{"took":499,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7952773","_score":20.392078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is an ongoing complaint filed XX/XX/2023 against Universal Collection XXXX. The \" fradulent '' collection agency has manipulated the CFPB, and the consumer. Universal Collection XXXX \" failed '' to provide valid contact information for original creditor. The underhanded collection agency ( Universal Collection ) failed to identify to the CFPB, and the consumer of the following facts, ( 1 ) The collection company ( Universal Collection XXXX ) is the billing company for the provider ( creditor ), ( 2 ) XXXX, confirmed on XX/XX/XXXX, Universal Collection XXXX never submitted the medical claim for payment. In fact, if Universal Collection XXXX timely submitted the alleged medical debt of ( {$500.00} ), XXXX would have paid the claim as they paid XX/XX/2023 ( 3 days ). Universal Collection XXXX submitted a \" TIMELY FILING '' with XXXX because they \" NEVER '' submitted the claim, and their underlying purpose and intent was to harass, aggravate, and irresponsibly report false information to the credit reporting agencies, despite the consumer numerous requests to simply validate the alleged medical debt. The collection agency have a responsibility to validate and report accurate infroamtion, especially when the consumer disputed the medical debt ( 39 times ). The consumer has possession of the invoices from both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which clearly and indisputably shows, the claims submitted for the date of service was immediately paid upon receipt of the claim. The deceitful medical debt alleged by Universal Collection XXXX is for a emergency room physician, who failed to follow the streamlined process to submit, and receive payment. In turn, Universal Collection XXXX unjustly reported and continued to report the alleged medical debt after the consumer repeatedly requested them to validate the alleged collection account. \n\n\n\ndenied she was responsible for. If in fact the underhanded collection agency ( original billing company ) would have validated the account as the consumer asked over the last two years, the damage to the consumers credit score and credit worthiness ( negative reporting to the credit reporting agencies ) would not have occurred. This is a heinous, manipulative and intentional error by the underhanded and deceitful collection agency. Collection agencies have a \" REQUIRED '' duty per FDCPA, FTC, CFPB to validate information for accuracy prior to reporting the credit agencies. Underhanded collection agencies such as ( Universal Collection Agency, XXXX MD ) run-a-muck and take advantage of consumers daily. Universal Collection XXXX \" Failed '' to perform collection activities in accordance with Federal agencies, but rather accumulated several FDCPA violations. Not only did the deceitful company refuse to validate the accuracy of the account, they refused to provide the contact information for the original creditor.. Universal Collection XXXX wears two hats... the billing office for the provider, and the collection agency for the provider. Universal Collection XXXX manipulated the consumer into paying money, which they knew she did not owe, repeatedly harassed the consumer to pay the account balance, threatened to continue reporting inaccurate and negative ( damaging ) information to the credit reporting agencies, unless she paid the account - ( money she did not owe ), refused to validate the account information as requested numerous times by the consumer over two years, just to identify a few of the violations by Universal Collection XXXX. \nin accordance with the FDCPA. Universal Collection XXXX is disgusting to say the least, and prey on innocent consumers to make illegal profit and gain. Universal Collection XXXX is a prime example of what the XXXX XXXX refer to as \" illegal underhanded rogue collection agency that works above, around, and below the laws established by the FTC, and FDCPA. They \" SHALL '' be held accountable for their intentional and deliberate harm to the consumer \" credit worthiness '' and \" credit standing ''. Everyone reports to a higher chain if command. Universal Collection XXXX was fully aware of their manipulative actions. This alleged collection agency \" DOES NOT '' work directly for XXXX XXXX nor there subsidiaries, but instead work independently for that particular emergency room physician. And, that is why XXXX nor XXXX XXXX could find the alleged claim. The emergency room physician intentionally requested and took on the task ( responsibility ) to bill the consumer directly, which in fact he failed to do, rather billing the consumer. The physician employed this unintelligible collection agency to bill patients accounts, that he treated in XXXX XXXX emergency room. The only reason this unintelligible collection agency finally removed the collection account from the consumer credit report... was because they had no choice .. and could no longer cover the lies they reported to the three credit reporting agencies, CFPB, FDCPA , FTC , and the consumer. Universal Collection XXXX need to be put out of business permanently. The unintelligible collection agency committed \" FRAUD '' when they finally submitted the claim to XXXX ( years later ) for payment. XX/XX/2023, Universal Collection XXXX submitted the alleged medical claim for {$500.00}, when in fact the consumer paid {$25.00} leaving an unpaid balance of {$470.00}. They have continuously \" lied '' throughout this entire investigation. The consumer disputed the invalid collection account with all three credit reporting agencies, prior to contacting the CFPB. Universal Collection XXXX takes no responsibility for their deceitful and unlawful collection activity, and prey on Innocent consumers. The consumer demands the return of the money she was manipulated and forced into paying, plus interest, points returned to her XXXX score, and compensation for every violation they needlessly subjected the consumer too. The \" Only '' way to hold these money hungry collection agencies accountable, is to bring exposure, and file charges with the CFPB, FTC, FDCPA, Director of the CFPB. Universal Collection XXXX had so much too say .... they were so adamant with their deceitful lies, alleging the consumer owed the medical debt ( she continued to disput ). \nPrior to filing in MD XXXX XXXX, the consumer request CFPB XXXX XXXX XXXX, FDCPA, FTC XXXX XXXX XXXX, XXXX MD XXXX XXXX, MD XXXX Attorney XXXX XXXX to resolve the intentional and willful violations filed against Universal Collection XXXX XXXX XXXX XXXX, MD. Request a blind copy be submitted to the White House XXXX XXXX XXXX XXXX to show a first hand example of a ruthless and predatory collection agencies. This claim filed with the CFPB, against Universal Collection XXXX is for every consumer which they manipulated, and reported invalid information to the three credit reporting agencies.\n\nThe entire time this fraudulent collection agency was responding to the CFPB, they already had filed the claim with XXXX for payment. I retained a copy of communication which may be used to support this claim. \n\n\" If a consumer prove a violation occurred, you may be awarded {$1000.00} in damages for each offense, plus additional compensation for any actual harm they caused. If you win, the collector may also be responsible for paying your lawyer fees and costs ''","date_sent_to_company":"2023-12-06T17:42:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21075","tags":null,"has_narrative":true,"complaint_id":"7952773","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Universal Envoy Corporation","date_received":"2023-12-05T22:44:23.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Not only did the deceitful company <em>refuse</em> to validate the accuracy of the account, they <em>refused</em> to provide the contact information for the original creditor.. Universal <em>Collection</em> XXXX wears two hats... the billing office for the <em>provider</em>, and the <em>collection</em> agency for the <em>provider</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.392078,"7952773"]},{"_index":"complaint-public-v1","_id":"3175822","_score":14.636756,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019 I sent a certified letter return receipt to Transunion in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Transunion received my mail and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received as well. I also sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume  DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information provided by them to the creditor their investigation followed of my dispute. I followed all the steps and Transunion is still reporting these non compliant medical accounts on my credit report. I do not authorize the mis-report and any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX XXXX 2XXXX XXXX 3.XXXX  XXXX 4.XXXX  XXXX 5.XXXX XXXX I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Transunion has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them on XX/XX/2019 was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA. \n\nTheir reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge. \nTheir reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge. \nTheir reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge. \nTheir reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL  unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.","date_sent_to_company":"2019-03-11T18:43:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"3175822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-11T18:26:37.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Transunion has failed to complete their <em>investigation</em> of this <em>Medical</em> <em>Collection</em> and <em>refuse</em> to <em>remove</em> it <em>because</em> <em>clearly</em> the <em>provider</em> can not validate the information they are reporting on my credit report. My letter I sent to them on XX/XX/2019 was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.636756,"3175822"]},{"_index":"complaint-public-v1","_id":"3175912","_score":14.5873165,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019 I sent a certified letter return receipt to Equifax in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Equifax received my letter and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received as well. I also sent a certified letter to XXXX XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information  provided by them to the creditor their investigation followed of my dispute. I followed all the steps and XXXX  is still reporting these non compliant medical accounts on my credit report. I do not authorize the to mis-report any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX  XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Equifax has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA.\n\nTheir reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge.\n\nTheir reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.\n\nTheir reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge.\n\nTheir reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.\n\nTheir reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge.\n\nTheir reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge.\n\nTheir reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge.\n\nTheir reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.","date_sent_to_company":"2019-03-11T19:03:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"3175912","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-11T18:52:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax has failed to complete their <em>investigation</em> of this <em>Medical</em> <em>Collection</em> and <em>refuse</em> to <em>remove</em> it <em>because</em> <em>clearly</em> the <em>provider</em> can not validate the information they are reporting on my credit report. My letter I sent to them was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.5873165,"3175912"]},{"_index":"complaint-public-v1","_id":"3175866","_score":14.5873165,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX I sent a certified letter return receipt to Experian in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Experian received my mail on XXXX XXXX at XXXX XXXX and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received on XXXX XXXX. I also sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter on XXXX XXXX at XXXX am.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information provided by them to the creditor their investigation followed of my dispute. I followed all the steps and Experian is still reporting these non compliant medical accounts on my credit report. I do not authorize the to mis-report any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX  XXXX-XXXXxxxx 2.XXXX  XXXX-102517xxxx 3.XXXX XXXX-XXXXxxxx 4.XXXX XXXX-XXXXxxxx 5.XXXX  XXXX-XXXXxxxx I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Experian has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them on XXXX XXXX was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA. \n\nTheir reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge. \nTheir reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge. \nTheir reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge. \nTheir reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.","date_sent_to_company":"2019-03-11T18:19:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"3175866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-11T18:12:09.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since they can not or will not provide an itemized statement for the services, they are <em>clearly</em> in violation of the FCRA and FDCPA. Experian has failed to complete their <em>investigation</em> of this <em>Medical</em> <em>Collection</em> and <em>refuse</em> to <em>remove</em> it <em>because</em> <em>clearly</em> the <em>provider</em> can not validate the information they are reporting on my credit report."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.5873165,"3175866"]},{"_index":"complaint-public-v1","_id":"9625769","_score":9.270993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \n\n\n\nProof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is crit","date_sent_to_company":"2024-07-26T22:07:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"9625769","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-26T22:07:20.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The reason that these inquires are being disputed is <em>because</em> they were not made by me, and when I report this to you, it is your responsibility to <em>investigate</em> my claims, and when you can not prove that these inquires were made by me, they must be <em>removed</em> from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet <em>because</em> you are reporting inaccurate information within my credit report, and this violates the FCRA."]},"sort":[9.270993,"9625769"]},{"_index":"complaint-public-v1","_id":"9625778","_score":9.243037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nTHE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \n\n\n\nProof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is crit","date_sent_to_company":"2024-07-26T22:07:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"9625778","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-26T21:56:29.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The reason that these inquires are being disputed is <em>because</em> they were not made by me, and when I report this to you, it is your responsibility to <em>investigate</em> my claims, and when you can not prove that these inquires were made by me, they must be <em>removed</em> from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet <em>because</em> you are reporting inaccurate information within my credit report, and this violates the FCRA."]},"sort":[9.243037,"9625778"]},{"_index":"complaint-public-v1","_id":"9625768","_score":9.234529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. \nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). \nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). \nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. \nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. \nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n4. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n12. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n22. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXXE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n30. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \n\n\n\nProof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is crit","date_sent_to_company":"2024-07-26T22:07:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"9625768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-26T22:07:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The reason that these inquires are being disputed is <em>because</em> they were not made by me, and when I report this to you, it is your responsibility to <em>investigate</em> my claims, and when you can not prove that these inquires were made by me, they must be <em>removed</em> from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet <em>because</em> you are reporting inaccurate information within my credit report, and this violates the FCRA."]},"sort":[9.234529,"9625768"]},{"_index":"complaint-public-v1","_id":"8444022","_score":9.12166,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Legal Department XXXX This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. \nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). \nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. \nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n2. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n3. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n4. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX ( a ) ( XXXX ). \nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX Enclosures : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-02-28T17:33:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60914","tags":null,"has_narrative":true,"complaint_id":"8444022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T17:24:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[9.12166,"8444022"]},{"_index":"complaint-public-v1","_id":"10456114","_score":9.031031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the XXXX XXXX XXXX market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The XXXX understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section XXXX of the XXXX XXXX addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the XXXX will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The XXXX reminds furnishers and consumer reporting agencies that they XXXX take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe XXXX will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nXXXX XXXX This XXXX XXXX is a non-binding general statement of policy articulating considerations relevant to the XXXX 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the XXXX XXXX XXXX pursuant to XXXX XXXX XXXX ( b ). Because no notice of proposed rule making is required, the XXXX XXXX XXXX does not require an initial or final regulatory flexibility analysis. See XXXX XXXX XXXX ( a ), XXXX ( a ). The XXXX has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring XXXX approval under the Paperwork Reduction Act, XXXX XXXX XXXX. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the XXXX XXXX XXXX, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section XXXX ( XXXX ) Block of information resulting from identity theft. \nXXXX. XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX ( XXXX ) business days after the date of receipt by such agency of... \nXXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to transaction by the consumer. \nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furni\nshers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates XXXX prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nAPPLE CARD/GS BANK USA Account XXXX : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA XXXX ( XXXX U.S.C. XXXX ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX XXXX : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-10-21T17:07:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"10456114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-10-16T00:32:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[9.031031,"10456114"]},{"_index":"complaint-public-v1","_id":"10988193","_score":9.022414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Legal Department, This is in violation of my rights reporting these accounts on my credit report. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ).\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section XXXX of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring XXXX approval under the Paperwork Reduction Act, XXXX XXXX XXXX. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' XXXX '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing XXXX XXXX, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. I WAS NEVER LATE ON THIS ACCOUNT UPDATE TO PAID AS AGREED CAPITAL ONE PLEASE DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT OR SHOW ME PROOF WITH SUPPORTING DOCUMENTATION TO SHOW PROOF THAT I WAS EVER LATE IF YOU CAN NOT SUPPLY THAT INOFMRATION YOU MUST DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT.\n\n2. You can not report a late payment or balance on a charge off account. XXXX XXXX XXXX Delete the entire account from my credit report due to its inaccurate and misleading reporting. \n3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX XXXX  Please correct & update this inaccurate information on my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXX Please remove it from my credit report. \n6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \nXXXX. ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX XXXX XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXX Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX  Please remove it from my credit report. \nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Please remove it from my credit report. \n11. Under 15 USC 1681 ( e ) ( b ) -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX. Dates of Last Activity Wrong. Terms Incorrect. \nXXXX  Please Investigate and DELETE Promptly from my credit report. \nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) XXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXXXXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX CREDIT DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nXXXX. This inquiry was not authorized XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n. Section 623 ( e ) .The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\n623 ( a ) (? Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\n, has more information about the FCRA, including publications for business and the full text of the FCRA.The CFPB\\ 's website, www.consumerfinance.gov/learnmore Citations for FCRA sections in the U.S. Code, IS U.S.C . 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.","date_sent_to_company":"2024-12-01T18:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"10988193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-01T18:18:28.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The reason that these inquires are being disputed is <em>because</em> they were not made by me, and when I report this to you, it is your responsibility to <em>investigate</em> my claims, and when you can not prove that these inquires were made by me, they must be <em>removed</em> from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet <em>because</em> you are reporting inaccurate information within my credit report, and this violates the FCRA."]},"sort":[9.022414,"10988193"]},{"_index":"complaint-public-v1","_id":"10455744","_score":9.019989,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX XXXXXXXX who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( XXXX ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). \nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX XXXX : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-10-16T00:32:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":"Servicemember","has_narrative":true,"complaint_id":"10455744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T00:21:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[9.019989,"10455744"]},{"_index":"complaint-public-v1","_id":"9530739","_score":9.016874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LIVING FUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Ad ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521. \nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! \nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft. \n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. \nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \" nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. \nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. \nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX XXXXXXXX who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires.\n\nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.\n\nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) CREDIT INQUIRES DATE OF INQUIRY : Policy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \" FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \" credit repair organization. '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) (?\n\nDuties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.\n\nSincerely, Enclosures : Identity Theft report Proof of Identity Copy of Account Statements showing Fraudulent Items FTC Notice to Furnishers","date_sent_to_company":"2024-07-16T17:33:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"9530739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-07-16T17:22:20.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[9.016874,"9530739"]},{"_index":"complaint-public-v1","_id":"10984891","_score":8.888238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Legal Department, This is in violation of my rights reporting these accounts on my credit report. I have a right to my privacy. 15 US Code 1681 ( a ) ( 4 ).\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me.\n\n1. I WAS NEVER LATE ON THIS ACCOUNT UPDATE TO PAID AS AGREED CAPITAL ONE PLEASE DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT OR SHOW ME PROOF WITH SUPPORTING DOCUMENTATION TO SHOW PROOF THAT I WAS EVER LATE IF YOU CAN NOT SUPPLY THAT INOFMRATION YOU MUST DELETE THESE ALLEGED LATE PAYMENTS FROM MY CREDIT REPORT. \n2. You can not report a late payment or balance on a charge off account. \nXXXX XXXX XXXX  Delete the entire account from my credit report due to its inaccurate and misleading reporting. \n3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \n4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. \nXXXX XXXX XXXX Please correct & update this inaccurate information on my credit report. \n5. ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \nXXXX XXXX XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. \n6. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX Please remove it from my credit report.\n\n7. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \nXXXX Please remove it from my credit report. \n8. Under 15 USC 1681 ( e ) ( b ) -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. High Balance. Dates of Last Activity Wrong. Terms Incorrect.\n\nXXXX Please Investigate and DELETE Promptly from my credit report. \nt Number : XXXX XXXX. Inaccurate date of last activity \" XXXX XXXX '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Please Investigate and DELETE Promptly from my credit report. \nPolicy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED!\n\n( SEE THE ENCLOSED EXHIBIT OF FRAUDULENT INQUIRIES BEING DISPUTED ) XXXX. This inquiry was not authorized XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX DIRE DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\n\nXXXX. This inquiry was not authorized XXXX  DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. This inquiry was not authorized XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX Please remove it from my credit report. \n\nPolicy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX0-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n. Section 623 ( e ) .The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at XXXX XXXX XXXX on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\n623 ( a ) (? Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (?. Federal regulations are available at www.consumerfinance.gov/learnmore.Section Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\n, has more information about the FCRA, including publications for business and the full text of the FCRA.The CFPB\\ 's website, www.consumerfinance.gov/learnmore Citations for FCRA sections in the U.S. Code, IS U.S.C . 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.","date_sent_to_company":"2024-12-01T19:36:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"10984891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-01T19:05:01.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The reason that these inquires are being disputed is <em>because</em> they were not made by me, and when I report this to you, it is your responsibility to <em>investigate</em> my claims, and when you can not prove that these inquires were made by me, they must be <em>removed</em> from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet <em>because</em> you are reporting inaccurate information within my credit report, and this violates the FCRA."]},"sort":[8.888238,"10984891"]},{"_index":"complaint-public-v1","_id":"10438255","_score":8.789527,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. \nTHERE IS NEW INFORMATION INCLUDED INCLUDING Klarnas deceptive information provided to the CFPB in its response one that was simply filed to close the complaint and part of their predatory practice model.\n\nI was the victim of widespread fraud that included several other forms of financial theft in the form of credit cards and my banking being compromised and multiple types of loans being taken out in my name.\n\nKlarna is very aware of this.\n\nKlarna last reported to the CFPB that it was waiting on a vendor to reply by XX/XX/XXXX and if they did not hear back from that vendor, it would be approving my fraud claim. Not only did they not follow through with this statement, but the case was also closed IMMEDIATELY without ANY investigation of ANY kind on XX/XX/year>. The response filed only a few days later was not only misleading, but it was also deceptive and intentionally fraudulent in nature in order to close the CFPB case. \nOn XXXX I SPECIFICALLY ASKED if Klarna would need any information from me and I offered to provide such evidence of the claim. I was denied an email, digital portal, or even a fax number to provide the supporting documentation for my claim. I asked how I could get this to the fraud department and was told repeatedly that Klarna WOULD CONTACT ME with this information. \nKlarna did not contact me for this info, and after IMMEDIATELY closing the claim without further investigation failed to notify me of that closure. \nThis was INTENTIONAL in nature and was meant for me to remain in the dark while the company attempted to withdraw the rest of this fraudulent loan of some sort and unknown amount before I could take action knowing I could not claw it back. \nThis is a systematic and widespread problem with the company and is predatory in nature. \nMy banking institution was able to block several attempts by Klarna to fraudulently continue to remove monies from my bank without consent or my knowledge while I was under the impression the case was still being investigated. My bank said this was a common occurrence with Klarna and they had taken the steps to prevent it knowing the loan or loans are fraudulent in nature. Klarna STILL refuses to tell me ANYTHING about the charges or totals they continue to try to remove from my bank. \nKlarna was FULLY AWARE that this is a fraudulent charge and that I NEVER gave them permission to remove ANY monies from my account but continued to do so once again without doing ANY investigation on my claim. \nMy bank after denying the charges filed a chargeback with Klarna, and Klarna ONLY THEN reopened the investigation. The XX/XX/XXXX deadline which has passed given to the CFPB was NEVER real or honored by Klarna. Per report XXXX NEVER RESPONDED. \nI have contacted Klarna well into the double digits via phone which is nearly impossible to do as a fraud victim and is once again an INTENTIONAL ploy by the company to prevent victims from properly receiving relief. Klarna has NO CUSTOMER SERVICE NUMBER LISTED, and you must search the internet to find any way to contact them. \nThose posts refer you to open the App and log into your account to deal with the fraud. \nThe issue for many victims is WE DO NOT HAVE THE APP OR ANY ACCOUNT WITH KLARNA. \nWhen you search the site and find a BURIED link to call Klarna, the number IMMEDIATELY asks for you to LOG INTO YOUR ACCOUNT ONLINE. This once again is an INTENTIONAL PLOY to make consumers like me hang up. It takes SEVERAL minutes for the prompt to then ask if you have no way to log in. ONCE AGAIN this is INTENTIONAL in nature and Klarna knows that MOST people will have hung up by then and assumed there was no way to reach them without the app. \nBut that is NO WHERE NEAR the worst part Klarna then asks to verify your phone number, and most people will comply with this even if they do not have an account. Then Klarna asks to MIRROR YOUR SCREEN AND HAVE COMPLETE ACCESS TO YOUR PHONE. \nAs a victim of fraud this is the LAST thing a victim would want to do, as there is not ANY reason other than Klarna wanting to access all the information on your phone hoping to find something to deny your valid claim. \nAll these actions are meant to mislead and disenfranchise consumers who are victims of fraud. It is a built-in part of XXXX predatory XXXX model. \nFurther, Klarna has compartmentalized its fraud reporting to the point where it is impossible for a consumer to reach its fraud Department AT ALL. Klarnas CS reps can not talk to nor transfer you to anyone in Fraud nor ANYONE in ANY other department to deal with your fraud issue.\n\nThe CS agents can not take your supporting information or relay ANYTHING to the Fraud department.\n\nThese CS agents, however, ARE trained to mislead you, lie ( and this did happen to me on multiple occasions ) and to obtain as much personal demographic information that is not on the claim itself to use fraudulently later to deny your claim. Agents attempt to dissuade you from continuing to file your claim. In all reality, this is ALL the CS agents can do and it is another intentional roadblock Klarna has set up in its predatory policies. \nI have on XXXX occasions asked for my cumulative file and the information in it including names used and the amounts in question that are fraudulently applied to me. Klarna continues to try to get this money from my bank but was blocked. \nOn all XXXX I was refused, even after I identified myself as a fraud victim. Instead Klarna continued to try to pull every piece of personal information it could from me knowing the file is fraud. \nKlarna asked me repeatedly for the information that was IN THE ACCOUNT. \nAs I stated and restated OVER AND OVER AGAIN that I DO NOT and HAVE NEVER HAD an account with Klarna and in fact had never heard of it prior to this incident, it was IMPOSSIBLE for me to provide the information IN AN ACCOUNT I DO NOT OWN. \nKlarna continued to aggressively try to get my personal demographics saying they wanted to match me to my account. I again stated that it is IMPOSSIBLE as I DO NOT HAVE AN ACCOUNT. \nKlarna was SIMPLY FISHING for my XXXX, XXXX, etc. in order to either add it or to make claims that it matched and therefore it was my account as this is their go-to for denying claims they KNOW are valid and that this information is available to many on the internet or dark web for nearly every consumer at this point. \nKlarna 's response to the initial CFPB report was inaccurate and intended solely to close the claim.\n\nI have discovered through Klarnas actions with me why they are considered a predatory lender. In fact, before Klarna answered the initial CFPB report they had closed the claim I made immediately and did nothing to attempt to inform me why or obtain any of the information I had to offer them. \nDuring the initial call Klarna refused to give me any way to submit supporting documents to the claim. I asked them multiple times if I could, as I had proof of the malicious attempts to obtain access to my email, phone etc. from multiple sources. Klarna said it would follow up with me. However, it did not- and in fact tried to remove the entire fraudulent charge at once from my account which XXXX  XXXX XXXX XXXX. \nI called Klarna approximately a week later and they informed me they had closed the case but gave me no reason. I had to demand multiple times- as in XXXX or more- to get an answer. That answer was that I had filed the case under the \" wrong reason. This made NO SENSE as Klarna reopened the case the day prior ONLY AFTER XXXX  XXXX XXXX SENT THEM A DEMAND FOR INFORMATION. \nKlarna had ZERO intention of telling me anything about the case - and as of the date of this letter still has not. \nAGAIN, they have not asked for or given me ANY way to provide documentation to them. \nI have no idea what the status of this case is. \nI do not have an account, and they make it difficult to reach them. I PRESSED Klarna for nearly half an hour to provide me with the \" reason '' for the same day immediate case closure. They finally said I had not given them the requested information during the case filing. \nTHIS MADE NO SENSE. \nI asked what was the reason the case was filed under that was incorrect, and they stated that \" no awareness of loan did not make purchase. '' ' This made no sense because the BOA filing was for the same reason- and they allowed it to be valid. This is ALSO what I filed under as it is true. \nKlarna had NO INTENTION of appropriately managing this case and was simply going to withdraw the funds, and now that they can not they still refuse to give me ANY INFORMATION regarding this fraudulent behavior. \nKlarna more than likely - and has been warned not to do so now will or plans to file something with credit agencies and attempt to \" blackmail '' me into paying for fraudulent charges. \nThis is predatory and sadistic in nature. \nKlarna is in violation of the FCRA as they WILL NOT provide me with information regarding a fraudulent account in my name. \nThey are in violation of both state and federal FCRA statutes. \nI have asked Klarna on XXXX occasions now to provide me with the cumulative file on the case. They refuse. \nKlarna then demanded I give them the \" loan information '' KNOWING IT IS FRAUD AND I DO NOT AND NEVER HAVE HAD IT. \nKlarna has on XXXX calls lied and made contradictory statements- including the name that is on the account. When asked, the rep stuttered, and then after saying the name XXXX several times during the call -took time to refer back to my stated name at the beginning of the call. \nI caught this and asked if my name was on the account. \nThe rep said YES, the name you gave me is. \nI asked them to spell it, and they would not. I then asked over and over until the person admitted it was XXXX, not XXXX my legal name on the file. \nThe agents attempted to tell me There is no way you did not do this it has all of your personal information. '' THIS IS THE EXCUSE THEY WILL USE TO TRY TO STRONGARM ME INTO PAYING A DEBT I NEVER MADE. \nThey KNOW that tens of millions of Americans have all their info including names, XXXX, XXXX, phone number, emails, and addresses exposed through data breaches etc. I had the rep look up a Class Action for such things with millions of people in it BECAUSE I AM THE LEAD AND NAMED PLAINTIFF ON THE CASE. \nDespite Klarna knowing this they STILL have not done anything to end this fraud. To be the lead plaintiff in a large class with a major XXXX data provider I would have to have a SUBSTANTIAL number of VERIFIABLE damages and leaks. \nThey know that. \nKlarna is XXXX. \nKlarna is aware of refusing me the information in the file is a BLATANT violation of the FCRA, and it is mandatory that they provide me with this information. \nThe fact that they CONTINUE TO TRY TO PULL MONIES from my bank and have on at least two occasions I am aware of DID REMOVE FUNDS make it CLEAR they recognize me as the potential victim and are aware that the account holder of that bank account IS ME.\n\nYet they refuse to give me any information at all INCLUDING THE AMOUNT OF THE FRAUD OR EVEN THE NAME ON THE ACCOUNT.\n\nWhat may be the MOST SIGNIFICANT AND DAMNING fact of this case is that even after double-digit phone calls and a request from my bank to cease and desist Klarna HAS NOT CLOSED THE ACCOUNT and has NO RESTRICTIONS ON IT WHATSOEVER.\n\nTHIS LEAVES ME OPEN TO CONTINUED FRAUD AND LOSSES.\n\nKlarna OPENLY ADMITTED THIS on the most recent phone call and REFUSED to take ANY KIND of action on the account which I still do not even have an account number for fully aware that this is fraudulent.\n\nIt proves another predatory probably no other factor can better show it policy by Klarna.\n\nI have DEMANDED Klarna close this account. They continue to associate with me for my financial protection but REFUSES to do so despite KNOWING I am a fraud victim.\n\nKlarna then attempted to mislead me multiple times, again.\n\nAgain, and again when they address me reading the file they refer to me as XXXX. \nTHIS IS THE FRAUDUALNT NAME ON THE ACCOUNT. \nWhen I ask for the name, the agents have on more than XXXX occasion taken SEVERAL minutes to reply while they went back to the beginning of the call, and I identified myself as XXXX XXXX my legal name. \nThe agent then tried to deceive me saying the name on the account was the name you gave me at the beginning of the call. When I ask what that is they reply XXXX XXXX knowing this is TOTALLY FALSE. When confronted they become flustered and deny it. \nThe most recent BLATANT lie was when I was told in order to get my file or any information regarding the claim I would have to have my attorney write to them. \nThis is a falsehood and Klarna KNOWS this. When confronted with the ACTUAL facts that unless I have either retained an attorney and he has written a demand letter, or notified them that I am being represented, I do not have to have a lawyer do anything. Further, as a victim of fraud Klarna was MANDATED to provide me with the information in the file they continue to try to hold me financially responsible for. \nThis is yet ANOTHER way the CS reps are trained to mislead victims intentionally in order to deprive them of their rights as consumers at the state and federal level and is once again predatory in nature, systematic, widespread, and done so with forethought to injure consumers. \nKlarna continues to deny me any access to the very information they try to hold me accountable for knowing it is fraud, while simultaneously not allowing me to provide ANY information to document my claim. I continue to ask for a portal, email, or fax to send this information to the XXXX department as a vulnerable and XXXX adult being taken advantage of, and the XXXX reps refuse to give it to me and readily admit they are told not to and have no way to do it. XXXX further will not, and can not, give you any information on how to reach fraud, request fraud to contact you and admit it is an issue for consumers. \nIt makes no sense that Klarna will immediately close a case without informing them, but will not even allow that person to send proof they are not just a fraud victim - but XXXX already to be shown a victim of WIDESPREAD fraud and LIKELY that this will happen to them based on those incidents and leaks. \nKlarna is AWARE that I am the XXXX XXXX in a XXXX XXXX XXXX  against XXXX of the largest medical data providers in the country for leaking my information. \nI made Klarna aware of this after they said, It has to be you no one else could have your information. \nNot only is THAT a ridiculous argument, as nearly every American has been part of multiple data breaches and had that info exposed, IT IS THE ENTIRE BASIS KLARNA REPEATEDLY USES TO DENY CLAIMS IN MASS KNOWING THE CLAIMS ARE VALID. This is THE MOST COMMON WAY KLARNA CONTINUES TO OPERATE AS A PREDATORY ENTITY AND KNOWINGLY INJURE VICTIMS OF FRAUD. \nKlarna is aware that I am not only the XXXX XXXX  in that multi-million-dollar suit representing tens of millions of people, but also XXXX involving XXXX XXXX and a background check agency where my personal information was exposed and MIXED multiple times resulting in similar actions as they are dealing with. \nIn other words, there is a DOCUMENTED history of this happening to me, evidence that the information is on the internet and dark web, and it is XXXX this will happen to me again. \nAs stated before knowing all that Klarna STILL LEAVES THE ACCOUNT OPEN LEAVING ME VULNERABLE TO ADDITIONAL FRAUD. \nI have noted I have evidence of my email accounts repeatedly often hundreds of times a day attempting to be breached and XXXX that was suspended DURING THIS TIME PERIOD when the server detected possible fraud and my encrypted data was frozen on my phone ( as it was possibly cloned ) so it could not be utilized for additional fraud. \nKlarna WILL NOT ACCEPT ANY OF THIS PERTINENT DOCUMENTATION. \nThis is important because Klarna attempted to obtain my personal info from me, as they are trained, to refute my claim with this kind of info, and in fact BOTH OF THOSE COMPROMISED EMAIL ACCOUNTS ARE WHAT THEY CLAIM TO BASE MOST OF THEIR REFUSAL ON. \nYet they will not accept any documents showing these emails accounts were compromised and XXXX the claim as such. \nThis is another systemic and predatory action. \nKlarna is AWARE that an CFPB claim was filed as evidenced by their response to it. Yet they deny that this was reported. The FCRA DOES NOT require a law enforcement agency be called especially when that agency will probably only file an incident report knowing it can not investigate with limited information- It ONLY requires a report be filed with EITHER such entity to the CFPB. Which, I have done. \nOnce again, leaving Klarna in violation of the FCRA. \nXXXX next predatory step will be to file something with either a credit agency themselves or a collection agency in order to STRONGARM victims into paying a debt they know is fraud. This is a COMMON complaint and practice of predatory lenders. \nKlarna knows the credit damage that will occur doing this and does it anyway, but in fact it will extort and revictimize consumers using this tactic to force them to pay off Klarna to prevent things like being refused housing, loans, and affordable living. This is PREDATORY. \nI have provided the CFPB complaint number to Klarna despite the evidence they are fully aware of it through their misleading and fraudulent response. \nKlarna further was unable to provide a justifiable reason when asked why they closed the fraud claim immediately without investigation or notification. When I asked the question, it took several minutes for the XXXX agent to produce you did not file it under the correct category. \nTo be CLEAR, consumers DO NOT ENTER A REASON INTO THE SYSTEM AT ANY TIME. \nEVER. \nWhen asked what category was it filed under the XXXX agent attempted to avoid the question. I continued to ask for several minutes, and they stated, you did not provide us with a reason for your claim. Of course, I not only challenged this, but pointed out I thoroughly explained that I never made the purchases, and it was fraud. \nNext the XXXX agent, continuing to avoid telling me the category, stated that I did not let them know how I discovered the fraud. \nOf COURSE I went on to not only tell them that I had told them EXACTLY how I discovered the fraud, but had offered them PROOF of why I missed the first charge initially, and of a coincidence that caused it as I had bought something from XXXX just a week to XXXX weeks prior and it cost relatively the same price as the initial fraudulent purchase. Thus, when I saw the charge, I thought it was the adjustment as I was overcharged and given a partial refund. FURTHER, the fraud, although apparently bought at Bed Bath and Beyond, was listed the same way as the XXXX purchase as the vendors in question ( I still have not been told definitively what vendor that is ) all share the same parent company. \nI offered my XXXX XXXX, emails with XXXX customer service, an invoice etc. to show how I mistook the initial fraud charge for my legitimate purchase further legitimizing my claim as when I noticed the second fraudulent charge shortly thereafter and did not recognize it was then when I BECAME AWARE OF FRAUD and went through my BANK STATEMENTS. \nThat was HOW I DISCOVERED THE FRAUD AND WHEN I REPORTED IT. \nAlso, I noted that Klarna HAD RESPONDED TO THE CFPB REPORT and that the report CONTAINED THIS VERY INFORMATION. \nKlarna simply had no TRUTHFUL information other than this was normal procedure to deny all claims initially and seek to recover the monies while the consumer thought it was still investigating often pulling the entirety of the loan balance at once causing overdrafts etc. and financially ruining victims of fraud even further through PREDATORY ACTIONS. \nI pressed on why the claim was closed and what WAS THE CATEGORY I misfiled under. \nThis answer made EVEN LESS SENSE as I was finally told you filed under you did not make the charges, so we automatically closed it. \nThat was EXACTLY what happened, and I filed the claim that way and the case was reopened by my bank FOR THE SAME REASON but not immediately closed because IT IS A BANK AND KLARNA WOULD HAVE GOTTEN CAUGHT. \nI was refused access to a supervisor again at that point. \nI once again have provided Klarna with the proper email I used for XXXX purchases, but this did not satisfy them as IT IS NOT THE EMAIL ON THE FRAUD. \nKlarna does not want this conflicting and clearly exculpatory information in the file. \nI provided Klarna with the XXXX number from XX/XX/year> ( XXXX ) for a purchase from XXXX. Klarna jumped on that and asked aggressively what form of payment did you use but then again became discouraged when the form XXXX DID NOT MATCH THE FORM USED FRAUDULENTLY ON THESE ACCOUNTS as I nearly ALWAYS use XXXX for these purchases. \nOnce again, Klarna DOES NOT WANT THIS INFORMATION IN THE FILE. \nOn XX/XX/XXXX I was told a data XXXX would be back in contact with me as well as someone from fraud but as stated neither happened and they closed the case immediately after I disconnected and instead Klarna tried to empty my bank account. \nI have been told this again on XXXX separate occasions since but have NEVER been able to talk to or send ANYTHING to support my claim with anyone on DATA or FRAUD at Klarna. \nI have offered as aforementioned proof of incursions into my email, phone etc., my actual XXXX  Account, past purchases, an FTC report number XXXX, information on current litigation I am involved in regarding data breaches, stolen information, similar issues in the recent past, other related theft that has occurred concurrently, etc. \nKlarna continues to deny me access to my file or accept proof or talk to me at all.","date_sent_to_company":"2024-10-13T20:46:29.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"17325","tags":null,"has_narrative":true,"complaint_id":"10438255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2024-10-13T20:40:20.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My banking institution was able to block several attempts by Klarna to fraudulently continue to <em>remove</em> monies from my bank without consent or my knowledge while I was under the impression the case was still being <em>investigated</em>. My bank said this was a common occurrence with Klarna and they had taken the steps to prevent it knowing the loan or loans are fraudulent in nature. Klarna STILL <em>refuses</em> to tell me ANYTHING about the charges or totals they continue to try to <em>remove</em> from my bank."]},"sort":[8.789527,"10438255"]},{"_index":"complaint-public-v1","_id":"8440126","_score":8.730182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. \nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Regulatory Requirements\nThis Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a co\nnsumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy\nGuidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could tempor\narily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the XXXX XXXX XXXX, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT  INQUIRES XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX MAIN XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher tha\nt a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-29T00:32:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[8.730182,"8440126"]},{"_index":"complaint-public-v1","_id":"8440125","_score":8.730182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. \nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting\nagency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\n\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who\nfurnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' XXXX '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.\n\nDuties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts.\n\nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT INQUIRES XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has\nfurnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440125","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-29T00:32:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[8.730182,"8440125"]},{"_index":"complaint-public-v1","_id":"8440132","_score":8.719335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX ssn # XXXX XX/XX/XXXX Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \\ '' CARES Ad\\ ' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, accommodation, the furnisher report the credit obligation or account as current; or ( Il ) if the credit obligation or account was delinquent before the maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current\\ '' ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. Rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to very large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agencies or furnisher\\ 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant.\n\nThe Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.\n\nRegulatory Requirements This Policy Statement is a non-binding general statement of policy articulating considerations relevant to the Bureau\\ 's exercise of its supervisory and enforcement authorities. It is therefore exempt from the notice and comment rule making requirements under the Administrative Procedure Act pursuant to 5 USC 553 ( b ). Because no notice of proposed rule making is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. See 5 USC 603 ( a ), 604 ( a ). The Bureau has determined that this Policy Statement does not impose any new or revise any existing record keeping, reporting,\nor disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 USC 3501-3521.\n\nThe trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.\n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.\n\nI made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn\\'t have any information on the person who used my information, nor did I know how my information was obtained by this person.\n\nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account accounts/items doesnt belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!\n\nPolicy states...\n\nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '', Section 1681c ( 2 ) Block of information resulting from identity theft.\n\n1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of...\n\n1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.\nAll furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.\n\nNOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the.U.S Code is at the end of this document.\n\nSection 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant\nadditional information to the CRA ). Section Promptly modify or delete the information, or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).\n\nDuty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).\n\nAny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to \\ '' nationwide\\ '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA . Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher\\ 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which i\nt reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.\n\nDuties When ID Theft Occurs Including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligations.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers\\ ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau\\ 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities\\ ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers\\ '\nproviding accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy as a whole.\n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID 19 who have sought such accommodations from their lendersl .The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers\\ ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.\n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer\\ 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30-day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavirus Aid, Relief, and Economic Security Act, Pub. L. No. 116-136, 5 4201 ( 2020 ) ( stating that, with certain exceptions, \\ '' if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account Of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. \nThese original creditors are being reported incorrectly, and/or the accounts do not belong to me. \nXXXX XXXX account # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX, ACCT # XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, ACCT # XXXX, ACCT XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) Procedure in Case of Disputed Accuracy ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required a. In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly thorough a reseller, of such dispute free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nTherefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means to you, this credit reporting agency, are reporting incorrect accounts. \nFinally, you are reporting the INQUIRES that are a result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below listed and companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquires. \nInquires that are made by someone else without my authorization is not a factual record of access to my credit, it is a fraudulent activity, and it must be addressed as such. The reason that these inquires are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquires were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. \nIt should be noted that any inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done though fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.\n\nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report an accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do mot belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be UPDATED and/or DELETED! \n\nCREDIT INQUIRES XXXX  XXXX XXXX XX/XX/XXXX 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  Policy states... \nAccording to the FAIR CREDIT REPORTING ACT \\ '' FCRA\\ '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...\n\n( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( O, if the completeness or accuracy of any item of information contained in a consumer\\ 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\nThe FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).\n\nGeneral Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections Duty to Correct and Upd\nate Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( I ) ( B ).\n\nIf a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).\n\nFurnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a \\ '' credit repair organization.\\ '' Section 623 ( a ) (. Federal regulations are available at www.consumerfinance.gov/learnmore.Section 623 ( a ) ( Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( I ) ( A ) and Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the All furnishers must have in place reasonable procedures to respond to notifications from CRAS that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish Information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( 0.\n\nThe CFPB\\ 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA , including publications for business and the full text of the FCRA .\n\nCitations for FCRA sections in the U.S. Code, IS U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-29T00:32:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"8440132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T23:52:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to <em>remove</em> these accounts from my credit reports. Some of the creditors have been cooperative and have <em>removed</em> the accounts, but others have <em>refused</em> to <em>remove</em> the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues."]},"sort":[8.719335,"8440132"]},{"_index":"complaint-public-v1","_id":"8021030","_score":7.17341,"_source":{"product":"Debt collection","complaint_what_happened":"BUSINESS ASSOCIATION BREACH & HIPPA/ MEDICARE INSURANCE VIOLATIONS & FRAUD TO IMPROPERLY EXTORT, STEAL & UNLAWFULLY WITHDRAW MY MONEY BY ABUSIVE & INVALID GARNISHMENT ACTIONS PETITIONERS FOR IMMEDIATE OFFICIAL INVESTIGATION OF THIS ABUSE & FRAUD IMPROPER USE OF THE JUDICIAL SYSTEM : My complaint is against a Hospital and Medical Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, and their unlawful/non-bonafide business associates : XXXX XXXX XXXX XXXX XXXX for MEDICAL IDENTITY FRAUD, THEFT, & DIRTY CLAIMS FRAUD. The Provider and its unsanctioned are pursuant to policy XXXX XXXX XXXX XXXX and Aggravated/Aggressive Predatorial `` Debt Collector '' knowingly abrogating & evading the requirements of the EMTALA program of the Federal government for uninsured Patience ( s ) .To unlawfully violate the HIPPA LAWS & HIPPA 'S PRIVACY/SECURITY LAWS and caused \" UNLAWFUL BREACH '' to sell \" BUNDLES OF ALLEGED BAD DEBTS '' that are in majority of cases supposed to have been paid by the \" FEDERAL GOVERNMENT MEDICAL ASSITANCE PROGRAM ( S ) LIKE THE EMTALA ''. Fraudulently including with submission to the Government for payment said hospital \" DOUBLE DIPS '' and sales of these \" BUNDLES OF ALLEGED BAD DEBTS '' to Aggressively Predator \" DEBT COLLECTORS '' who are also 9 out of 10 not even properly contracted as XXXX XXXX XXXX XXXX XXXX' as required by the HIPPA STATUES according to subtitle D of the ARRA, SEC. 13401, APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 1307 ( 1 ) BREACH SECURITY ; Title 15 U.S.C. sect ( s ) 1692g and 1681-1692 et seq., as well. Also, the revised section of the Social Security Act 1176 ( a ). Not acting in the best interest of the Public or this former XXXX XXXX XXXX XXXX XXXX. The hospital is knowingly & willfully Entrapping uninsured and/or low-income patients into illegal Debt traps with the private and personal information they obtain from the patients under the disguise that such information is needed for their medical care and payment from the State to the hospital on their aka the patient 's behalf. A potential BREEDING GROUND for corruption and deceptive business practices. On XX/XX/XXXX, said law firm of XXXX XXXX XXXX XXXX had been stalking this Petitioner to Extort money from this petitioner at his former place of employment with STRATOSPHERE QUALITY LLC, to take advantage of the petitioner 's vulnerable former status as a Patient with XXXX XXXX XXXX. Pursuant to the bogus Request for Affidavit Signature and Assignment of Debt said the law firm has been stalking said petitioner before the signing of the bogus/fraudulent agreement with the Hospital XXXX XXXX XXXX XXXX XX/XX/XXXX during the time of the National Pandemic and after post patient 's discharge from the hospital unbeknown to him. Said the law firm was stalking this petitioner to erroneously collect on an alleged \" DEBT '' before the firm had even purchased the alleged \" BAD HOSPITAL DEBT '' from the Hospital. The Law firm didn't even own it before XX/XX/XXXX ; yet they were still attempting to collect. Unsavory Business & Debt Collection Practices. UDAAP & FDCPA Act violations. One XXXX XXXX, XXXX of XXXX XXXX conspired and XXXX to violate HIPPA requirements and security, her position and the Hospital 's position of Trust and the patient 's right to privacy to sell alleged \" BAD HOSPITAL 'S DEBTS '' to XXXXXXXX XXXX XXXXXXXX XXXX XXXX to patients that the private and personal information they gave to the hospital would eventually be used against them in this manner. Unlawful exposure of this Petitioner 's personal and private information and security breach. By impermissible use and disclosure under the Privacy Rule that has compromised the security and privacy of this Petitioner 's health and financial information. Said attorney XXXXXXXX XXXX XXXXXXXX XXXX is not even a \" Covered Entity '' as required by the HIPPA Privacy & Security Rule. XXXX XXXX violated the rules by failing to 'safeguard ' said Petitioner 's private & protected health information from Misuse. Even being a \" Covered Entity ' that 'Covered Entity ' is only allowed by law to use protected Health and Private Information to carry out its Health Care functions. Not for the business Associates ' Independent use or purposes. The law firm had not had any \" Health Care Functions ''. Violating HIPPA RULES ( Privacy Security ) Breach Notification and Enforcement Rules 45 CFR Part 160 and Part 164 et. seq. Failing to use appropriate safeguards by XXXX XXXX as required by Subpart C at 45 CFR Part 164 with respect to electronically protected health information to prevent disclosure of protected health information other than as provided by the Agreement. XXXXXXXX XXXX  XXXX has never provided any evidence that they are holders of proper Business Associate agreement with XXXX XXXX XXXX to be having access to such private information as required by 45 CFR 160.103 Administration Simplification Rules as well. And is deemed by law to be an '' Unauthorized Person '' under the statute. XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX and or enact the required 'Breach Risk Assessments ' before selling off any of the alleged \" Hospital 's BAD DEBTS '', also required under the statute. Being a 'Serious Health and Safety Breach ' having a Reckless disregard for the 'risk ' of harm erroneously imposed on another ; aka this Petitioner. THERE IS NO BONAFIDE OR CONTRACTUAL AGREEMENT BETWEEN EITHER OF THESE PARTIES IN QUESTION FOR A COURT TO DRAW ITS RULING FROM OR GIVE ANY COURT AUTHORITY AT REM OR OTHERWISE TO HOLD THIS PETITIONER LIABLE FOR A CONTRACT THAT NEVER EXISTED. iS UNACCEPTABLE FOR ANY SYSTEM PURORTING TO BE A JUST SYSTEM OF LAW. EVIDENCE OF PUBLIC CORRUPTION AT ITS FINEST. WHERE HEARINGS WITHIN THE SMALL CLAIMS COURT AND COURT OF APPEALS ARE A XXXXXXXX XXXX AND ONLY FOR THEIR PEERS TO OBTAIN ACCESS TO CONTRADICTORY TO THE PROHIBITION ( S ), OBLIGATION ( S ), DEMAND ( S ), AND GUARANTEE TO PETITION & ACCESS OF THIS STATE & FEDERAL CONSTITUTION ( S ). BASED UPON THESE JUDGE 'S, MAGISTRATE 'S, AND APPEAL JUDGES ' HIDDEN POLICIES AND PROCEDURES OUTSIDE THE STATE AND FEDERAL LAWS OF FED. ( & STATE ) R. CIV. PRO. & LAW. DUE TO SPECIAL PREFERENTIAL TREATMENT FOR THEIR ALLEGED BAR-LICENSED ATTORNEY ( S ) & COLLEAGUES MADE IT IMPOSSIBLE FOR THIS PETITIONER TO OBTAIN ANY RESEMBLANCE TO A FAIR & IMPARTIAL HEARING OR TRIAL BEFORE THEIR COURTS. DUE TO ALLEGED \" PRO SE LITIGANTS '' BEING UNLAWFULLY PREJUDICED AND DISFAVORED BY THE COURTS. AND MAGISTRATES CROSSING THE LINE IN BECOMING ADVOCATES FOR THE COMPLAINED ABOUT ATTORNEY ( S ) AND ITS FIRM LISTED HEREIN. AND ADVERSARY TO THIS UNWITTING AND ORIGINALLY UNSUSPECTING PETITIONER. By purchasing these \" BAD HOSPITAL DEBTS '' the law firm of XXXXXXXX XXXX XXXXXXXX XXXX was \" PROHIBITED '' by the Doctrine of \" Volenti Non-Fit Injuria '', the plaintiff 's consent serves as a defense AGAINST HIM. The doctrine clearly states and is well-settled in law that If a person consents to harm committed upon him, that person can not be permitted to sue the other for the tort. Consent to such harm can be either implied or expressed. In the case of express consent, the consent is open and either verbal or contractual. And XXXX XXXX XXXX XXXX invited its own Harm by purchasing \" BAD HOSPITAL DEBT ( XXXX ) '' they knew they probably could not \" COLLECT UPON ''. Therefore, they had No right to Equity. Equity by law was not supposed to be afforded to them, under the above doctrine and the Doctrine of \" Unclean Hands. '' Totally obliterating their obligations and requirements under the Fair Debt Collection Practices Act also known as the \" FDCPA '' prohibitions. Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. The law firm was committing acts of \" DECEIT '' by using improper communication tactics and unlawfully and abusively using the Courts as a Weapon through 'irregular proceedings ' as a means of Intimidation in their unlawful attempts to collect an alleged \" debt '' ; & contact said Petitioner through all 'undeliverable '' mailing addresses of this said petitioner. To obtain unlawful tactical advantages and judgments against said Petitioner by unscrupulous, deceptive, and unjust means to rob this Petitioner of his rights to contest their unlawful acts. Even after the Law firm was able to ascertain said petitioner 's correct address from the employees, these attorneys were coerced into releasing yet again, other private and personal information of this Petitioner. These attorneys would still use the incorrect address to give the false & misleading impression that they were contacting this Petitioner to the Courts when the law firm knew they were not. Falsifying information to authority is a criminal offense under Title 18 U.S.C. sect. 1001,241,242,287,1621, 1623, 208, 876, 981 Civil Foreciture ( C ), ( D0 et. seq., and other applicable laws, including Perjury ; Subordination of Perjury, and Aggravated Perjury. Offense of Perjury -carries a maximum penalty of ( 7 ) seven years of Imprisonment and/or fine. Aiding & abetting or INCITING AN OFFENCE OF PERJURY, ( in which XXXX XXXX XXXX and the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; with XXXX XXXX and XXXX XXXX false affidavits ), Is also an INDICTABLE OFFENCE SUBJECT TO THE SAME MAXIMUM PENALTY. Which Negatively affected the issues at hand and erroneously affected and INFLUENCED THE COURTS. See the Perjury Act of 1911. Indiana Code 35-44. 1-2-1 Perjury A-Class ( 6 ) Felony. Is an \" Injury-in-fact-on Invasion of legally protected interest '' that is both \" concrete and particularized '' and \" actual or imminent '' in accordance to and with Lujan vs. Defenders of Wildlife, 504 U.S. at 560-61. Even before XXXX XXXX XXXX XXXX purchased the \" BAD HOSPITAL DEBT '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX solicited the assistance of Automatic Data Processing Inc., trade name \" ADP ''. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX had been tossing around and fully disclosing my Personal social security number around in and out of public records, to any and all employees and other members of alleged teams and employers without my knowledge or consent ; in violation of Employer/Employee work relationship violating their position of trust. In violation of the FDCPA requirement of information that could be disclosed. Violation of a Privacy Law produces an immediate injury in fact sufficient to confer Standing under Article III. \" Unjustifiably high risk '' of violating the statute ( s ). According to Title 15 U.S.C. sect. 1692 Rule 809 ( a ) XXXX XXXX XXXX XXXX was required to send notice to said Petitioner that they were attempting to collect a debt before any so-called Court action were to occur ; which is known to everyone in the \" DEBT COLLECTION MARKET & BUSINESS ''. This is what is called a \" Dunning Letter '' which is to give said Petitioner the right to Dispute any alleged debt in their initial communication. Said Petitioner was denied this right and said attorney ( s ) thwarted proper process and procedures and went straight to court action in violation of the FDCPA rules as stated above and FDCPA rule 1696g ( 5 ) ( b ) the debt collector shall CEASE COLLECTION OFTHE DEBT, or any disputed portion thereof until the debt collector obtains verification of the \" DEBT '' or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment or name and address of the original creditor is mailed to the consumer by the DEBT COLLECTOR. [ cited in relevant part ] Any collection activities and communication during the ( 30 ) day period may NOT OVERSHADOW or be INCONSISTENT WITH THE DISCLOSURE OF THE CONSUMER 'S RIGHT TO DISPUTE THE \" DEBT '' or request the name and address of the original creditor. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an \" INITIAL COMMUNICATION '' for purposes in subsection ( a ). ( XXXX ) Notice provisions. The sending or delivery of any form or notice that does not relate to the collection of a debt and is Expressly required under Title 26, Title V of Gramm-Leach-Bliley Act 15 U.S.C. sec. 6801 et. seq., or any provision of Federal or state law relating to Notice of DATA SECURITY BREACH OR PRIVACY, or any regulation prescribed under any such provision of law, shall not be treated as an Initial communication in connection with debt collection for the purposes of this section. Pub. L. 90-321, Title VIII, sect. 809, as added Pub. L. 95-109, Sept 20, 1977, 91 Stat. 879 ; amended Pub. L. 109-351, Title VIII, sect. 802, Oct. 13, 2006, 120 Stat. 2006. 1692j ( a ) Venue. ANY DEBT COLLECTOR who brings any LEGAL ACTION on a debt against any consumer shall - ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only ion judicial district or similar legal entity ; ( A ) in which such consumer SIGNED ( the law firm knowingly entered a lawsuit on behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as the plaintiff with NO SIGNED CONTRACT between this Petitioner and any of the aforementioned Parties, and No contract between this Party and that of XXXX XXXX XXXX either ), the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action ( XXXX XXXX XXXXXXXX XXXX initiated an older case in order to ENLARGE a judgment from another cause in XXXX XXXX XXXX XXXX to their own to outdated and obselete addresses the attorney ( XXXX ), ADP and the Courts knew were \" undeliverable '' to said Petitioner to get an upperhand and get a SECOND JUDGMENT PROHIBITED BY LAW & CLAIMED BARRED BY RESJUDICATA 'S ISSUE PRECLUSION & CLAIM PRECLUSION '' ), ( b ) Authorization of Actions. \" NOTHING in this subchapter SHALL BE construed to authorized the bring of legal actions by \" DEBT COLLECTORS '' ( Therefore, XXXX XXXX XXXX XXXX was forbidden & PROHIBITED by statue from bring suits in their own name. ). Interfering with the Proper & General Government Administration & Operations. Pub. L. 90-321, Title VIII, sect. 811, as added Pub. L. 05-109, Sept. 20, 1974, 41 Stat. 880. ). Unconstitutional ( statutorily ) per se In US law, the term illegal per se means that the act is inherently illegal. Thus, an act is illegal without extrinsic proof of any surrounding circumstances such as lack of scienter ( knowledge ) or other defenses Acts not done in Good Faith. The attorney ( s ) at XXXX XXXX XXXX XXXX has violated Indiana 's Rules of Professional Conduct 8.4 ( c ) Engaging in conduct involving dishonesty, fraud, deceit, or misrepresentation ; ( d ) Engaging in conduct that is Prejudicial to the administration of justice., 84 ( g ) ,3.1 Diligence, 1.4 Communications, 3.1 ( filing Non- ) Meritorious Claims and Contentions, 3.3 Candor toward the Tribunal, 3.4 Fairness to Opposing Party and Counsel, just to name a few. Byway and through XXXX XXXX XXXX and XXXX XXXX XXXX 's ( who in the law firm has unlawful contact, communications, and undue influence with the courts, and people knows he wheels his position to influence the courts in his law firm favors to obtain illegal and improper judgments for their benefits outside the rules of law ), Illicit UDAAP and commercial practices as prohibited by the FDCPA., FAIR DEALINGS, AND FAIR CREDIT TRANSACTIONS, AND OTHER LAWS & CRIMINAL CODES. XXXX XXXX is in the business of ILLICIT COMMERCE OF BUYING \" BAD DEBT '' AND UNLAWFULLY ASSIST CLIENT TO COLLECT ERRONEOUS DEBTS THAT IS UNCOLLECTIBLE AND ENFORCIBLE BY LAW ; WHEREAS THOSE XXXX XXXX AND AND HER CLIENTS SHOULD KNOW OR SHOULD HAVE KNOWN THE RISK OF HER AND HER CLIENT NOT BEING ABLE TO COLLECT OR RECEIVE PAYMENTS ON THOSE \" BAD DEBTS '' THAT RENDERS THEIR ALLEGED RIGHTS TO BE UNENFORCIBLE ACCORDING TO THE LAWS OF EQUITY AND THE DOCTRINE OF \" VOLENIT NON-FIT INJURIA '' FORFITURES. XXXX XXXX is in direct conflict and direct violation of R. 8.4 which states it's professional misconduct for a lawyer to ( a ) violate or attempt to violate the Rules of Professional Conduct knowingly assisting or induce another to do so or do so through the acts of another ; ( b ) commits a criminal act that reflects ADVERSELY on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects. XXXX XXXX had or should have, I, am sure, access to the XXXX XXXX XXXX file and should have been better able to advise them that they had no lawful recourse against my brother XXXX XXXX XXXX. XXXX XXXX was an is well aware of the action being taken against her client XXXX XXXX XXXX by the CFPB for abusive and predatory credit extension where they lure in low-income and those most vulnerable into their Credit scheme where their borrowers are SET-UP TO FAIL so they can charge them unlawful 8th Amendment Excessive Fees & Fine violations aka JUNK FEES to booster their brofits and still steal the people 's care and \" DOUBLE DIP '' AND SOMETIME TRIPLE DIP and obtain money for the resale of the care and FALSE & FICTITIOUS INSURANCE CLAIMS. But yet all in all, instead of XXXX XXXX refusing to continue with representation, XXXX XXXX continues her unlawful representation and XXXX and abet her clients to violate and BREAK THE LAW. Violating 8.4 ( b-e ) Violating Indiana Criminal for Aiding and Abetting the commission of a crime and being an accessory after the fact. See action by the Consumer Financial Protection Bureau vs. XXXX XXXX, attached herein at length as fully set herein. Also, notice that the same actions are being taken against XXXX XXXX ' clients in many other states by the Office of Attorney General for the same abusive and predatory tactics they are attempting to take against my brother now. XXXX XXXX is using her license for an \" IMPROPER PURPOSE '' not to obtain and seek justice for her clients, but to use and Manipulate the Judicial Process as a WEAPON against the people of this State and compromise the Integrity and Impartiality of the Judiciary ; to bring it into ill-repute.. Being in direct conflict with R. 8.4 ( e ) state or implying an ability to influence improperly a government agency or official to achieve results by means that violate the Rules of Profesional Conduct, or other laws ; ( f ) knowingly assist a judge or judicial officer in conduct that is a violation of applicable rules of Judicial Conduct or other law, Recklessly Endangering Another Person. Title 18 U.S.C.sect. 27045. OVERBILLING< UNEARNED FEES, ILL-GOTTEN GAINS ; Vexing others with UNJUST AND VEXATIOUS LAWSUITS : UNNECESSARILY SPURNING THE COST OF LITIGATION. R.8.4 ( g ) Engaging in conduct in a professional capacity Manifesting, by words or conduct, bias or prejudice based upon race, gender, religion, national origin, XXXX, XXXX orientation, age, SOCIAL ECONOMIC STATUS, or similar factors [ cited in relevant parts ] rendering XXXX XXXX and unfit, undeserving, illegitimate advocate that needs to be removed & disbarred ; for patterns, secretly and out in the open, of repeated offenses like her clients that can not continuously go UNPUNISH. Countless Private Citizens have gone to jail and spent their lives in prison for less. Petitioner asserts that said Attorney is and should be Amendable to the entire Criminal Law and be held to endure its consequences for violations as mentioned herein. And for her continuance to representing clients she knows to have or intends to break the law makes her underserving to be an Officer of the Courts for she has No characteristics that are unbecoming of an Officer of the Courts. And the people are in imminent danger of her continued ability to practice law in the State of Indiana for the people at large are \" AT RISK ''. XXXX XXXX ' behavior shows that she clearly possesses the ability to fulfill her duties and obligations as a professional lawyer and will not and can not be trusted nor accounted upon to follow the rules and act in accordance with the professional standards of a lawyer. Therefore, I move that an Official Investigation be opened up against XXXX XXXX for her unprofessional acts and misconduct as an attorney in my brother 's case and many other causes within XXXX XXXX and other Counties where she practices before the courts within the State of Indiana. Also, I move that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be placed under investigation as well because they are the ones that are keeping and collecting data and personal information and dissimulating it to Companies and Lawyers personal and private information of litigants unbeknown to them and without the authority of law violating People Privacy and compromising their personal and private information. Like XXXX and/or XXXX XXXX, and other Managers and Clerks within that office. Inclusions with Lawyers and Attorney firms to BENEFIT THE COURTS AND THEIR BOTTOM-LINE. Making Court Actions nothing more than purpose and motivation for Profit rather than Justice. Placing people of this and all communities PREY and VULUNERABLE to severe financial attacks, calamities, and in harm 's way the court 's vultures and extortionists. Aided by Unconstitutional Exercise of Government Power within the States ' Superior Court in XXXX XXXX XXXX of Indiana and I'm sure other counties as well, XXXX XXXX XXXX being the Most Glaringly Abusive and willingly manipulated. Rendering XXXX a Victim under Congress resend 1998 Identity Theft and Assumption Deterrence Act. This legislation created a New Offense of Identity Theft, which PROHIBITS \" Knowingly transferring or Using WITHOUT LAWFUL AUTHORITY a means of Identification of ANOTHER PERSON ( private & personal information of which the clerks gave to XXXX XXXX XXXX 's lawyer ) ( but lied in other instances that they did not have his access and sent XXXX 's mail to other addresses. ) with the INTENT to commit or to aid, or abet, any UNLAWFUL ACTIVITY THAT CONSTITUTES A VIOLATION OF FEDERAL LAWS, or that constitutes a FELONY under any applicable State or local laws. Like Perjury, Subornation of Perjury, False Claims, and more just to name Like XXXX XXXX and XXXX XXXX coaching their employees to make False Affidavit as you would see in their fabricated complaint levied against XXXX in which they are NOT AN INJURED PARTY as explained above. Engaging in Misconduct for which these attorneys and their law firm should be disciplined and DISBARRED.","date_sent_to_company":"2023-12-20T20:30:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"46805","tags":null,"has_narrative":true,"complaint_id":"8021030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADP Inc.","date_received":"2023-12-18T15:10:25.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["BUSINESS ASSOCIATION BREACH & HIPPA/ MEDICARE INSURANCE VIOLATIONS & FRAUD TO IMPROPERLY EXTORT, STEAL & UNLAWFULLY WITHDRAW MY MONEY BY ABUSIVE & INVALID GARNISHMENT ACTIONS PETITIONERS FOR IMMEDIATE OFFICIAL <em>INVESTIGATION</em> OF THIS ABUSE & FRAUD IMPROPER USE OF THE JUDICIAL SYSTEM : My complaint is against a Hospital and <em>Medical</em> <em>Provider</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, and their unlawful/non-bonafide business associates : XXXX XXXX XXXX XXXX XXXX for <em>MEDICAL</em> IDENTITY FRAUD, THEFT, & DIRTY"],"product":["Debt <em>collection</em>"],"sub_product":["<em>Medical</em> debt"]},"sort":[7.17341,"8021030"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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