXXX   XXXX   as trustee for   XXXX   XXXX   XXXX   XXXX  t,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , OK  XXXX  hereby assign and transfer to   XXXX   XXXX   XXXX   XXXX  , not in its individual capacity but solely as trustee for the   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , DE  XXXX , all its right, title and interest to said mortgage.\n<P/>\nThis recording shows : Requested by   XXXX   XXXX   XXXX   Prepared by C  XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  y Return to LR Department ( Cust :  XXXX  ),   XXXX   XXXX   XXXX   XXXX  , CA   XXXX     XXXX  MIN # :   XXXX   Loan # :   XXXX   Also, handwritten :   XXXX   ;   XXXX     XXXX   Authorized Signatory,   XXXX   XXXX   This Assignment was executed and notarized  on   XX/XX/XXXX   by   XXXX , Attorney in Fact, but not recorded until  XX/XX/XXXX  by   XXXX  , Attorney for Plaintiff.  XXXX  was also the servicer through XX/XX/XXXX . RLM began servicing  on   XX/XX/XXXX . So who is   XXXX   XXXX   XXXX   and why was I not notified of new servicer? How many servicers and attorneys are involved now? Who is the actual note holder at this point?\n<P/> XX/XX/XXXX attached to the  Plaintiffs R esponse to Request for Production is a Notice of Right to Cure Default by  XXXX  dated XX/XX/XXXX stating This is a notice of breachbecause we have not received the payments that were due on or after  XX/XX/XXXX ..  XXXX  had originally issued a Formal Notice of Breach dated  XX/XX/XXXX , demanding payment of {$5800.00} by last business day of that month ( only 20 days later ), and, If such payment is not received by that date, add an additional {$2400.00} for the next months payment, which must be received within thirty ( 30 ) days from the date of this letter. ( Less than a 30 day notice due to mailing time. ) It also states, Due to the delinquency of the mortgageall additional late charges and payments due after this notice must be included in your payment. ONLY THE FULL AMOUNT DUE WILL BE ACCEPTED.\n<P/>\nSince I have not received any notice whatsoever of   XXXX   involvement, in any capacity including transfer of servicer, nor is   XXXX   mentioned in the recorded chain of title, one can reasonably conclude that this second demand letter was sent to reestablish the default acceleration date prior to t he   XX/XX/XXXX  assignment of the deed and note to   XXXX   XXXX   XXXX   XXXX  , Trustee for   XXXX   XXXX   XXXX   XXXX  t.\n<P/>\nThis Assignment shows : 1 )  XXXX  requested recording on behalf of   XXXX   XXXX   XXXX   XXXX  .\n2 ) Execute on behalf of  XXXX  by   XXXX   XXXX   as authorized signatory of  XXXX , attorney in fact. She also signed in the same capacity, on an attached undated allonge. Her  XXXX  profile (  XX/XX/XXXX ) states she is Document Control Manager at   XXXX   XXXX   XXXX   and Project Manager of  XXXX .\n<P/>\nThe note, allonges and mortgage ( sometimes identified as Exhibits A and B ) attached to each of the filed documents have been altered by an erasure use of \" white out '' or complete black out to intentionally conceal information such as loan numbers on original docs at time first executed. Florida does not allow the use of correctional fluid or complete black out on their legal documents.\n<P/>\nAltered docs : Verified Complaint for Foreclosure of Mortgage ( executed XX/XX/XXXX  ), Exhibits A and B are full of black outs.\nNotice of Action Constructive Service, Lis Pendens ( filed XX/XX/XXXX  ), although attachments are not labeled as exhibits, differ as some of the blacked out information originally attached to Complaint is now showing and some of the black outs have been erased completely, such as the loan number on the Allonges.\n Plaintiffs  Response to Request for Productio n (   XX/XX/XXXX  ) black outs appear only on the Note.\n<P/> XX/XX/XXXX   XXXX   filed discovery responses attached with the above-mentioned allonges now identifying account number  XXXX . This number is not to be found anywhere on the note. Further review revealed that this is the exact number identified on  XXXX  correspondence as   XXXX    Account Number.\nThis now questions the validity of the undated Allonges for these reasons : 1. The attached Note is stamp endorsed ( undated ), to   XXXX   XXXX   XXXX   XXXX   XXXX   with more than enough white space for endorsements which would thereby alleviate the need of an allonge ; 2. Undated allonge signed by   XXXX   XXXX  , authorized signatory for   XXXX   as Attorney in Fact for  XXXX , identifies   XXXX   assigned account number  XXXX \n3. Original Note Loan No :   XXXX  .  XXXX  assigned account number is hand-written, twice, at the top of the first page as  XXXX ,   XXXX   ( abbreviated for   XXXX   XXXX   XXXX   XXXX   ).\n<P/>\nAlso noteworthy,   XXXX   XXXX   XXXX   XXXX   was incorporated in  XXXX .\n<P/>\nI 've spent countless hours sifting through 12 yr old boxes of paperwork finding robo-signatures, discrepancies, illegal filings, broken chains, and phantom dates/documents. I 've submitted 2 disputes to each of the credit agencies ( CRA ) with verifiable attachments, including, prior credit reports (  XXXX - XXXX  ) that proved concretely, the re-aging, and both times have been rejected simply because Rushmore Loan Management Services verified account as accurate without any documentation. My credit score is now in the red zone. 0 balance credit cards are being closed, interest rates are sky rocketing, offers withdrawn, premiums raised. It 's all due to the re-aging as every credit category is good - excellent. My new declining credit score gives me little chance of a decent job to support myself, nor obtain housing better than a shelter. For 10+ years I 've slept on couches, in my car, and even a storage unit. I 've sold most of my belongings, worked menial jobs, bartered services and learned to live without or DIY, just to survive. Turning to the advice on the CRAs websites and following their guidelines to the T, I 've worked hard over the past 10+ years to rebuild my life and my credit through exorbitant interest rates, terms and fees. Now, in an instant, just when I was starting to see light, it 's back to the trenches and worse. There are no more couches this time and I have nothing left to sell. It 's more than apparent that my inability to pay this debt is a hall pass for anyone who stands to gain, and, punishable to me for life. Substantiated facts seem irrelevant to the scheming illegal tactics carried on thus far. The laws seem to have no bearing on those with the most money. At   XXXX   yrs old, my health is declining, cant eat or sleep, and cant find a job as all my time is consumed writing letters, sorting through documents and research. I 'm more than exhausted and see no chance for recovery without the help of the CFPB.\n<P/>\nI firmly believe all the recent upheaval stems from RLMs work model to render me broke and powerless, thereby safeguarding from any opposing resistance.\n<P/>\nI beg the CFPB to please thoroughly review my statements of fact and attached supporting documents, to put an end to these unconscionable predatory tactics.","date_sent_to_company":"2017-05-27T05:11:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"2495835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2017-05-27T04:46:21.000Z","state":"VA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["After continually asking the agent to repeat herself, I was transferred to a supervisor ( with a slightly less heavy accent ) who refused to <em>investigate</em> further for the simple reasons the account numbers are different, Rushmore is the client, not the consumer, and, she was <em>under</em> no obligation to pursue an <em>investigation</em> based on consumer provided information. She became loud and rude, then reluctantly asked if I wanted to start a full <em>investigation</em>."]},"sort":[3.887448,"2495835"]},{"_index":"complaint-public-v1","_id":"11337982","_score":3.0202801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  : XXXX Date XXXX XX/XX/XXXX XXXX. Summary of Violations This report outlines violations identified in credit reports from XXXX, XXXX, and TransUnion, as well as supporting documentation from uploaded financial and contractual records. The identified violations include name and address inaccuracies, re-aged accounts, late payments, unauthorized third-party account handling, improper contractual terms, creditor harassment, and issues with Department of EducationXXXX XXXX XXXX XXXX These violations contravene federal laws, including : Fair Credit Reporting Act ( FCRA ) Truth in Lending Act ( TILA ) Federal Trade Commission ( FTC ) XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX laws XXXX  : XXXX BENEFICIARY XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Complaint Against Credit Reporting Agencies and XXXX XXXX for XXXX XXXX Inaccuracies, Unauthorized Inquiries, and Incorrect Personal Information on My Credit Report Agencies Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. \nXXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. \nMY NAME XXXX  : XXXX BENEFICIARY XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. \nThis letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of XXXX XXXX XXXX XXXX ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections. \nCharged-off accounts. \nAny other negative financial information. \nHowever, records of convictions of crimes are an exception to this rule and XXXX be reported beyond the XXXX limitation. \nThis provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. \nINCORRECT ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX Former XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Current XX/XX/XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : XXXX XXXX Code XXXX ( a ) ( XXXX ) - Duty of Furnishers to Provide Accurate Information Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate. \nThe furnisher has reason to believe the information is inaccurate. \nXXXX to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information. \nNotify all consumer reporting agencies to which the inaccurate information was furnished. \nINCORRECT NAMES XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX INCORRECT ADDRESS I DONOT LIVE HERE XXXX XXXX XXXX XXXX, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? \nUnder XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity. \nThis includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting. \nLet me know if you need help drafting this into a formal letter or document! \nUnder XXXX XXXX XXXX XXXX ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : The report is requested for a permissible purpose as outlined in XXXX XXXX Code XXXX ( a ) ( e.g., credit applications, employment, insurance underwriting ). \nThe requester has a legitimate business need for the information, authorized by the consumer or required by law. \nIf an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's XXXX XXXX or appear as misuse of their personal information. \n\nWould you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? \n\n\n\nCompanies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. Unauthorized Hard and Soft Inquiries Violations of XXXX XXXX Code XXXX Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under XXXX XXXX XXXX XXXX ( XXXX ) ( a ), a consumer report XXXX only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. \n\nHARD INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOFT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX  Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX TRANSUNION XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX - XXXX ID Report XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX XXXX XXXX SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX, XXXX All other Prequalifications not listed XXXX XXXX, XXXX XXXX, XXXX Credit Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX XXXX XXXX Credit Report XXXX XXXX, XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Automated Consumer Interview XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Consumer Interview System XXXX XXXX, XXXX XXXX - XXXX XX/XX/XXXX XXXX - CUSTOMER ACCTS XXXX Consumer Interview System XX/XX/XXXX XXXX  XXXX. Violations of XXXX XXXX Code XXXX Permissible Purposes of Consumer Reports The credit reporting agencies have violated XXXX XXXX Code XXXX ( XXXX ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report. \nXXXX. Violations of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Responsibilities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating XXXX XXXX XXXX XXXX ( a ) ( XXXX ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active. \n\nXXXX XXXX I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX  XXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification XXXX XXXX XXXX Care Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX. Reporting Charge-Offs which is Income Violations of XXXX XXXX Code XXXX Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under XXXX XXXX Code XXXX. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of XXXX XXXX XXXX XXXX. \n\nCHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXX Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Under XXXX XXXX Code XXXX, consumer reporting agencies and creditors XXXX only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party XXXX. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law. \nXXXX. Violations of XXXX XXXX Code XXXX ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under XXXX XXXX Code XXXX ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation. \nXXXX. Adverse Information Reporting Violations of XXXX XXXX Code XXXX ( XXXX ) The reporting of adverse information, including sold charge-offs, violates XXXX XXXX Code XXXX ( XXXX ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA. \nXXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX in question have also violated the Fair Debt Collection. \nXXXX. Sold Charge-Offs Reported by Original Creditors Violations of XXXX XXXX Code XXXX ( a ) ( XXXX ) Creditors are prohibited from reporting debts they no longer own under XXXX XXXX Code XXXX ( a ) ( XXXX ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation. \nXXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Debt buyers who now own the accounts are also illegally reporting these debts on my credit report, despite there being no valid contract between us. As per XXXX XXXX XXXX XXXX, information can only be reported if there is a valid contract between the consumer and the entity furnishing the information. The debt buyers ' reporting is both unlawful and harmful, and all such entries must be deleted from my credit report. \nXXXX. Inaccuracies in Reporting Adverse Information Violations of XXXX XXXX Code XXXX ( XXXX ) Under XXXX XXXX Code XXXX ( XXXX ), adverse informationsuch as charge-offsmust be reported accurately. However, charge-offs and other negative information on my report do not accurately reflect the current status of the accounts, as they have either been sold or were reported with incorrect details. This failure to update or correct adverse information violates the FCRA, and all such entries must be removed. \nXXXX. Incorrect Personal Information : Names and Addresses Additionally, my credit report contains inaccurate personal information, including incorrect names and addresses. Under XXXX XXXX XXXX XXXX ( b ), credit reporting agencies are required to take reasonable steps to ensure maximum possible accuracy in the consumer reports they furnish. The presence of incorrect names and addresses, which I have never used, is a violation of this provision. These errors not only damage my credit profile but also compromise the accuracy and integrity of my credit report. I request that these incorrect personal details be corrected immediately. \nXXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX involved have also violated the Fair Debt Collection Practices Act ( FDCPA ), including : XXXX XXXX Code XXXX ( XXXX ) : Misrepresentation and unauthorized communication regarding my debts. \nXXXX XXXX XXXX XXXX ( XXXX ) : Harassment through the improper reporting of debts that have already been sold. \nXXXX XXXX XXXX XXXX ( XXXX ) : Misrepresentation of the nature of the debt through inaccurate reporting. \nXXXX XXXX XXXX XXXX ( a ) : Contacting third parties, including credit reporting agencies, without proper authorization or legal basis, leading to illegal reporting on my credit report. \n\n\nXXXX XXXX Code XXXX ( a ) : Continued communication and reporting without proper legal authorization.Under XXXX XXXX Code XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), and related laws, the following rules apply to the sale, reporting, and handling of charged-off debts by original creditors : XXXX. Violations by XXXX a. Name and Address Inaccuracies Violation : FCRA, Section XXXX ( b ) - Failure to ensure maximum possible accuracy. \nDetails : Variations in name : \" XXXX XXXX, '' \" XXXX XXXX, '' \" XXXX XXXX, '' etc. \nIncorrect addresses include : \" XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, LA '' \" XXXX Virginia XXXX XXXX, XXXX, AL '' Impact : Potential identity confusion and hindered credit decisions. \nXXXX Re-aged Accounts and Misreported Status Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Reporting obsolete information. \nFCRA, Section XXXX ( a ) ( XXXX ) - Accurate reporting of delinquency dates. \nDetails : Accounts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX re-aged and inaccurately reported as open. \nImpact : Extended reporting of derogatory information and financial harm. \nXXXX XXXX Payments and Missing Payment History Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Furnishing incomplete or inaccurate payment history. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : XXXX : XXXX XXXX  account XXXX proper payment history. \nImpact : Misrepresentation of payment reliability. \nXXXX Unauthorized Third-party Account Handling Violation : FTC XXXX, Section XXXX ( a ) - Deceptive practices. \nXXXX XXXX laws - Unauthorized account transfers. \nDetails : XXXX XXXX XXXX XXXX XXXX involved in unauthorized credit-to-loan conversions. \nImpact : Breach of consumer rights. \ne. Creditor Harassment Violation : FDCPA, XXXX XXXX - Harassment or abuse. \nFDCPA, XXXX XXXX - Unfair practices. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : Repeated emails and calls from XXXX XXXX XXXX XXXX regarding repossession threats despite active disputes and payment arrangements. \nExample : XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. \nImpact : Emotional distress, confusion, and potential violation of consumer rights. \nXXXX Contractual Violations in Financial Agreements Violation : TILA, Section XXXX - Failure to disclose accurate loan terms. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : Improper finance charges and unclear contractual terms identified in vehicle sale contract. \nExample : Discrepancy in finance charges as per retail installment contract. \nImpact : Misleading financial obligations and potential overpayment. \nXXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX FCRA, XXXX XXXX ( a ) ( XXXX ) - Furnishing inaccurate account information. \nXXXX, XXXX XXXX - Billing errors. \nDetails : Incorrect reporting of loan balances and payment histories. \nFailure to provide clear instructions on payment application. \nUnexplained adjustments to repayment terms, creating confusion and distress. \nImpact : Financial harm and impaired ability to manage student loan obligations. \n\nXXXX. Requested Actions and Remedies Cease and Desist : Immediately stop reporting inaccurate information and all collection activities related to disputed accounts. \nCorrective Action : Correct name and address inaccuracies across all bureaus. \nUpdate account statuses for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \nAdjust delinquency dates to reflect original reporting periods. \nProvide complete and accurate payment histories for all accounts. \nAccount XXXX and XXXX XXXX : XXXX out accounts affected by violations as a remedy for injury caused by inaccurate reporting. \nPermanently cease negative reporting related to resolved disputes. \nInvestigation and Accountability : Investigate unauthorized third-party involvement in account handling. \nProvide written explanations for loan servicing errors and repayment discrepancies. \nConfirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. \nProvide documentation showing all corrective actions taken. \n\nXXXX. Supporting Exhibits Exhibit A : Name and Address Inaccuracies Highlighted discrepancies from XXXX, XXXX, and TransUnion reports. \nExhibit B : XXXX Accounts Documentation showing altered delinquency dates. \nExhibit C : Closed Accounts Reported as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account details. \nExhibit D : Late Payment History and XXXX XXXX XXXX XXXX  account XXXX inconsistencies. \nExhibit XXXX : Unauthorized Third-party Account Handling Evidence of unauthorized credit-to-loan conversions by XXXX XXXX XXXX XXXX XXXX \nExhibit F : Creditor Harassment Documentation Emails and communications from XXXX XXXX XXXX XXXX. \nExhibit G : Contractual Violations in Vehicle Agreements Retail installment sale contract highlighting improper finance charges and undisclosed terms. \nExhibit H : Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting, unexplained adjustments, and missing payment details. \n\nXXXX. Invoice for Violations and Fees Summary of Penalties Violation Type Fine per Occurrence Occurrences Total Fine Name and Address Inaccuracies {$1000.00} XXXX {$10000.00} Re-aged Accounts {$1000.00} XXXX {$2000.00} Closed Accounts Reported as Active {$1000.00} XXXX {$2000.00} Late/Missing Payment Histories {$1000.00} XXXX {$3000.00} Unauthorized Third-party Handling {$5000.00} XXXX {$10000.00} Creditor Harassment {$1000.00} XXXX {$5000.00} Contractual Violations {$5000.00} XXXX {$5000.00} Loan Servicing Issues {$5000.00} XXXX {$10000.00} Total Penalties {$47000.00} Sale of Debt and Reporting Obligations : Original creditors are prohibited from furnishing information to a consumer reporting agency if : They know or have reasonable cause to believe the information is inaccurate. \nThey fail to update the account status as \" sold '' or \" transferred '' after selling the debt. \nCharged-off debts must be reported accurately : The account must be marked as \" charged-off. '' If sold to a third party, the original creditor must stop reporting the debt as active or due. \nBoth the original creditor and the debt buyer can not double-report the same debt. \n\nViolations in XXXX and XXXX XXXX : Double Reporting : It is unlawful for both the original creditor and the new owner ( debt buyer ) to report the same account on a consumer 's credit file. \nFailure to XXXX as Sold : Original creditors must update the account status to \" sold '' or \" transferred. '' Continuing to report a sold account as open or due violates the FCRA. \nIllegal Resale of XXXX : XXXX a debt after it has been XXXX ( e.g., in bankruptcy ) or after the statute of limitations has expired is prohibited. \nRe-aging of XXXX : Falsely resetting the delinquency date to make a debt appear newer than it is violates XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which limits negative reporting to 7 years from the date of the first delinquency. \n\nXXXX Laws : FCRA ( XXXX XXXX XXXX XXXX ) : Ensures accuracy in credit re","date_sent_to_company":"2024-12-31T18:47:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"64155","tags":null,"has_narrative":true,"complaint_id":"11337982","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-31T18:08:01.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Investigation</em> and Accountability : <em>Investigate</em> unauthorized third-party involvement in account handling. \nProvide written explanations for loan servicing errors and repayment discrepancies. \nConfirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. \nProvide documentation showing all corrective actions taken. \n\nXXXX."]},"sort":[3.0202801,"11337982"]},{"_index":"complaint-public-v1","_id":"11336709","_score":3.0202801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  : XXXX Date : XX/XX/XXXX XXXX. Summary of Violations This report outlines violations identified in credit reports from XXXX, Equifax, and XXXX, as well as supporting documentation from uploaded financial and contractual records. The identified violations include name and address inaccuracies, re-aged accounts, late payments, unauthorized third-party account handling, improper contractual terms, creditor harassment, and issues with Department of Education/XXXX  XXXX XXXX . These violations contravene federal laws, including : Fair Credit Reporting Act ( FCRA ) Truth in Lending Act ( TILA ) Federal Trade Commission ( FTC ) Act Fair Debt Collection Practices Act ( FDCPA ) Interstate Commerce laws XXXX  : XXXX BENEFICIARY XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Credit Reporting Agencies and Debt Buyers for Misconduct , Inaccuracies, Unauthorized Inquiries, and Incorrect Personal Information on My Credit Report Agencies XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. \nXXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. \nMY NAME XXXX  : XXXX BENEFICIARY XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. \nThis letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of 15 U.S. Code 1681c ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections. \nCharged-off accounts. \nAny other negative financial information. \nHowever, records of convictions of crimes are an exception to this rule and may be reported beyond the 7-year limitation.\n\nThis provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. \nINCORRECT ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX Former XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Current XX/XX/XXXX 15 U.S. Code 1681s-2 ( a ) ( 1 ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : 15 U.S. Code 1681s-2 ( a ) ( 1 ) - Duty of Furnishers to Provide Accurate Information Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate.\n\nThe furnisher has reason to believe the information is inaccurate.\n\nObligation to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information. \nNotify all consumer reporting agencies to which the inaccurate information was furnished. \nINCORRECT NAMES XXXX XXXX  Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX INCORRECT ADDRESS I DONOT LIVE HERE XXXX XXXX XXXX XXXX, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXXLA, XXXXAddress ID # XXXX XXXX XXXX XXXXAddress ID # XXXXSingle family XXXX XXXX XXXX XXXXCA, XXXXAddress ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXXAddress ID # XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX  XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL XXXX XXXX Address ID # XXXX INCORRECT PHONE NUMBER Phone Numbers ( XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? \nUnder 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity. \nThis includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting. \nLet me know if you need help drafting this into a formal letter or document! \nUnder 15 U.S. Code 1681b ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : The report is requested for a permissible purpose as outlined in 15 U.S. Code 1681b ( a ) ( e.g., credit applications, employment, insurance underwriting ).\n\nThe requester has a legitimate business need for the information, authorized by the consumer or required by law. \nIf an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's credit score or appear as misuse of their personal information. \n\nWould you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? \n\n\n\nCompanies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX 1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under 15 U.S. Code 1681b ( 604 ) ( a ), a consumer report may only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. \n\nHARD INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX SOFT INQUIRIES XX/XX/XXXX EQUIFAX INC ( XXXX ) ID Report XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Report XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, IN XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Credit Report XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Credit Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. XXXX  Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX XXXX to XXXX Report XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX - XXXX XXXX  Report XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX  XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX to XXXX XXXX  XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX AUTO MTNC UP XXXX Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Credit Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX, XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX, XXXX XXXX, XXXX All other Prequalifications not listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Report XXXX XXXX, XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX  XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX EQUIFAX Credit Report XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XXXX XXXX, XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX - XXXX XX/XX/XXXX EQUIFAX - CUSTOMER ACCTS Automated Consumer Interview System XX/XX/XXXX XXXX  1. Violations of 15 U.S. Code 1681b Permissible Purposes of Consumer Reports The credit reporting agencies have violated 15 U.S. Code 1681b ( 604 ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report. \n2. Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of Furnishers of Information Creditors and debt collectors, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active. \n\nXXXX XXXX I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXXXXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification Medical or Health Care Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX ( XXXX ) XXXX 3. Reporting Charge-Offs which is Income Violations of 15 U.S. Code 1681c Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under 15 U.S. Code 1681c. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of 15 U.S. Code 1666. \n\nCHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed 99 Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXXBalloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, consumer reporting agencies and creditors may only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party collectors. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law.\n\n5. Violations of 15 U.S. Code 1681e ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under 15 U.S. Code 1681e ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation. \n6. Adverse Information Reporting Violations of 15 U.S. Code 1681a ( 5 ) The reporting of adverse information, including sold charge-offs, violates 15 U.S. Code 1681a ( 5 ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA.\n\n7. Violations of 15 U.S. Code 1692b ( 5 ), 1692d ( 2 ), and 1692c ( a ) FDCPA Violations The debt collectors in question have also violated the Fair Debt Collection.\n\n3. Sold Charge-Offs Reported by Original Creditors Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Creditors are prohibited from reporting debts they no longer own under 15 U.S. Code 1681s-2 ( a ) ( 1 ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation. \n4. No Valid Contract with Debt Buyers Violations of 15 U.S. Code 1681b Debt buyers who now own the accounts are also illegally reporting these debts on my credit report, despite there being no valid contract between us. As per 15 U.S. Code 1681b, information can only be reported if there is a valid contract between the consumer and the entity furnishing the information. The debt buyers ' reporting is both unlawful and harmful, and all such entries must be deleted from my credit report.\n\n5. Inaccuracies in Reporting Adverse Information Violations of 15 U.S. Code 1681a ( 5 ) Under 15 U.S. Code 1681a ( 5 ), adverse informationsuch as charge-offsmust be reported accurately. However, charge-offs and other negative information on my report do not accurately reflect the current status of the accounts, as they have either been sold or were reported with incorrect details. This failure to update or correct adverse information violates the FCRA, and all such entries must be removed.\n\n6. Incorrect Personal Information : Names and Addresses Additionally, my credit report contains inaccurate personal information, including incorrect names and addresses. Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to take reasonable steps to ensure maximum possible accuracy in the consumer reports they furnish. The presence of incorrect names and addresses, which I have never used, is a violation of this provision. These errors not only damage my credit profile but also compromise the accuracy and integrity of my credit report. I request that these incorrect personal details be corrected immediately.\n\n7. Violations of 15 U.S. Code 1692b ( 5 ), 1692d ( 2 ), and 1692c ( a ) FDCPA Violations The debt collectors involved have also violated the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S. Code 1692b ( 5 ) : Misrepresentation and unauthorized communication regarding my debts. \n15 U.S. Code 1692d ( 2 ) : Harassment through the improper reporting of debts that have already been sold.\n\n15 U.S. Code 1692b ( 5 ) : Misrepresentation of the nature of the debt through inaccurate reporting.\n\n15 U.S. Code 1692c ( a ) : Contacting third parties, including credit reporting agencies, without proper authorization or legal basis, leading to illegal reporting on my credit report.\n\n15 U.S. Code 1692c ( a ) : Continued communication and reporting without proper legal authorization.Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), and related laws, the following rules apply to the sale, reporting, and handling of charged-off debts by original creditors : 2. Violations by Category a. Name and Address Inaccuracies Violation : FCRA, Section 1681e ( b ) - Failure to ensure maximum possible accuracy. \nDetails : Variations in name : \" XXXX XXXX, '' \" XXXX XXXX, '' \" XXXX XXXX, '' etc. \nIncorrect addresses include : \" XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, LA '' \" XXXX XXXX  XXXX XXXX, XXXX, AL '' Impact : Potential identity confusion and hindered credit decisions. \nb. Re-aged Accounts and Misreported Status Violation : FCRA, Section 1681c ( a ) ( 4 ) - Reporting obsolete information. \nFCRA, Section 623 ( a ) ( 3 ) - Accurate reporting of delinquency dates. \nDetails : Accounts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX re-aged and inaccurately reported as open. \nImpact : Extended reporting of derogatory information and financial harm. \nc. Late Payments and Missing Payment History Violation : FCRA, Section 623 ( a ) ( 1 ) - Furnishing incomplete or inaccurate payment history. \nFTC Act, Section 5 ( a ) - Deceptive practices. \nDetails : Example : XXXX XXXX  account lacks proper payment history. \nImpact : Misrepresentation of payment reliability. \nd. Unauthorized Third-party Account Handling Violation : FTC Act, Section 5 ( a ) - Deceptive practices.\n\nInterstate Commerce laws - Unauthorized account transfers. \nDetails : XXXX  XXXX XXXX and XXXX  involved in unauthorized credit-to-loan conversions. \nImpact : Breach of consumer rights. \ne. Creditor Harassment Violation : FDCPA, Section 806 - Harassment or abuse.\n\nFDCPA, Section 808 - Unfair practices.\n\nFTC Act, Section 5 ( a ) - Deceptive practices. \nDetails : Repeated emails and calls from XXXX XXXX XXXX XXXX regarding repossession threats despite active disputes and payment arrangements. \nExample : Communications dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. \nImpact : Emotional distress, confusion, and potential violation of consumer rights. \nf. Contractual Violations in Financial Agreements Violation : TILA, Section 1638 - Failure to disclose accurate loan terms.\n\nFTC Act, Section 5 ( a ) - Deceptive practices. \nDetails : Improper finance charges and unclear contractual terms identified in vehicle sale contract. \nExample : Discrepancy in finance charges as per retail installment contract. \nImpact : Misleading financial obligations and potential overpayment. \ng. Department of EducationXXXX XXXX XXXX Issues Violation : FCRA, Section 1681s-2 ( a ) ( 1 ) - Furnishing inaccurate account information.\n\nTILA, Section 1666 - Billing errors. \nDetails : Incorrect reporting of loan balances and payment histories. \nFailure to provide clear instructions on payment application. \nUnexplained adjustments to repayment terms, creating confusion and distress. \nImpact : Financial harm and impaired ability to manage student loan obligations. \n\n3. Requested Actions and Remedies Cease and Desist : Immediately stop reporting inaccurate information and all collection activities related to disputed accounts. \nCorrective Action : Correct name and address inaccuracies across all bureaus. \nUpdate account statuses for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \nAdjust delinquency dates to reflect original reporting periods. \nProvide complete and accurate payment histories for all accounts. \nAccount Closure and Balance Adjustment : XXXX out accounts affected by violations as a remedy for injury caused by inaccurate reporting. \nPermanently cease negative reporting related to resolved disputes. \nInvestigation and Accountability : Investigate unauthorized third-party involvement in account handling. \nProvide written explanations for loan servicing errors and repayment discrepancies. \nConfirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. \nProvide documentation showing all corrective actions taken.\n\n4. Supporting Exhibits Exhibit A : Name and Address Inaccuracies Highlighted discrepancies from XXXX, Equifax, and XXXX reports. \nExhibit B : Re-aged Accounts Documentation showing altered delinquency dates. \nExhibit C : Closed Accounts Reported as XXXX XXXX XXXX XXXX and XXXX XXXX Auto Finance account details. \nExhibit D : Late Payment History and Missing Entries XXXX XXXX  account payment inconsistencies. \nExhibit E : Unauthorized Third-party Account Handling Evidence of unauthorized credit-to-loan conversions by FED Servicing ED and XXXX. \nExhibit F : Creditor Harassment Documentation Emails and communications from XXXX XXXX XXXX XXXX. \nExhibit G : Contractual Violations in Vehicle Agreements Retail installment sale contract highlighting improper finance charges and undisclosed terms. \nExhibit H : Department of EducationXXXX XXXX XXXX XXXX Records of inaccurate reporting, unexplained adjustments, and missing payment details. \n\n5. Invoice for Violations and Fees Summary of Penalties Violation Type Fine per Occurrence Occurrences Total Fine Name and Address Inaccuracies {$1000.00} 10 {$10000.00} Re-aged Accounts {$1000.00} 2 {$2000.00} Closed Accounts Reported as Active {$1000.00} XXXX XXXX2000.00} Late/Missing Payment Histories {$1000.00} XXXX {$3000.00} Unauthorized Third-party Handling {$5000.00} 2 {$10000.00} Creditor Harassment {$1000.00} 5 {$5000.00} Contractual Violations {$5000.00} 1 {$5000.00} Loan Servicing Issues {$5000.00} 2 {$10000.00} Total Penalties {$47000.00} Sale of Debt and Reporting Obligations : Original creditors are prohibited from furnishing information to a consumer reporting agency if : They know or have reasonable cause to believe the information is inaccurate. \nThey fail to update the account status as \" sold '' or \" transferred '' after selling the debt. \nCharged-off debts must be reported accurately : The account must be marked as \" charged-off. '' If sold to a third party, the original creditor must stop reporting the debt as active or due. \nBoth the original creditor and the debt buyer can not double-report the same debt. \n\nViolations in Selling and Reselling Debt : Double Reporting : It is unlawful for both the original creditor and the new owner ( debt buyer ) to report the same account on a consumer 's credit file.\n\nFailure to Mark as Sold : Original creditors must update the account status to \" sold '' or \" transferred. '' Continuing to report a sold account as open or due violates the FCRA.\n\nIllegal Resale of Debt : Selling a debt after it has been discharged ( e.g., in bankruptcy ) or after the statute of limitations has expired is prohibited.\n\nRe-aging of Debt : Falsely resetting the delinquency date to make a debt appear newer than it is violates 15 U.S. Code 1681c ( a ) ( 4 ), which limits negative reporting to 7 years from the date of the first delinquency.\n\nApplicable Laws : FCRA ( 15 U.S. Code 1681s-2 ) : Ensures accuracy in credit re","date_sent_to_company":"2024-12-31T18:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"64155","tags":null,"has_narrative":true,"complaint_id":"11336709","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-31T18:47:46.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Investigation</em> and Accountability : <em>Investigate</em> unauthorized third-party involvement in account handling. \nProvide written explanations for loan servicing errors and repayment discrepancies. \nConfirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. \nProvide documentation showing all corrective actions taken.\n\n4."]},"sort":[3.0202801,"11336709"]},{"_index":"complaint-public-v1","_id":"11338092","_score":3.0188007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  : XXXX Date XXXX XX/XX/XXXX XXXX. Summary of Violations This report outlines violations identified in credit reports from Experian, XXXX, and XXXX, as well as supporting documentation from uploaded financial and contractual records. The identified violations include name and address inaccuracies, re-aged accounts, late payments, unauthorized third-party account handling, improper contractual terms, creditor harassment, and issues with Department of Education/XXXX  XXXX XXXX XXXX These violations contravene federal laws, including : Fair Credit Reporting Act ( FCRA ) Truth in Lending Act ( TILA ) Federal Trade Commission ( FTC ) XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX laws XXXX  : XXXX BENEFICIARY XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Complaint Against Credit Reporting Agencies and XXXX XXXX for XXXX XXXX Inaccuracies, Unauthorized Inquiries, and Incorrect Personal Information on My Credit Report Agencies XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. \nExperian, XXXX XXXX XXXX, XXXX, TX XXXX Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. \nMY NAME XXXX  : XXXX BENEFICIARY XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. \nThis letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of XXXX XXXX XXXX XXXX ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections. \nCharged-off accounts. \nAny other negative financial information. \nHowever, records of convictions of crimes are an exception to this rule and XXXX be reported beyond the XXXX limitation. \nThis provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. \nINCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current XX/XX/XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : XXXX XXXX Code XXXX ( a ) ( XXXX ) - Duty of Furnishers to Provide Accurate Information Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate. \nThe furnisher has reason to believe the information is inaccurate. \nXXXX to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information. \nNotify all consumer reporting agencies to which the inaccurate information was furnished. \nINCORRECT NAMES XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX INCORRECT ADDRESS I DONOT LIVE HERE XXXX XXXX XXXX XXXX, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? \nUnder XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity. \nThis includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting. \nLet me know if you need help drafting this into a formal letter or document! \nUnder XXXX XXXX XXXX XXXX ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : The report is requested for a permissible purpose as outlined in XXXX XXXX Code XXXX ( a ) ( e.g., credit applications, employment, insurance underwriting ). \nThe requester has a legitimate business need for the information, authorized by the consumer or required by law. \nIf an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's XXXX XXXX or appear as misuse of their personal information. \n\nWould you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? \n\n\n\nCompanies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Hard and Soft Inquiries Violations of XXXX XXXX Code XXXX Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under XXXX XXXX XXXX XXXX ( XXXX ) ( a ), a consumer report XXXX only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. \n\nHARD INQUIRIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Automated Consumer Interview System XX/XX/XXXX XXXX UPDATE Credit Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX - XXXX ID Report XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX CONSUMER ASSISTANCE CENTER Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX. Promotional Inquiry XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX XXXX XXXX SVCS Automated Consumer Interview System XX/XX/XXXX XXXX/EXPERIAN XXXX Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX AUTO MTNC UP XXXX Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX, XXXX All other Prequalifications not listed XXXX XXXX, XXXX XXXX, XXXX Credit Report XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XXXX XXXX, XXXX XXXX XXXX XXXX Credit Report XXXX XXXX, XXXX XXXX CONSUMER SERVICES Direct XXXX Consumer Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX INFORMATION SVCS Automated XXXX Interview System XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX Credit Report XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX Automated Consumer Interview XXXX XXXX XXXX, XXXX XXXX AUTO MTNC UP XXXX Consumer Interview System XXXX XXXX, XXXX XXXX - XXXX XX/XX/XXXX XXXX - CUSTOMER ACCTS XXXX Consumer Interview System XX/XX/XXXX XXXX  XXXX. Violations of XXXX XXXX Code XXXX Permissible Purposes of Consumer Reports The credit reporting agencies have violated XXXX XXXX Code XXXX ( XXXX ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report. \nXXXX. Violations of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Responsibilities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating XXXX XXXX XXXX XXXX ( a ) ( XXXX ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active. \n\nXXXX XXXX I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXXXXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification XXXX XXXX XXXX Care Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX. Reporting Charge-Offs which is Income Violations of XXXX XXXX Code XXXX Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under XXXX XXXX Code XXXX. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of XXXX XXXX XXXX XXXX. \n\nCHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXX Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Under XXXX XXXX Code XXXX, consumer reporting agencies and creditors XXXX only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party XXXX. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law. \nXXXX. Violations of XXXX XXXX Code XXXX ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under XXXX XXXX Code XXXX ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation. \nXXXX. Adverse Information Reporting Violations of XXXX XXXX Code XXXX ( XXXX ) The reporting of adverse information, including sold charge-offs, violates XXXX XXXX Code XXXX ( XXXX ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA. \nXXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX in question have also violated the Fair Debt Collection. \nXXXX. Sold Charge-Offs Reported by Original Creditors Violations of XXXX XXXX Code XXXX ( a ) ( XXXX ) Creditors are prohibited from reporting debts they no longer own under XXXX XXXX Code XXXX ( a ) ( XXXX ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation. \nXXXX. No Valid Contract with Debt Buyers Violations of XXXX XXXX Code XXXX Debt buyers who now own the accounts are also illegally reporting these debts on my credit report, despite there being no valid contract between us. As per XXXX XXXX XXXX XXXX, information can only be reported if there is a valid contract between the consumer and the entity furnishing the information. The debt buyers ' reporting is both unlawful and harmful, and all such entries must be deleted from my credit report. \nXXXX. Inaccuracies in Reporting Adverse Information Violations of XXXX XXXX Code XXXX ( XXXX ) Under XXXX XXXX Code XXXX ( XXXX ), adverse informationsuch as charge-offsmust be reported accurately. However, charge-offs and other negative information on my report do not accurately reflect the current status of the accounts, as they have either been sold or were reported with incorrect details. This failure to update or correct adverse information violates the FCRA, and all such entries must be removed. \nXXXX. Incorrect Personal Information : Names and Addresses Additionally, my credit report contains inaccurate personal information, including incorrect names and addresses. Under XXXX XXXX XXXX XXXX ( b ), credit reporting agencies are required to take reasonable steps to ensure maximum possible accuracy in the consumer reports they furnish. The presence of incorrect names and addresses, which I have never used, is a violation of this provision. These errors not only damage my credit profile but also compromise the accuracy and integrity of my credit report. I request that these incorrect personal details be corrected immediately. \nXXXX. Violations of XXXX XXXX Code XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( a ) FDCPA Violations The debt XXXX involved have also violated the Fair Debt Collection Practices Act ( FDCPA ), including : XXXX XXXX Code XXXX ( XXXX ) : Misrepresentation and unauthorized communication regarding my debts. \nXXXX XXXX XXXX XXXX ( XXXX ) : Harassment through the improper reporting of debts that have already been sold. \nXXXX XXXX XXXX XXXX ( XXXX ) : Misrepresentation of the nature of the debt through inaccurate reporting. \nXXXX XXXX XXXX XXXX ( a ) : Contacting third parties, including credit reporting agencies, without proper authorization or legal basis, leading to illegal reporting on my credit report. \n\n\nXXXX XXXX Code XXXX ( a ) : Continued communication and reporting without proper legal authorization.Under XXXX XXXX Code XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), and related laws, the following rules apply to the sale, reporting, and handling of charged-off debts by original creditors : XXXX. Violations by XXXX a. Name and Address Inaccuracies Violation : FCRA, Section XXXX ( b ) - Failure to ensure maximum possible accuracy. \nDetails : Variations in name : \" XXXX XXXX, '' \" XXXX XXXX, '' \" XXXX XXXX, '' etc. \nIncorrect addresses include : \" XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, LA '' \" XXXX XXXX  XXXX XXXX, XXXX, AL '' Impact : Potential identity confusion and hindered credit decisions. \nXXXX Re-aged Accounts and Misreported Status Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Reporting obsolete information. \nFCRA, Section XXXX ( a ) ( XXXX ) - Accurate reporting of delinquency dates. \nDetails : Accounts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX re-aged and inaccurately reported as open. \nImpact : Extended reporting of derogatory information and financial harm. \nXXXX XXXX Payments and Missing Payment History Violation : FCRA, Section XXXX ( a ) ( XXXX ) - Furnishing incomplete or inaccurate payment history. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : XXXX : XXXX XXXX  account XXXX proper payment history. \nImpact : Misrepresentation of payment reliability. \nXXXX Unauthorized Third-party Account Handling Violation : FTC XXXX, Section XXXX ( a ) - Deceptive practices. \nXXXX XXXX laws - Unauthorized account transfers. \nDetails : XXXX  XXXX XXXX and XXXX  involved in unauthorized credit-to-loan conversions. \nImpact : Breach of consumer rights. \ne. Creditor Harassment Violation : FDCPA, XXXX XXXX - Harassment or abuse. \nFDCPA, XXXX XXXX - Unfair practices. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : Repeated emails and calls from XXXX XXXX XXXX XXXX regarding repossession threats despite active disputes and payment arrangements. \nExample : XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. \nImpact : Emotional distress, confusion, and potential violation of consumer rights. \nXXXX Contractual Violations in Financial Agreements Violation : TILA, Section XXXX - Failure to disclose accurate loan terms. \nFTC XXXX, Section XXXX ( a ) - Deceptive practices. \nDetails : Improper finance charges and unclear contractual terms identified in vehicle sale contract. \nExample : Discrepancy in finance charges as per retail installment contract. \nImpact : Misleading financial obligations and potential overpayment. \nXXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX FCRA, XXXX XXXX ( a ) ( XXXX ) - Furnishing inaccurate account information. \nXXXX, XXXX XXXX - Billing errors. \nDetails : Incorrect reporting of loan balances and payment histories. \nFailure to provide clear instructions on payment application. \nUnexplained adjustments to repayment terms, creating confusion and distress. \nImpact : Financial harm and impaired ability to manage student loan obligations. \n\nXXXX. Requested Actions and Remedies Cease and Desist : Immediately stop reporting inaccurate information and all collection activities related to disputed accounts. \nCorrective Action : Correct name and address inaccuracies across all bureaus. \nUpdate account statuses for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \nAdjust delinquency dates to reflect original reporting periods. \nProvide complete and accurate payment histories for all accounts. \nAccount XXXX and XXXX XXXX : XXXX out accounts affected by violations as a remedy for injury caused by inaccurate reporting. \nPermanently cease negative reporting related to resolved disputes. \nInvestigation and Accountability : Investigate unauthorized third-party involvement in account handling. \nProvide written explanations for loan servicing errors and repayment discrepancies. \nConfirmation of Compliance : Issue written confirmations of corrections and compliance within FCRA and FDCPA timelines. \nProvide documentation showing all corrective actions taken. \n\nXXXX. Supporting Exhibits Exhibit A : Name and Address Inaccuracies Highlighted discrepancies from Experian, XXXX, and XXXX reports. \nExhibit B : XXXX Accounts Documentation showing altered delinquency dates. \nExhibit C : Closed Accounts Reported as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account details. \nExhibit D : Late Payment History and XXXX XXXX XXXX XXXX  account XXXX inconsistencies. \nExhibit XXXX : Unauthorized Third-party Account Handling Evidence of unauthorized credit-to-loan conversions by XXXX XXXX XXXX XXXX XXXX \nExhibit F : Creditor Harassment Documentation Emails and communications from XXXX XXXX XXXX XXXX. \nExhibit G : Contractual Violations in Vehicle Agreements Retail installment sale contract highlighting improper finance charges and undisclosed terms. \nExhibit H : Department of Education/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reporting, unexplained adjustments, and missing payment details. \n\nXXXX. Invoice for Violations and Fees Summary of Penalties Violation Type Fine per Occurrence Occurrences Total Fine Name and Address Inaccuracies {$1000.00} XXXX {$10000.00} Re-aged Accounts {$1000.00} XXXX {$2000.00} Closed Accounts Reported as Active {$1000.00} XXXX {$2000.00} Late/Missing Payment Histories {$1000.00} XXXX {$3000.00} Unauthorized Third-party Handling {$5000.00} XXXX {$10000.00} Creditor Harassment {$1000.00} XXXX {$5000.00} Contractual Violations {$5000.00} XXXX {$5000.00} Loan Servicing Issues {$5000.00} XXXX {$10000.00} Total Penalties {$47000.00} Sale of Debt and Reporting Obligations : Original creditors are prohibited from furnishing information to a consumer reporting agency if : They know or have reasonable cause to believe the information is inaccurate. \nThey fail to update the account status as \" sold '' or \" transferred '' after selling the debt. \nCharged-off debts must be reported accurately : The account must be marked as \" charged-off. '' If sold to a third party, the original creditor must stop reporting the debt as active or due. \nBoth the original creditor and the debt buyer can not double-report the same debt. \n\nViolations in XXXX and XXXX XXXX : Double Reporting : It is unlawful for both the original creditor and the new owner ( debt buyer ) to report the same account on a consumer 's credit file. \nFailure to XXXX as Sold : Original creditors must update the account status to \" sold '' or \" transferred. '' Continuing to report a sold account as open or due violates the FCRA. \nIllegal Resale of XXXX : XXXX a debt after it has been XXXX ( e.g., in bankruptcy ) or after the statute of limitations has expired is prohibited. \nRe-aging of XXXX : Falsely resetting the delinquency date to make a debt appear newer than it is violates XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which limits negative reporting to 7 years from the date of the first delinquency. \n\nXXXX Laws : FCRA ( XXXX XXXX XXXX XXXX ) : Ensures accuracy in credit re","date_sent_to_company":"2024-12-31T18:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"64155","tags":null,"has_narrative":true,"complaint_id":"11338092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-31T18:47:46.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and 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