{"took":236,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19036203","_score":30.469484,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T15:00:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19036203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:50:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am submitting this complaint <em>against</em> a <em>debt</em> collection company that has initiated a <em>lawsuit</em> <em>against</em> me in <em>Texas</em> <em>without</em> <em>providing</em> <em>proper</em> <em>debt</em> validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged <em>debt</em>. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for <em>debt</em> validation pursuant to the Fair <em>Debt</em> Collection Practices Act ( FDCPA )."],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[30.469484,"19036203"]},{"_index":"complaint-public-v1","_id":"19035809","_score":30.446806,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T14:48:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19035809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:33:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am submitting this complaint <em>against</em> a <em>debt</em> collection company that has initiated a <em>lawsuit</em> <em>against</em> me in <em>Texas</em> <em>without</em> <em>providing</em> <em>proper</em> <em>debt</em> validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged <em>debt</em>. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for <em>debt</em> validation pursuant to the Fair <em>Debt</em> Collection Practices Act ( FDCPA )."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[30.446806,"19035809"]},{"_index":"complaint-public-v1","_id":"18047746","_score":29.648642,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against LVNV Funding, LLC and its representing law firm XXXX XXXX, XXXX for violations of the FDCPA and CFPB debt collection rules relating to an improperly pursued debt lawsuit in Texas.\n\nLVNV Funding sued me in LVNV Funding, LLC v. XXXX XXXX, Cause No. XXXX, in XXXX XXXX , Texas. On XX/XX/year>, the County Court at Law reversed the prior Justice Court judgment, dismissed the case, and taxed all court and appeal costs against LVNV Funding. The case was dismissed because LVNV failed to provide sufficient evidence or proper documentation.\n\nThe following violations occurred : 1. Failure to provide required debt validation ( 15 U.S.C. 1692g ).\n\nLVNV failed to provide : A complete chain of assignment, Proof of ownership of the debt, A copy of the original agreement, Itemized account records.\n\n2. Filing a lawsuit without proof of ownership ( 1692e & 1692f violations ).\n\nLVNV initiated litigation with insufficient documentation to establish standing.\n\n3. Continuing collection efforts while the debt was disputed.\n\nThey moved forward with litigation despite the debt being disputed and without proper validation.\n\n4. Providing inaccurate or incomplete information to the court.\n\nThe lawsuit was dismissed because LVNV could not prove the debt. If they reported similar information to credit bureaus, it may violate FCRA accuracy rules.\n\n5. Court decision shows LVNV acted improperly.\n\nThe County Courts dismissal and taxation of costs against LVNV shows the lawsuit lacked legal basis.","date_sent_to_company":"2025-12-02T05:01:19.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"18047746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-12-02T04:38:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Continuing collection efforts while the <em>debt</em> was disputed.\n\nThey moved forward with litigation despite the <em>debt</em> being disputed and <em>without</em> <em>proper</em> validation.\n\n4. <em>Providing</em> inaccurate or incomplete information to the court.\n\nThe <em>lawsuit</em> was dismissed because LVNV could not prove the <em>debt</em>. If they reported similar information to credit bureaus, it may violate FCRA accuracy rules.\n\n5. Court decision shows LVNV acted improperly."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[29.648642,"18047746"]},{"_index":"complaint-public-v1","_id":"12179699","_score":23.408852,"_source":{"product":"Debt collection","complaint_what_happened":"Velocity Investments , LLC appears to be engaging in systematic, unlawful debt collection practices on a national scale, violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and Consumer Financial Protection laws. Their debt collection and litigation tactics are harming thousands of consumers across multiple states, many of whom may not even owe the debt they are being sued for. \n\nKey Issues with Velocitys Practices : Failure to Validate Debt Before Pursuing Collection & Litigation Velocity fails to provide legally required documentation when requested, including : - A signed contract proving the alleged debt belongs to the consumer. \n- A complete chain of title demonstrating ownership of the debt. \n- An itemized breakdown of the balance owed. \n\nDespite these failures, they continue collection efforts and legal actions, placing undue burden on consumers. \n\nMass Filing of Lawsuits Without Proper Documentation Public records indicate Velocity has filed thousands of lawsuits nationwide against consumers, often without sufficient documentation to prove debt ownership. \nInstead of providing legally required proof, they rely on boilerplate affidavits, unsigned disclosures, or generic statements, which do not meet legal standards for debt validation. \n\nA Systemic Pattern of Litigation Abuses Many of these lawsuits result in default judgments because consumers lack the legal knowledge or financial resources to challenge them. \n\nThis practice mirrors XXXXXXXX XXXX XXXX violations, which led to a {$15.00} XXXX settlement with the CFPB for similar unlawful collection tactics. \n\nWidespread Consumer Harm Across Multiple States This is not an isolated issueVelocitys litigation and collection practices have affected consumers in multiple states, including but not limited to Arizona, Texas, Florida, California, and New York. \n\nConsumers who challenge Velocitys claims in court often face delays, lack of responses, and continued collection efforts despite noncompliance with legal validation requirements.","date_sent_to_company":"2025-02-22T19:03:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"85259","tags":null,"has_narrative":true,"complaint_id":"12179699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2025-02-22T18:44:39.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Mass Filing of <em>Lawsuits</em> <em>Without</em> <em>Proper</em> Documentation Public records indicate Velocity has filed thousands of <em>lawsuits</em> nationwide <em>against</em> consumers, often <em>without</em> sufficient documentation to prove <em>debt</em> ownership. \nInstead of <em>providing</em> legally required proof, they rely on boilerplate affidavits, unsigned disclosures, or generic statements, which do not meet legal standards for <em>debt</em> validation."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[23.408852,"12179699"]},{"_index":"complaint-public-v1","_id":"12411419","_score":22.485859,"_source":{"product":"Debt collection","complaint_what_happened":"IC System, Inc. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern : This letter serves as a formal complaint and direct notice to IC System , Inc. , regarding your obligations under federal and Texas state laws governing debt collection and consumer protection. You are hereby advised that you must adhere to and comply with every law listed in this letter. Any attempt to circumvent or deviate from the laws of the United States Government and the State of Texas will be met with legal and regulatory consequences. \n\n\nQuestions Requiring Immediate Answers Why do you have my information on the XXXX credit report agency? \nDo you have my explicit consent to report information against me on my credit profile? \nDid you violate my privacy by reporting this information without my consent? \nWhat permissible purpose do you claim under federal law that allows you to report this information and potentially violate my privacy? \nYour privacy policy, reviewed on your website, is limited to two pages and lacks sufficient detail compared to other debt collectors. It fails to address key compliance issues, raising serious concerns about your adherence to federal and state laws. \n\nAdditionally, you are hereby instructed to immediately cease all communication with me regarding any alleged debt associated with any account or reference number. Specifically, I consider any reporting of any alleged debt to credit reporting agencies as a form of communication under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). \n\n\nViolations of Federal and State Laws 1. Failure to Validate the Debt ( FDCPA 1692g ) You are reporting a collection account for XXXX XXXX XXXX XXXX , with a balance of {$2900.00}, without providing proper debt validation. The original balance was {$2800.00}, and the collection account began on XX/XX/XXXX. You have failed to validate this debt within five days of initial communication, as required by law. \n\n\n2. Illegal Credit Reporting Without Validation ( FCRA 1681s-2 ( a ) & FDCPA 1692e ( 8 ) ) You are reporting this alleged debt to XXXX without validating its accuracy. This violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA, which prohibit furnishing inaccurate or unverified information to credit reporting agencies. \n\n\n3. Failure to Provide Proof of Texas Licensing ( Texas Finance Code 392.101 ) Under Texas law, debt collectors must be licensed and bonded to operate in the state. I demand proof that IC System , Inc. is properly licensed and bonded to collect debts in Texas. \n\n\n4. Unfair and Unconscionable Collection Practices ( FDCPA 1692f ) Your actions, including reporting unverified debts to credit agencies, constitute unfair and unconscionable practices under the FDCPA. \n\n\n5. Unauthorized Disclosure of Financial Information ( GLBA 6801 ) You have failed to outline safeguards for protecting sensitive consumer data during transmission or storage, as required under the Gramm-Leach-Bliley Act ( GLBA ). \n\n\nImpact on My Credit Profile Your actions have had a negative impact on my credit profile, causing emotional distress, financial harm, and damage to my reputation. This has hindered my ability to secure credit, housing, and other essential financial services. \n\n\nDemand for Documentation I demand the following documentation to verify your claims and ensure compliance with federal and state laws : Proof that IC System , Inc. legally owns or is authorized to collect the debt. \nA detailed breakdown of charges, payments, and balances. \nVerification of the debts accuracy and proof of my responsibility for it. \nAssignment of the debt, including the chain of custody. \nAll paperwork clearly showing IC System , Inc. as the actual owner of this debt. \n\nViolations of Texas State Laws ( Texas Finance Code & Deceptive Trade Practices Act - DTPA ) 1. Failure to Be Properly Licensed and Bonded ( Texas Finance Code 392.101 ) IC System , Inc. has failed to provide proof of proper licensing and bonding in Texas, as required by law. \n\n\n2. Deceptive Trade Practices ( DTPA 17.46 ( b ) ( 12 ) & 17.46 ( b ) ( 24 ) ) Your misrepresentation of debt validation procedures constitutes deceptive trade practices under the DTPA. \n\n\n3. Unconscionable Collection Activities ( DTPA 17.50 ( a ) ( 3 ) ) Your actions are unconscionable and have caused significant harm to me as a consumer. \n\n\nInaccurate Credit Reporting ( Violation of FCRA 1681s-2 & 1681e ( b ) ) Failure to Mark the Debt as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : IC System, Inc. has failed to mark the alleged debt as disputed, as required by the FCRA. \nFurnishing Inaccurate Information ( FCRA 1681e ( b ) ) : You have provided inaccurate information to XXXX, violating the FCRA 's mandate for maximum possible accuracy in credit reporting. \nFailure to Disclose Full Consumer File ( FCRA 1681g ( a ) ( 1 ) ) : IC System , Inc. has potentially violated the FCRA by failing to disclose my full consumer file upon request. \n\nNext Steps If these issues are not resolved promptly, I will file formal complaints with the following agencies : Texas Attorney Generals Office Consumer Protection Division Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Additionally, I will pursue legal action for damages resulting from your unlawful actions, including harm to my credit profile and emotional distress. \n\n\nRelevant Legal Actions Against IC System , Inc. \n\nIC System, Inc. has faced numerous lawsuits alleging violations of the FDCPA and FCRA, including : XXXX XXXX XXXX I.C. System, Inc. A class action lawsuit filed in Texas in XXXX  alleging violations of the FDCPA. \nXXXX XXXX v. I.C. System, Inc. A lawsuit alleging misleading and unfair debt collection letters. \nXXXX XXXX v. I.C. System, Inc. A XXXX lawsuit under the FDCPA. \nXXXX XXXX v. I.C. System, Inc. A lawsuit alleging misleading debt collection notices. \nThese cases highlight a pattern of noncompliance and consumer harm. \n\n\nConclusion This is a direct notice to IC System, Inc. You are required to comply fully with every law listed in this letter. Failure to do so will result in regulatory complaints and legal action. \n\nI demand immediate corrective action to address the outlined violations, including : Ceasing all communication with me regarding this alleged debt. \nProviding the requested documentation to validate the debt. \nRemoving the inaccurate information from my credit report immediately. \nThis matter must be resolved promptly and satisfactorily. I expect a detailed response addressing each of the concerns raised in this letter, not a generic form letter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-03-10T17:18:29.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"12411419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-03-10T17:00:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Specifically, I consider any reporting of any alleged <em>debt</em> to credit reporting agencies as a form of communication under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). \n\n\nViolations of Federal and State Laws 1. Failure to Validate the <em>Debt</em> ( FDCPA 1692g ) You are reporting a collection account for XXXX XXXX XXXX XXXX , with a balance of {$2900.00}, <em>without</em> <em>providing</em> <em>proper</em> <em>debt</em> validation."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[22.485859,"12411419"]},{"_index":"complaint-public-v1","_id":"8296720","_score":21.905182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of ID theft. I have provided an FTC known as FTC XXXX AND FTC XXXX. For the past 2 years i have sent certified letters, first class mail, went online and disputed these fraud accounts. I have sent and made CFPB complaints and Experian continues to place information fraud accounts on my credit bureau they report an account known as XXXX XXXX and state this account was recently opended. I have never opened an account with XXXX XXXX, I have never opened an account with smart sales and lease and this is hereby fraud. Experian states that they certfied this debt in which there is no debt validation. XXXX XXXX XXXX XXXX will not provide any contract nor validation of this date that I opened an account in XXXX in which I did not. There is also accounts known as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that are fraud accounts. They refuse to honor the FCRA LAW KNOWN AS FCRA 15 USC 169 AND FCRA 611 ( A ) ( 1 ) FCRA 604 ( A ) ( 3 ) FCRA 605 ( C ) FCRA ( A ) ( 5 ) ( B ) ( II ) THESE ACCOUNTS LISTED ON MY REPORT KNOWN AS XXXX XXXX ( XXXX ) CHARGED OF XXXX XXXX XXXX XXXX AND ( XXXX ) XXXX XXXX XXXX XXXX ACCOUNTS. THEY REFUSE TO DELETE THEM, REMOVE THEM, DISPUTE THEM AND HONOR ALL FCRA RULES AS EVIDENCED ABOVE. I HAVE TRIED NUMEROUS TIMES TO GET EXPERIAN TO UNDERSTAND THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS. THEY ALSO REFUSE TO UPDATE STUDENT LOANS KNOWN AS US DEPARTMENT OF EDUCATION THAT ARE PAID IN FULL. \n\n\nI hereby request an internal investigation against experian and I hereby request fines, licenses, charters, be revoked and suspended and that Experian is no longer allowed to do business in the State of Texas. My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX last XXXX of XXXX XXXX and hereby grant, plead with the STATE OF TEXAS TO BRING SUIT AGAINST EXPERIAN CREDIT REPORTING AND ANY AND ALL ITS AFFLIANTS KNOWN AND UNKNOWN. I HEREBY REQUEST THAT EXPERIAN REMOVE, BLOCK, DELETE THE ACCOUNTS KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THAT THEY UPDATE ALL STUDENT LOANS KNOWN AS XXXX DEPARTMENT OF EDUCATION AS PAID IN FULL. \n\nALSO EXPERIAN AND XXXX XXXX  KNOWN XXXX XXXX XXXX XXXX XXXX  CONTINUE TO MAKE THREATS OF VIOLENCE TOWARDS ME AND MY FAMILY I AM IN FEAR OF MY LIFE AND MY SAFETY. REFUSAL OF THE CONTRACT OF THE DEBT. HEREBY REQUEST ALL LICENSES WITH XXXX XXXX BE REVOKED AND A FINE ISSUED IN THE AMOUNT OF XXXX XXXX DOLLARS UP TO AND INCLUDING IMMEDIATE TERMINATION OF EACH AND EVERY EMPLOYEE. AND IMMEDIATE TERMINATION OF THE EMPLOYEE THAT PLACED THIS FRAUDULENT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX  UP TO AND INCLUDING CIVIL LIABILTY FROM THE EMPLOYEE THAT FALSLEY MADE THIS UPDATE DAMAGING MY NAME, MY CREDIT AND PLACING MY FAMILIES LIVES IN DANGER. XXXX XXXX CONTINUE TO CALL MY TELEPHONE NUMBER AND PRETEND THEY ARE THE POLICE ISSUING A WARRANT FOR THEFT, XXXX XXXX  CONTINUES TO CALL AND MAKE THREATS THEY WILL PUT ME IN JAIL, XXXX XXXX CONTINUES TO CALL ON A DEBT THAT IS OVER XXXX XXXX XXXX AND IS FRAUD XXXX XXXX  CONTINUES TO HAVE MANAGERS AND EMPLOYEES CALL ME AT OR AROUND MIDNIGHT PRETENDING TO BE REPOSSESSION AGENTS AND PRETENDING TO BE POLICE, XXXX XXXX CONTINUES TO CALL ME AND PRETEND THEY ARE LICENSED ATTORNEYS WHEN ASKED FOR THE INFORMATION THEY HANG UP THIS IS A FRAUD COMPANY WITH EMPLOYEES THAT ARE CONVICTED FELONS DOING ANY AND EVERYTHING TO EARN $ XXXX. EXPERIAN ALSO ENGAGES IN THIS BEHAVIOR BECUASE THEY HAVE INSERTED THIS FRAUD ACCOUNT ON MY CREDIT REPORT Texas law gives someone a certain amount of time to bring a lawsuit for an unpaid debt. This time period is often commonly referred to as the statute of limitations.\n\nOnce the time period set out by the statute of limitations is up, a person is prohibited from filing suit to recover the debt. This means the debt is time-barred. \n\nIn the past, taking certain actions such as making a payment or verbally acknowledging that you owe the debt could restart the clock on the limitations period. This created a problem called zombie debt where the time period set out by the statute of limitations could be constantly restarted. \n\nA new state law introduced in XXXX aims to protect people from zombie debt. This law prevents debt buyers from suing to try to collect the debt even if a payment is made on the debt after the statute of limitations has expired. It also requires debt buyers to provide written notice if they are taking action past the limitations period. Debt buyers are defined by Section XXXX of the XXXX XXXX XXXX as a person who purchases a consumers debt from a creditor. Please see the statute for a full definition. \n\nYou still owe time-barred debts, but creditors and debt buyers lose their most powerful way of collecting a lawsuit.\n\nTexas and Federal Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.\n\nSection 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. \nTitle 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. Debt collectors in this code are defined in section 1006.2 ( i ) and can include the original creditor if they are using a different name. \nUnderstanding the Law What is a statute of limitations on a debt? \nThis page from the Consumer Financial Protection Bureau explains the concept of the statute of limitations and how it relates to debt. \nWhat is XXXX XXXX? \nThis page explains the concept of \" time-barred debts '' and suggests options for dealing with a creditor, third-party debt collector, or debt buyer trying to collect them. \nDebt Buyers Prohibited from Suing to Collect and Reviving Old Debts ( Texas XXXX ) This article describes the XXXX changes and provides legal aid options as well as links to legal forms. Texas XXXX is a nonprofit organization described as a \" public interest justice center ''. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX creditors, third-party debt collectors, or debt buyers will try to intimidate you into paying debts that are past the statute of limitations. Read this page from XXXX to learn your rights when it comes to these old debts. \n\n\nAND Texas Laws Against Aggressive Debt Collection When it comes to debt collection, consumers have a variety of options to protect themselves against unlawful debt collectors. A XXXX law in Texas strengthened the rights of consumers against debt collection and maintained the states short statute of limitations. A Texas statute of limitations on debt is the amount of time a company or person has to pursue legal action against another. If enough time has passed, then the statute of limitations means that companies can no longer sue people for their debts. Luckily, Texas has laws on the books to protect people against debt and the laws are in the favor of the consumer. With the help of an attorney, there are ways to overcome these lawsuits and defeat the creditors. \n\nWhen people receive letters or summons in the mail about an old unpaid debt, it can inspire fear and panic. A person in debt may still be in a position where they are unable to resolve the debt and the collection attempts can bring up trauma. In the case of old debts, or what some people call zombie debts because of how debt collectors never ceased to collect on them, companies can still aggressively attempt to collect on the debt. However, as a response to this, many states like Texas implement a statute of limitations to protect citizens who can not pay or do not want to pay the debt collector. \n\nWhat is the Texas Statue of Limitations?\n\nThe Statute of Limitations is a Texas law that states that if you owe unpaid debt such as credit card debt or consumer debt, the collector only has four years to bring a debt collection lawsuit against you. Bringing a Debt Lawsuit in a Texas Court is the debtor collectors strongest method for collecting. So removing this option for the creditor is significant. \n\nThis Texas law is governed by Section XXXX of the Texas XXXX XXXX and Remedies Code. When you have a credit card, you have a contract with the credit card company where you promise to pay the credit card company. A written contract is not required. So if you stop paying the credit card, the credit card company can file a lawsuit against you to collect the debt under the theory of breach of contract. However, if the debt collector does not file a lawsuit within four years of the breach of contract, then they can not file the lawsuit to collect the debt. This debt is now known as time-barred debt. If the creditor files a lawsuit against you after the four years, they are violating the Texas Debt Collection Law, and you can initiate retaliatory legal action, and have a strong case for getting the lawsuit dismissed.\n\nWhat Is Time Barred Debt? \nTime-barred debt is debt that can not be collected through legal action anymore due to the expiration of the 4-year statute of limitations. The creditor can still attempt to collect the debt and report it on your credit report, but they can not bring a lawsuit against you and so they can not obtain a Judgement against you either.\n\nThe company can no longer threaten to sue you and forcibly collect the old debt through a lawsuit before you can organize your finances. In essence, the bank can not force you to settle the debt before you are ready and can not drag an individual into court when it is clear the individual can not pay. \n\nAvoiding Illegal Collection Restarts It is also important to remember that this XXXX law also included a Section that introduced the idea of time-barred debt. Once the statute of limitations has passed on the debt in Texas, then collectors can not chase consumers for it. The old debts are considered time-barred, which means that they are off-limits. In some states, companies abuse their consumers by frightening the individuals into promising to pay their debts or even acknowledging the debts. This is a trick to allow the company the right to restart the clock on collections and continue harassing the person into payment. They call this zombie debt.\n\nLuckily, Texas law contains provisions that outlaw companies from restarting the debt. Even if you attempt to pay the debt at one time, they can no longer threaten you with legal action. Although you may still owe the debt on the books unless you file for bankruptcy or settle with the company, they lose their most powerful weapon of intimidation thanks to powerful Texas laws that protect vulnerable consumers. \n\nHow Do You Calculate The Statute Of Limitations? \nThe statute of limitations is XXXX years since the date of the breach of the contract. So when does this breach actually happen? As a rule of thumb, the date of breach is about 30 days after the last time you paid the debt. \n\nTo illustrate this, lets say you have a credit card bill where the minimum payment is due on the first day of each month. You pay your XX/XX/XXXX minimum payment and you are current on your credit card bill. Then you do not make your XX/XX/XXXX and all future subsequent payments. Your last payment was XX/XX/XXXX, but you did not breach your contract until at least XX/XX/XXXX when you missed your first credit card payment. So if a client presented these facts to me, I would advise them that the statute of limitations clock did not start counting until at least XX/XX/XXXX. When it is a close call like this, you should really get your ducks in a row by pulling your credit report and reviewing it to determine your last payment. \n\nGoing into debt itself can be one of the most difficult things about adult life. If you find yourself facing a lawsuit or experiencing harassment over a debt that could potentially be barred by the statute of limitations, please dont hesitate to reach out to our law office. Were here to assist individuals facing financial difficulties. Our team can support you by actively challenging your creditors, exploring potential settlements, or providing guidance on the bankruptcy process. Rest assured, were dedicated to finding the right solution for your specific situation, and were here to help you in your fight against creditors.\n\nAND What Debt Collectors Cant Do Debt collectors are regulated by the Texas Debt Collection Act. Among other things, the Act prohibits debt collectors from : Using abusive collection tactics, including : threatening violence or other criminal acts using profane or obscene language falsely accusing the consumer of fraud or other crimes threatening arrest of the consumer, or repossession or other XXXX of property without proper court proceedings using the telephone to harass debtors by calling anonymously or making repeated or continuous calls making collect telephone calls without disclosing the true name of the caller before the charges are accepted Using fraudulent collection tactics, including : using a false name or identification misrepresenting the amount of the debt or its judicial status sending documents to a debtor that falsely appear to be from a court or other official agency failing to identify who holds the debt misrepresenting the nature of the services rendered by the collection agency or the collector falsely representing that the collector has information or something of value in order to discover information about the consumer Trying to collect more than the amount originally agreed upon. ( But remember : your debt can grow by the addition of fees e.g., collection fees, attorney fees, etc. ). \nViolators of the Texas Debt Collection Act are subject to criminal and civil penalties. If you think you have been harassed or deceived, you can even seek injunctions and damages against debt collectors.\n\nThese actions are also violations of the Texas Deceptive Trade Practices/Consumer Protection Act, which gives the Attorney General the authority to take action in the public interest.","date_sent_to_company":"2024-02-06T17:39:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76016","tags":"Servicemember","has_narrative":true,"complaint_id":"8296720","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T17:39:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["However, as a response to this, many states like <em>Texas</em> implement a statute of limitations to protect citizens who can not pay or do not want to pay the <em>debt</em> collector. \n\nWhat is the <em>Texas</em> Statue of Limitations?\n\nThe Statute of Limitations is a <em>Texas</em> law that states that if you owe unpaid <em>debt</em> such as credit card <em>debt</em> or consumer <em>debt</em>, the collector only has four years to bring a <em>debt</em> collection <em>lawsuit</em> <em>against</em> you."]},"sort":[21.905182,"8296720"]},{"_index":"complaint-public-v1","_id":"8296715","_score":21.809105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of ID theft. I have provided an FTC known as FTC XXXX AND FTC XXXX. For the past 2 years i have sent certified letters, first class mail, went online and disputed these fraud accounts. I have sent and made CFPB complaints and Experian continues to place information fraud accounts on my credit bureau they report an account known as XXXX XXXX and state this account was recently opended. I have never opened an account with XXXX XXXX, I have never opened an account with XXXXXXXX XXXX XXXX XXXX and this is hereby fraud. Experian states that they certfied this debt in which there is no debt validation. XXXX XXXXXXXX XXXX  XXXX will not provide any contract nor validation of this date that I opened an account in XXXX in which I did not. There is also accounts known as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that are fraud accounts. They refuse to honor the FCRA XXXXAW KNOWN AS FCRA 15 USC 169 AND FCRA 611 ( A ) ( 1 ) FCRA 604 ( A ) ( 3 ) FCRA 605 ( C ) FCRA ( A ) ( 5 ) ( B ) ( II ) THESE ACCOUNTS LISTED ON MY REPORT KNOWN AS XXXX XXXX ( XXXX ) CHARGED OF XXXX XXXX XXXX XXXX AND ( XXXX ) XXXX XXXX XXXX XXXX ACCOUNTS. THEY REFUSE TO DELETE THEM, REMOVE THEM, DISPUTE THEM AND HONOR ALL FCRA RULES AS EVIDENCED ABOVE. I HAVE TRIED NUMEROUS TIMES TO GET EXPERIAN TO UNDERSTAND THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS. THEY ALSO REFUSE TO UPDATE STUDENT LOANS KNOWN AS US DEPARTMENT OF EDUCATION THAT ARE PAID IN FULL. \n\n\nI hereby request an internal investigation against experian and I hereby request fines, licenses, charters, be revoked and suspended and that Experian is no longer allowed to do business in the XXXX of Texas. My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX last XXXX of XXXX XXXX and hereby grant, plead with the STATE OF TEXAS TO BRING SUIT AGAINST EXPERIAN CREDIT REPORTING AND ANY AND ALL ITS AFFLIANTS KNOWN AND UNKNOWN. I HEREBY REQUEST THAT EXPERIAN REMOVE, BLOCK, DELETE THE ACCOUNTS KNOWN AS EXPRESS COLLECTIONS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND THAT THEY UPDATE ALL STUDENT LOANS KNOWN AS US DEPARTMENT OF EDUCATION AS PAID IN FULL. \n\nALSO EXPERIAN AND XXXX COLLECTION KNOWN XXXX XXXX XXXX XXXX XXXX CONTINUE TO MAKE THREATS OF VIOLENCE TOWARDS ME AND MY FAMILY I AM IN FEAR OF MY LIFE AND MY SAFETY. REFUSAL OF THE CONTRACT OF THE DEBT. HEREBY REQUEST ALL LICENSES WITH EXPRESS COLECTIONS BE REVOKED AND A FINE ISSUED IN THE AMOUNT OF XXXX XXXX DOLLARS UP TO AND INCLUDING IMMEDIATE TERMINATION OF EACH AND EVERY EMPLOYEE. AND IMMEDIATE TERMINATION OF THE EMPLOYEE THAT PLACED THIS FRAUDULENT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX UP TO AND INCLUDING CIVIL LIABILTY FROM THE EMPLOYEE THAT FALSLEY MADE THIS UPDATE DAMAGING MY NAME, MY CREDIT AND PLACING MY FAMILIES LIVES IN DANGER. XXXX XXXX CONTINUE TO CALL MY TELEPHONE NUMBER AND PRETEND THEY ARE THE POLICE ISSUING A WARRANT FOR THEFT, XXXX XXXX  CONTINUES TO CALL AND MAKE THREATS THEY WILL PUT ME IN JAIL, XXXX XXXX CONTINUES TO CALL ON A DEBT THAT IS OVER 7 YEARS OLD AND IS FRAUD XXXX XXXX  CONTINUES TO HAVE MANAGERS AND EMPLOYEES CALL ME AT OR AROUND MIDNIGHT PRETENDING TO BE REPOSSESSION AGENTS AND PRETENDING TO BE POLICE, XXXX XXXX  CONTINUES TO CALL ME AND PRETEND THEY ARE LICENSED ATTORNEYS WHEN ASKED FOR THE INFORMATION THEY HANG UP THIS IS A FRAUD COMPANY WITH EMPLOYEES THAT ARE CONVICTED FELONS DOING ANY AND EVERYTHING TO EARN $ XXXX. EXPERIAN ALSO ENGAGES IN THIS BEHAVIOR BECUASE THEY HAVE INSERTED THIS FRAUD ACCOUNT ON MY CREDIT REPORT Texas law gives someone a certain amount of time to bring a lawsuit for an unpaid debt. This time period is often commonly referred to as the statute of limitations. \n\nOnce the time period set out by the statute of limitations is up, a person is prohibited from filing suit to recover the debt. This means the debt is time-barred. \n\nIn the past, taking certain actions such as making a payment or verbally acknowledging that you owe the debt could restart the clock on the limitations period. This created a problem called zombie debt where the time period set out by the statute of limitations could be constantly restarted. \n\nA new state law introduced in XXXX aims to protect people from zombie debt. This law prevents debt buyers from suing to try to collect the debt even if a payment is made on the debt after the statute of limitations has expired. It also requires debt buyers to provide written notice if they are taking action past the limitations period. Debt buyers are defined by Section 392.307 of the Texas Finance Code as a person who purchases a consumers debt from a creditor. Please see the statute for a full definition. \n\nYou still owe time-barred debts, but creditors and debt buyers lose their most powerful way of collecting a lawsuit. \n\nTexas and Federal Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.\n\nSection 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. \nTitle 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. Debt collectors in this code are defined in section 1006.2 ( i ) and can include the original creditor if they are using a different name. \nUnderstanding the Law What is a statute of limitations on a debt? \nThis page from the Consumer Financial Protection Bureau explains the concept of the statute of limitations and how it relates to debt. \nWhat is Time-Barred Debt? \nThis page explains the concept of \" time-barred debts '' and suggests options for dealing with a creditor, third-party debt collector, or debt buyer trying to collect them. \nDebt Buyers Prohibited from Suing to Collect and Reviving Old Debts ( XXXX XXXXXXXX ) This article describes the XXXX changes and provides legal aid options as well as links to legal forms. XXXX XXXXXXXX is a nonprofit organization described as a \" public interest justice center ''. \nDebt Scavengers and Zombie Debt Unscrupulous creditors, third-party debt collectors, or debt buyers will try to intimidate you into paying debts that are past the statute of limitations. Read this page from XXXX to learn your rights when it comes to these old debts. \n\n\nAND Texas Laws Against Aggressive Debt Collection When it comes to debt collection, consumers have a variety of options to protect themselves against unlawful debt collectors. A XXXX law in Texas strengthened the rights of consumers against debt collection and maintained the states short statute of limitations. A Texas statute of limitations on debt is the amount of time a company or person has to pursue legal action against another. If enough time has passed, then the statute of limitations means that companies can no longer sue people for their debts. Luckily, Texas has laws on the books to protect people against debt and the laws are in the favor of the consumer. With the help of an attorney, there are ways to overcome these lawsuits and defeat the creditors. \n\nWhen people receive letters or summons in the mail about an old unpaid debt, it can inspire fear and panic. A person in debt may still be in a position where they are unable to resolve the debt and the collection attempts can bring up trauma. In the case of old debts, or what some people call zombie debts because of how debt collectors never ceased to collect on them, companies can still aggressively attempt to collect on the debt. However, as a response to this, many states like Texas implement a statute of limitations to protect citizens who can not pay or do not want to pay the debt collector. \n\nWhat is the Texas Statue of Limitations?\n\nThe Statute of Limitations is a Texas law that states that if you owe unpaid debt such as credit card debt or consumer debt, the collector only has four years to bring a debt collection lawsuit against you. Bringing a Debt Lawsuit in a Texas Court is the debtor collectors strongest method for collecting. So removing this option for the creditor is significant.\n\nThis Texas law is governed by Section 16.004 of the Texas Civil Practice and Remedies Code. When you have a credit card, you have a contract with the credit card company where you promise to pay the credit card company. A written contract is not required. So if you stop paying the credit card, the credit card company can file a lawsuit against you to collect the debt under the theory of breach of contract. However, if the debt collector does not file a lawsuit within four years of the breach of contract, then they can not file the lawsuit to collect the debt. This debt is now known as time-barred debt. If the creditor files a lawsuit against you after the four years, they are violating the Texas Debt Collection Law, and you can initiate retaliatory legal action, and have a strong case for getting the lawsuit dismissed.\n\nWhat Is Time Barred Debt?\n\nTime-barred debt is debt that can not be collected through legal action anymore due to the expiration of the 4-year statute of limitations. The creditor can still attempt to collect the debt and report it on your credit report, but they can not bring a lawsuit against you and so they can not obtain a Judgement against you either. \n\nThe company can no longer threaten to sue you and forcibly collect the old debt through a lawsuit before you can organize your finances. In essence, the bank can not force you to settle the debt before you are ready and can not drag an individual into court when it is clear the individual can not pay. \n\nAvoiding Illegal Collection Restarts It is also important to remember that this XXXX law also included a Section that introduced the idea of time-barred debt. Once the statute of limitations has passed on the debt in Texas, then collectors can not chase consumers for it. The old debts are considered time-barred, which means that they are off-limits. In some states, companies abuse their consumers by frightening the individuals into promising to pay their debts or even acknowledging the debts. This is a trick to allow the company the right to restart the clock on collections and continue harassing the person into payment. They call this zombie debt. \n\nLuckily, Texas law contains provisions that outlaw companies from restarting the debt. Even if you attempt to pay the debt at one time, they can no longer threaten you with legal action. Although you may still owe the debt on the books unless you file for bankruptcy or settle with the company, they lose their most powerful weapon of intimidation thanks to powerful Texas laws that protect vulnerable consumers. \n\nHow Do You Calculate The Statute Of Limitations? \nThe statute of limitations is four years since the date of the breach of the contract. So when does this breach actually happen? As a rule of thumb, the date of breach is about 30 days after the last time you paid the debt.\n\nTo illustrate this, lets say you have a credit card bill where the minimum payment is due on the first day of each month. You pay your XX/XX/XXXX minimum payment and you are current on your credit card bill. Then you do not make your XX/XX/XXXX and all future subsequent payments. Your last payment was XX/XX/XXXX, but you did not breach your contract until at least XX/XX/XXXX when you missed your first credit card payment. So if a client presented these facts to me, I would advise them that the statute of limitations clock did not start counting until at least XX/XX/XXXX. When it is a close call like this, you should really get your ducks in a row by pulling your credit report and reviewing it to determine your last payment. \n\nGoing into debt itself can be one of the most difficult things about adult life. If you find yourself facing a lawsuit or experiencing harassment over a debt that could potentially be barred by the statute of limitations, please dont hesitate to reach out to our law office. Were here to assist individuals facing financial difficulties. Our team can support you by actively challenging your creditors, exploring potential settlements, or providing guidance on the bankruptcy process. Rest assured, were dedicated to finding the right solution for your specific situation, and were here to help you in your fight against creditors. \n\nAND What Debt Collectors Cant Do Debt collectors are regulated by the Texas Debt Collection Act. Among other things, the Act prohibits debt collectors from : Using abusive collection tactics, including : threatening violence or other criminal acts using profane or obscene language falsely accusing the consumer of fraud or other crimes threatening arrest of the consumer, or repossession or other seizure of property without proper court proceedings using the telephone to harass debtors by calling anonymously or making repeated or continuous calls making collect telephone calls without disclosing the true name of the caller before the charges are accepted Using fraudulent collection tactics, including : using a false name or identification misrepresenting the amount of the debt or its judicial status sending documents to a debtor that falsely appear to be from a court or other official agency failing to identify who holds the debt misrepresenting the nature of the services rendered by the collection agency or the collector falsely representing that the collector has information or something of value in order to discover information about the consumer Trying to collect more than the amount originally agreed upon. ( But remember : your debt can grow by the addition of fees e.g., collection fees, attorney fees, etc. ). \nViolators of the Texas Debt Collection Act are subject to criminal and civil penalties. If you think you have been harassed or deceived, you can even seek injunctions and damages against debt collectors. \n\nThese actions are also violations of the Texas Deceptive Trade Practices/Consumer Protection Act, which gives the Attorney General the authority to take action in the public interest.","date_sent_to_company":"2024-02-06T17:39:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76016","tags":"Servicemember","has_narrative":true,"complaint_id":"8296715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T17:39:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["However, as a response to this, many states like <em>Texas</em> implement a statute of limitations to protect citizens who can not pay or do not want to pay the <em>debt</em> collector. \n\nWhat is the <em>Texas</em> Statue of Limitations?\n\nThe Statute of Limitations is a <em>Texas</em> law that states that if you owe unpaid <em>debt</em> such as credit card <em>debt</em> or consumer <em>debt</em>, the collector only has four years to bring a <em>debt</em> collection <em>lawsuit</em> <em>against</em> you."]},"sort":[21.809105,"8296715"]},{"_index":"complaint-public-v1","_id":"9179898","_score":20.450443,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX, am writing to address a matter of great concern regarding a lawsuit filed against me by Discover Bank/XXXX XXXX XXXXXXXX XXXX It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. \n\nFirstly, I would like to highlight special exceptions that I have never been served with any court papers or legal documents pertaining to this lawsuit. The address where I was allegedly served is a previous residence lease of mine, and I have not resided there for 3 months. The address for my previous residence lease was XXXX XXXX XXXX, XXXX XXXX, TX XXXX, and that specific lease ended on XX/XX/XXXX. \nDespite this, I was made aware of the alleged lawsuit through attorney advertisement received via mail on XX/XX/XXXX, which prompt me to send an email to all XXXX XXXX Courts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Administrative Assistant responded to my email and instructed me to contact the XXXX XXXX XXXX XXXX XXXX XXXX for assistance. On XX/XX/XXXX I re- sent the original email to the XXXX of the XXXX XXXX ( XXXX ) and called office number listed XXXX but was unable to reach anyone. \n\nOn XX/XX/XXXX I called the office listed XXXX number once more and was kindly helped by a gentleman, representative of the XXXX XXXX XXXX XXXX XXXX, whom answered my questions in regard to alleged filed suit Case No. XXXX. The representative of the XXXX XXXX XXXX XXXX XXXX also provided court email XXXX, and made me aware that it was noted that I was allegedly served on XX/XX/XXXX. I was flabbergasted and made the representative of the XXXX XXXX XXXX XXXX XXXX aware of false reporting of being served. Furthermore, the description provided regarding the person served does not match my physical appearance in any way. As a tall XXXX '' XXXX  individual with XXXX ( specifically I have been a XXXX  since XX/XX/XXXX which is recorded on XXXX app ), the description of a short XXXX '' XXXX female with XXXX hair is entirely inaccurate. \n\nUpon further investigation, on XX/XX/XXXX I contacted Discover Bank via XXXX XXXX directly to inquire about the status of the debt, their manager representative XXXX found no account that was associated with my social number. I then contacted Discover Credit Financial Service via XXXX XXXX and their representative XXXX XXXX my account was in charged off, and closed. I then contacted Discover Charge Off team supervisor XXXX and he notified me that my credit account was closed on XX/XX/XXXX and charged off on XX/XX/XXXX. XXXX then stated it was then given to a third party collection agency in XX/XX/XXXX, and that third party 's contract stated that Discover could no longer disclose any due balance at time of charge off, couldnt send my original card member agreement, or provide any information on the matter of my account. Supervisor XXXX also confirmed my address on file to be my current lease residence ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX ), and that it was noted in the system. \n\nThe actions of Discover XXXX XXXX XXXX XXXX XXXX legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : XXXX. Texas Rules of Civil Procedure : Rule 106 : Service of Process. \nRule XXXX : Citation by Publication. Rule XXXX : Service on Individuals. \n\n2. Texas Finance Code, Title 5. Protection of Consumers of Financial Services : XXXX : Unfair or Deceptive Acts or Practices. \nXXXX : Prohibited Practices. \n\nXXXX. Texas Debt Collection Act : XXXX : Prohibited Practices by Debt Collector. \n\nXXXX. Fair Debt Collection Practices Act ( FDCPA ) : XXXX : False or Misleading Representations. \nXXXX : Unfair Practices. \nXXXX : Validation of Debts. \n\nFailure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of the third party collection agency Discover XXXX XXXX XXXX to adhere to legal requirements. \n\nFailure to Provide Required Disclosures : Discover XXXX XXXX XXXX must provide certain disclosures to debtors, including the amount of the debt, the name of the creditor, and the debtor 's rights under the law. Failure to provide these disclosures constitute a violation of Chapter XXXX. \n\nFalse Statements of Service : If the third party collection agency Discover XXXX XXXX XXXX has falsely claimed to have served me, it would constitute a violation of Texas laws governing service of process. \n\nFalse Representations : Debt collectors can not make false or misleading statements to collect a debt, such as third party collection agency Discover XXXX XXXX XXXX XXXX XXXX was served in order to have a lawsuit active without my knowledge. \n\nContacting Third Parties : Debt collectors are prohibited from disclosing information about a debt to third parties without the debtor 's consent. Discover XXXX XXXX XXXX XXXX this when my official court paperwork, potentially containing sensitive information, was served to a female described as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDeceptive Practices : Discover XXXX XXXX XXXX process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. \n\nBy Discover XXXX XXXX XXXX XXXX XXXX XXXXalsely stating that I was served court papers, along with providing a grossly inaccurate description of the person allegedly served, I felt that Discover XXXX XXXX XXXX XXXX XXXX has demonstrated a pattern of deceptive and abusive behavior in violation of consumer protection laws. \n\nFurthermore, this has specifically made me suffer mental anguish through increase XXXX resulting in a relapse of XXXX and XXXX. Please note that I was diagnosed with a XXXX XXXXXXXX recognized in the Diagnostic and Statistical Manual of Mental Disorders- Fifth Edition ( XXXX ). Specifically, Depressive Disorder ; XXXX XXXX XXXX XXXX ( XXXX ). The diagnosis meets the definition of XXXX under the Americans with XXXX XXXX, and the Rehabilitation Act of XXXX, XXXX. I have yet been able to sleep past XXXX to XXXX hrs since XX/XX/XXXX due to all of this ( which simply feels like a nightmare ). Though I have hired XXXX XXXX, XXXX to help guide me through this, my mind is restless with XXXX  which causes me to stay on alert for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXp ). through the restless nights I have been on researching and studying my rights through \" Texas State Law Library, Texas Law Help, Texas Court Help, etc.. ''. The thought of other potential individuals who faced the same scenario of failing to be properly served according to Texas Civil procedure brought me into a XXXX. I felt so unheard by Discover Bank, and it further put me into a deep XXXX because this was my first and longest line of credit ''. \n\nI recently consulted with an experienced attorney who is knowledgeable about Texas civil procedure to help me understand if I was in the wrong on being mentally anguished by this improperly served lawsuit, or if my mental anguish was justified because the improperly served lawsuit was in violation of Texas XXXX procedure. \n\nThrough my XXXX consultation I learned that in Texas ( as in many other jurisdictions ) the responsibility for ensuring the validity of service in a lawsuit lies with the plaintiff ( party initiating the legal action ), rather than with the law firm representing the plaintiff. Failure to properly serve the defendant can result in delays, dismissal of the case, or other adverse consequences for the plaintiff. \n\nWhen the lawsuit was filed, the plaintiff ( Discover Bank ) automatically is responsible for properly serving the defendant ( XXXX XXXX ) with the necessary legal documents, such as the summons and complaint. \n\nThe plaintiff ( Discover Bank ) must ensure that service is carried out in accordance with the rules and procedures set forth by Texas law, which may include requirements regarding who can serve the documents, the method of service, and the timing of service. \n\nWhile the law firm XXXX XXXX XXXX XXXX, XXXX ) representing the plaintiff ( Discover Bank ) in a debt collection lawsuit may assist with the process of serving legal documents, ultimately it is the plaintiff ( Discover Bank ) responsibility to ensure that service is valid and compliant with the law. The plaintiff ( Discover Bank ) failed to properly serve the defendant ( XXXX XXXX ), ( which is probably why I received a \" Plaintiff 's Notice XXXX XXXX form, Certificate of Service dated XX/XX/XXXX form, Order of Nonsuit form '' today on XX/XX/XXXX through the mail. There was no explanation provided, and I am not yet knowledgable on what to do with these forms so I sent photos of mail to XXXX XXXX, XXXX so we could schedule a time for me to be educated on this specifically. It's important for me as the defendant to consult with my attorney experienced in debt collection and consumer protection laws to help me understand my rights and options in responding to this lawsuit with improper service ). \n\nFurthermore, I now know as of today XXXX, XXXX XXXX : Consequences of Plaintiff 's ( Discover Bank ) failing ensure that service is valid and compliant with the law : Dismissal of the Lawsuit : If the defendant raises the issue of improper service, the court may dismiss the lawsuit without prejudice, improper service may prevent the plaintiff from refiling the lawsuit.\n\nCosts and Fees : The defendant may be entitled to recover costs and attorney 's fees incurred in responding to the lawsuit due to the plaintiff 's failure to properly serve. \n\nLaws Broken by Plaintiff ( Discover Bank ) by failing to properly serve the defendant ( XXXX XXXX ) : Texas Rules of Civil Procedure : The plaintiff may have violated specific rules regarding service of process outlined in the Texas Rules of Civil Procedure, such as Rule XXXX, which governs the methods of service. \n\nFair Debt Collection Practices Act ( FDCPA ) : Depending on the circumstances, the plaintiff 's failure to properly serve the defendant may violate certain provisions of the FDCPA, such as engaging in unfair or deceptive practices. \n\n\nDefendant 's ( XXXX XXXX ) Rights : Right to Proper Service : The defendant has the right to be properly served with legal documents in accordance with Texas law and due process requirements. \n\nRight to Defend : The defendant has the right to defend against the lawsuit and raise any defenses or objections, including improper service. \n\nRight to XXXX XXXX Damages : If the defendant can demonstrate that the plaintiff 's failure to properly serve caused them mental anguish, they may have the right to pursue damages for emotional distress under certain circumstances. \n\nNow that I know all of the above, I will seek legal advice from an attorney experienced in debt collection and consumer protection laws to ensure I fully understand and comprehend my rights, potential damages, and options for recourse in this situation. \n\n\n________________________________________ -- XXXX Dear XXXX XXXX, Thank you for your prompt response addressing my concerns regarding the lawsuit initiated by Discover XXXX XXXX XXXX XXXX While I acknowledge your efforts to explain the situation, I still have reservations about the handling of this matter. \n\nGiven the gravity of the issues raised in my complaint, it's imperative for me to seek guidance from an experienced law firm. Therefore, I will be consulting with XXXX XXXX, XXXX. It is concerning that the lawsuit was initiated and service was effectuated without any notice of my new address being considered. As a result, I was unaware of the legal proceedings until I received attorney advertisements in the mail, prompting my inquiry. I also dispute your claim that attempts were made to contact me by telephone, as I have no record of such attempts. \n\nI appreciate your willingness to discontinue the lawsuit without prejudice, but I must insist on a thorough investigation into the alleged violations of Texas laws and consumer protection statutes. It's crucial for me to have clarity on the validity of the debt and the propriety of the legal proceedings. \n\nMoreover, the information provided by Discover Bank contradicts your assertions. According to Discover 's records, my account was charged off and closed in XXXX, and there is no active account associated with my social security number. This raises serious doubts about the validity of the debt in question. \n\nGiven these discrepancies and the potential violations of Texas laws and consumer protection statutes, I remain deeply troubled by the actions of XXXX XXXX XXXX. While I appreciate your offer to resolve the debt on mutually agreeable terms, I insist on a thorough investigation into this matter to ensure that my rights are protected and that any inaccuracies are rectified. \n\nI trust that you will take my concerns seriously and work towards a resolution that is fair and just. I will keep you informed of any developments following my consultation with XXXX XXXX, XXXX, and I remain open to resolving this matter on mutually agreeable terms. \n\nSincerely, XXXX.","date_sent_to_company":"2024-06-06T09:35:52.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"9179898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-06-06T09:35:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["False Representations : <em>Debt</em> collectors can not make false or misleading statements to collect a <em>debt</em>, such as third party collection agency Discover XXXX XXXX XXXX XXXX XXXX was served in order to have a <em>lawsuit</em> active <em>without</em> my knowledge. \n\nContacting Third Parties : <em>Debt</em> collectors are prohibited from disclosing information about a <em>debt</em> to third parties <em>without</em> the debtor 's consent."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[20.450443,"9179898"]},{"_index":"complaint-public-v1","_id":"9179941","_score":20.31794,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX, am writing to address a matter of great concern regarding a lawsuit filed against me by XXXX XXXXZwicker & Associates . It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. \n\nFirstly, I would like to highlight special exceptions that I have never been served with any court papers or legal documents pertaining to this lawsuit. The address where I was allegedly served is a previous residence lease of mine, and I have not resided there for 3 months. The address for my previous residence lease was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and that specific lease ended on XX/XX/XXXX. \nDespite this, I was made aware of the alleged lawsuit through attorney advertisement received via mail on XX/XX/XXXX, which prompt me to send an email to all XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Administrative Assistant responded to my email and instructed me to contact the XXXX XXXX XXXX XXXX XXXX XXXX for assistance. On XX/XX/XXXX I re- sent the original email to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and called office number listed XXXX but was unable to reach anyone. \n\nOn XX/XX/XXXX I called the office listed XXXX number once more and was kindly helped by a gentleman, representative of the XXXX XXXX XXXX XXXX XXXX, whom answered my questions in regard to alleged filed suit Case No. XXXX. The representative of the XXXX XXXX XXXX XXXX XXXX also provided court email XXXX, and made me aware that it was noted that I was allegedly served on XX/XX/XXXX. I was flabbergasted and made the representative of the XXXX XXXX XXXX XXXX XXXX aware of false reporting of being served. Furthermore, the description provided regarding the person served does not match my physical appearance in any way. As a tall XXXX '' white/hispanic individual with blonde ( specifically I have been a blonde since XX/XX/XXXX which is recorded on XXXX XXXX  ), the description of a short XXXX '' XXXX XXXX XXXX XXXX XXXX is entirely inaccurate. \n\nUpon further investigation, on XX/XX/XXXX I contacted XXXX XXXX  via XXXX XXXX directly to inquire about the status of the debt, their manager representative XXXX found XXXX account that was associated with my social number. I then contacted XXXX XXXX XXXX XXXX via XXXX XXXX and their representative XXXX XXXX my account was in charged off, and closed. I then contacted XXXX XXXX XXXX team supervisor XXXX and he notified me that my credit account was closed on XX/XX/XXXX and charged off on XX/XX/XXXX. XXXX then stated it was then given to a third party collection agency in XX/XX/XXXX, and that third party 's contract stated that XXXX could no longer disclose any due balance at time of charge off, couldnt send my original card member agreement, or provide any information on the matter of my account. Supervisor XXXX also confirmed my address on file to be my current lease residence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ), and that it was noted in the system. \n\nThe actions of XXXX XXXX/Zwicker & Associates raise serious legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : XXXX. Texas XXXX of XXXX XXXX : Rule XXXX : Service of Process. \nRule XXXX : Citation by Publication. Rule XXXX : Service on Individuals. \n\nXXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : Unfair or Deceptive Acts or Practices. \nXXXX : Prohibited Practices. \n\nXXXX. Texas Debt Collection Act : XXXX : Prohibited Practices by Debt Collector. \n\nXXXX. Fair Debt Collection Practices Act ( FDCPA ) : XXXX : False or Misleading Representations. \nXXXX : Unfair Practices. \nXXXX : Validation of Debts. \n\nFailure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of the XXXX XXXX XXXX XXXX XXXX XXXXZwicker & Associates to adhere to legal requirements. \n\nFailure to Provide Required Disclosures : XXXX XXXXZwicker & Associates must provide certain disclosures to debtors, including the amount of the debt, the name of the creditor, and the debtor 's rights under the law. Failure to provide these disclosures constitute a violation of Chapter XXXX. \n\nXXXX XXXX XXXX XXXX : If the third party collection agency XXXX XXXX/Zwicker & Associates has falsely claimed to have served me, it would constitute a violation of Texas laws governing service of process.\n\nFalse Representations : Debt collectors can not make false or misleading statements to collect a debt, such as XXXX XXXX XXXX XXXX XXXX XXXXZwicker & Associates stating I was served in order to have a lawsuit active without my knowledge. \n\nContacting Third Parties : Debt collectors are prohibited from disclosing information about a debt to third parties without the debtor 's consent. XXXX XXXXZwicker & Associates violated this when my official court paperwork, potentially containing sensitive information, was served to a female described as a short XXXX '' XXXX female with XXXX hair. \n\nDeceptive Practices : XXXX XXXXZwicker & Associates process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. \n\nBy XXXX XXXXZwicker & Associates Process Service falsely stating that I was served court papers, along with providing a grossly inaccurate description of the person allegedly served, I felt that XXXX XXXXZwicker & Associates process service has demonstrated a pattern of deceptive and abusive behavior in violation of consumer protection laws.\n\nFurthermore, this has specifically made me suffer mental anguish through increase XXXX  resulting in a relapse of XXXX and XXXX. Please note that I was diagnosed with a XXXX XXXXXXXX recognized in the Diagnostic and Statistical Manual of XXXX XXXX- Fifth Edition ( XXXX ). Specifically, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ). The diagnosis meets the definition of XXXX under the Americans with XXXX XXXX, and the XXXX XXXX of XXXX, XXXX. I have yet been able to sleep past XXXX to XXXX hrs since XX/XX/XXXX due to all of this ( which simply feels like a nightmare ). Though I have hired XXXX XXXX, XXXX to help guide me through this, my mind is restless with anxiety which causes me to stay on alert for XXXX hr before my mind physically shutting down to sleep ( which my body automatically jumps up into alert mode after XXXX of sleep ). through the restless nights I have been on researching and studying my rights through \" Texas XXXX XXXX XXXX, Texas XXXX Help, Texas XXXX Help, etc.. ''. The thought of other potential individuals who faced the same scenario of failing to be properly served according to Texas XXXX procedure brought me into a XXXX. I felt so unheard by XXXX XXXX, and it further put me into a deep XXXX because this was my first and longest line of credit ''. \n\nI recently consulted with an experienced attorney who is knowledgeable about Texas civil procedure to help me understand if I was in the wrong on being mentally anguished by this improperly served lawsuit, or if my mental anguish was justified because the improperly served lawsuit was in violation of Texas XXXX procedure. \n\nThrough my XXXX consultation I learned that in Texas XXXX as in many other jurisdictions ) the responsibility for ensuring the validity of service in a lawsuit lies with the plaintiff ( party initiating the legal action ), rather than with the law firm representing the plaintiff. Failure to properly serve the defendant can result in delays, dismissal of the case, or other adverse consequences for the plaintiff. \n\nWhen the lawsuit was filed, the plaintiff ( XXXX XXXX  ) automatically is responsible for properly serving the defendant ( XXXX XXXX ) with the necessary legal documents, such as the summons and complaint. \n\nThe plaintiff ( XXXX XXXX  ) must ensure that service is carried out in accordance with the rules and procedures set forth by Texas law, which XXXX include requirements regarding who can serve the documents, the method of service, and the timing of service. \n\nWhile the law firm XXXX Zwicker & Associates, XXXX ) representing the plaintiff ( XXXX XXXX  ) in a debt collection lawsuit XXXX assist with the process of serving legal documents, ultimately it is the plaintiff ( XXXX XXXX  ) responsibility to ensure that service is valid and compliant with the law. The plaintiff ( XXXX XXXX  ) failed to properly serve the defendant ( XXXX XXXX ), ( which is probably why I received a \" Plaintiff 's Notice XXXX XXXX form, Certificate of Service dated XX/XX/XXXX form, Order of Nonsuit form '' today on XX/XX/XXXX through the mail. There was no explanation provided, and I am not yet knowledgable on what to do with these forms so I sent photos of mail to XXXX XXXX, XXXX so we could schedule a time for me to be educated on this specifically. It's important for me as the defendant to consult with my attorney experienced in debt collection and consumer protection laws to help me understand my rights and options in responding to this lawsuit with improper service ). \n\nFurthermore, I now know as of today XXXX, XXXX XXXX : Consequences of Plaintiff 's ( XXXX XXXX  ) failing ensure that service is valid and compliant with the law : Dismissal of the Lawsuit : If the defendant raises the issue of improper service, the court may dismiss the lawsuit without prejudice, improper service may prevent the plaintiff from refiling the lawsuit.\n\nCosts and Fees : The defendant may be entitled to recover costs and attorney 's fees incurred in responding to the lawsuit due to the plaintiff 's failure to properly serve. \n\nLaws Broken by Plaintiff ( XXXX XXXX  ) by failing to properly serve the defendant ( XXXX XXXX ) : Texas Rules of Civil Procedure : The plaintiff XXXX have violated specific rules regarding service of process outlined in the Texas Rules of Civil Procedure, such as Rule XXXX, which governs the methods of service. \n\nFair Debt Collection Practices Act ( FDCPA ) : Depending on the circumstances, the plaintiff 's failure to properly serve the defendant XXXX violate certain provisions of the FDCPA, such as engaging in unfair or deceptive practices. \n\n\nDefendant 's ( XXXX XXXX ) Rights : Right to Proper Service : The defendant has the right to be properly served with legal documents in accordance with Texas XXXX and due process requirements. \n\nRight to Defend : The defendant has the right to defend against the lawsuit and raise any defenses or objections, including improper service. \n\nRight to XXXX XXXX Damages : If the defendant can demonstrate that the plaintiff 's failure to properly serve caused them mental anguish, they XXXX have the right to pursue damages for emotional distress under certain circumstances. \n\nNow that I know all of the above, I will seek legal advice from an attorney experienced in debt collection and consumer protection laws to ensure I fully understand and comprehend my rights, potential damages, and options for recourse in this situation. \n\n\n________________________________________ -- XXXX Dear XXXX XXXX, Thank you for your prompt response addressing my concerns regarding the lawsuit initiated by XXXX XXXXZwicker & Associates . While I acknowledge your efforts to explain the situation, I still have reservations about the handling of this matter. \n\nGiven the gravity of the issues raised in my complaint, it's imperative for me to seek guidance from an experienced law firm. Therefore, I will be consulting with XXXX XXXX, XXXX. It is concerning that the lawsuit was initiated and service was effectuated without any notice of my new address being considered. As a result, I was unaware of the legal proceedings until I received attorney advertisements in the mail, prompting my inquiry. I also dispute your claim that attempts were made to contact me by telephone, as I have no record of such attempts. \n\nI appreciate your willingness to discontinue the lawsuit without prejudice, but I must insist on a thorough investigation into the alleged violations of Texas laws and consumer protection statutes. It's crucial for me to have clarity on the validity of the debt and the propriety of the legal proceedings. \n\nMoreover, the information provided by XXXX XXXX  contradicts your assertions. According to XXXX 's records, my account was charged off and closed in XXXX, and there is no active account associated with my social security number. This raises serious doubts about the validity of the debt in question. \n\nGiven these discrepancies and the potential violations of Texas laws and consumer protection statutes, I remain deeply troubled by the actions of Zwicker & Associates. While I appreciate your offer to resolve the debt on mutually agreeable terms, I insist on a thorough investigation into this matter to ensure that my rights are protected and that any inaccuracies are rectified. \n\nI trust that you will take my concerns seriously and work towards a resolution that is fair and just. I will keep you informed of any developments following my consultation with XXXX XXXX, XXXX, and I remain open to resolving this matter on mutually agreeable terms. \n\nSincerely, XXXX.","date_sent_to_company":"2024-06-06T09:35:47.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"9179941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2024-06-06T09:15:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX : If the third party collection agency XXXX XXXX/Zwicker & Associates has falsely claimed to have served me, it would constitute a violation of <em>Texas</em> laws governing service of process.\n\nFalse Representations : <em>Debt</em> collectors can not make false or misleading statements to collect a <em>debt</em>, such as XXXX XXXX XXXX XXXX XXXX XXXXZwicker & Associates stating I was served in order to have a <em>lawsuit</em> active <em>without</em> my knowledge."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[20.31794,"9179941"]},{"_index":"complaint-public-v1","_id":"9182045","_score":19.916967,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX, am writing to address a matter of great concern regarding a lawsuit filed against me by Discover BankXXXX XXXX XXXX XXXX It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. \n\nFirstly, I would like to highlight special exceptions that I have never been served with any court papers or legal documents pertaining to this lawsuit. The address where I was allegedly served is a previous residence lease of mine, and I have not resided there for 3 months. The address for my previous residence lease was XXXX XXXX XXXX, XXXX XXXX, TX XXXX, and that specific lease ended on XX/XX/XXXX. \nDespite this, I was made aware of the alleged lawsuit through attorney advertisement received via mail on XX/XX/XXXX, which prompt me to send an email to all XXXX XXXXXXXX XXXX ( XXXX, cc-inquiry XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Administrative Assistant responded to my email and instructed me to contact the XXXX XXXX XXXX XXXX XXXX XXXX for assistance. On XX/XX/XXXX I re- sent the original email to the XXXX of the XXXX XXXX ( XXXX ) and called office number listed XXXX but was unable to reach anyone. \n\nOn XX/XX/XXXX I called the office listed XXXX number once more and was kindly helped by a gentleman, representative of the XXXX XXXX XXXX XXXX XXXX, whom answered my questions in regard to alleged filed suit Case No. XXXX. The representative of the XXXX XXXX XXXX XXXX XXXX also provided court email XXXX, and made me aware that it was noted that I was allegedly served on XX/XX/XXXX. I was flabbergasted and made the representative of the XXXX XXXX XXXX XXXX XXXX aware of false reporting of being served. Furthermore, the description provided regarding the person served does not match my physical appearance in any way. As a tall XXXX 'XXXX XXXX XXXX XXXX XXXX ( specifically I have been a XXXX  since XX/XX/XXXX which is recorded on XXXX XXXX  ), the description of a short XXXX '' XXXX XXXX  with XXXX hair is entirely inaccurate. \n\nUpon further investigation, on XX/XX/XXXX I contacted Discover Bank via XXXX XXXX directly to inquire about the status of the debt, their manager representative XXXX found XXXX account that was associated with my social number. I then contacted Discover  XXXX XXXX XXXX via XXXX XXXX and their representative XXXX XXXX my account was in charged off, and closed. I then contacted Discover Charge XXXX team supervisor XXXX and he notified me that my credit account was closed on XX/XX/XXXX and charged off on XX/XX/XXXX. XXXX then stated it was then given to a third party collection agency in XX/XX/XXXX, and that third party 's contract stated that Discover could no longer disclose any due balance at time of charge off, couldnt send my original card member agreement, or provide any information on the matter of my account. Supervisor XXXX also confirmed my address on file to be my current lease residence ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX ), and that it was noted in the system. \n\nThe actions of Discover XXXX XXXX XXXX XXXX serious legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : 1. Texas Rules of Civil Procedure : Rule 106 : Service of Process. \nRule 501.3 : Citation by Publication. Rule 502.2 : Service on Individuals.\n\n2. Texas Finance Code, Title 5. Protection of Consumers of Financial Services : 392.304 : Unfair or Deceptive Acts or Practices.\n\n392.301 : Prohibited Practices.\n\n3. Texas Debt Collection Act : 392.301 : Prohibited Practices by Debt Collector.\n\n4. Fair Debt Collection Practices Act ( FDCPA ) : 807 : False or Misleading Representations.\n\n808 : Unfair Practices.\n\n809 : Validation of Debts.\n\nFailure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of the third party collection agency Discover XXXX XXXX XXXX XXXX XXXX to legal requirements. \n\nFailure to Provide Required Disclosures : Discover XXXX XXXX XXXX XXXX XXXX certain disclosures to debtors, including the amount of the debt, the name of the creditor, and the debtor 's rights under the law. Failure to provide these disclosures constitute a violation of Chapter 392.\n\nFalse Statements of Service : If the third party collection agency Discover XXXX XXXX XXXX has XXXX claimed to have served me, it would constitute a violation of Texas laws governing service of process. \n\nFalse Representations : Debt collectors can not make false or misleading statements to collect a debt, such as third party collection agency Discover XXXX XXXX XXXX XXXX XXXX was served in order to have a lawsuit active without my knowledge. \n\nContacting Third Parties : Debt collectors are prohibited from disclosing information about a debt to third parties without the debtor 's consent. Discover XXXX XXXX XXXX XXXX this when my official court paperwork, potentially containing sensitive information, was served to a XXXX  described as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nDeceptive Practices : Discover XXXX XXXX XXXX process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. \n\nBy Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I was served court papers, along with providing a grossly inaccurate description of the person allegedly served, I felt that Discover XXXX XXXX XXXX XXXX XXXX has demonstrated a pattern of deceptive and abusive behavior in violation of consumer protection laws.\n\nFurthermore, this has specifically made me suffer mental anguish through increase anxiety resulting in a relapse of XXXX and XXXX. Please note that I was diagnosed with a mental/emotional XXXX recognized in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The diagnosis meets the definition of XXXX under the Americans with XXXX XXXX, and the XXXX XXXX of XXXX, XXXX. I have yet been able to sleep past XXXX to XXXX hrs since XX/XX/XXXX due to all of this ( which simply feels like a nightmare ). Though I have hired XXXX XXXX, XXXX to help guide me through this, my mind is restless with anxiety which causes me to stay on alert for XXXX hr before my mind physically shutting down to sleep ( which my body automatically jumps up into alert mode after XXXX of sleep ). through the restless nights I have been on researching and studying my rights through \" Texas State Law Library, Texas Law Help, Texas Court Help, etc.. ''. The thought of other potential individuals who faced the same scenario of failing to be properly served according to Texas XXXX procedure brought me into a XXXX. I felt so unheard by Discover Bank, and it further put me into a deep XXXX because this was my first and longest line of credit ''. \n\nI recently consulted with an experienced attorney who is knowledgeable about Texas civil procedure to help me understand if I was in the wrong on being mentally anguished by this improperly served lawsuit, or if my mental anguish was justified because the improperly served lawsuit was in violation of Texas XXXX procedure. \n\nThrough my XXXX consultation I learned that in Texas XXXX as in many other jurisdictions ) the responsibility for ensuring the validity of service in a lawsuit lies with the plaintiff ( party initiating the legal action ), rather than with the law firm representing the plaintiff. Failure to properly serve the defendant can result in delays, dismissal of the case, or other adverse consequences for the plaintiff. \n\nWhen the lawsuit was filed, the plaintiff ( Discover Bank ) automatically is responsible for properly serving the defendant ( XXXX XXXX ) with the necessary legal documents, such as the summons and complaint. \n\nThe plaintiff ( Discover Bank ) must ensure that service is carried out in accordance with the rules and procedures set forth by Texas law, which XXXX include requirements regarding who can serve the documents, the method of service, and the timing of service. \n\nWhile the law firm XXXX XXXX XXXX XXXX, XXXX ) representing the plaintiff ( Discover Bank ) in a debt collection lawsuit XXXX assist with the process of serving legal documents, ultimately it is the plaintiff ( Discover Bank ) responsibility to ensure that service is valid and compliant with the law. The plaintiff ( Discover Bank ) failed to properly serve the defendant ( XXXX XXXX ), ( which is probably why I received a \" Plaintiff 's Notice XXXX XXXX form, Certificate of Service dated XX/XX/XXXX form, Order of Nonsuit form '' today on XX/XX/XXXX through the mail. There was no explanation provided, and I am not yet knowledgable on what to do with these forms so I sent photos of mail to XXXX XXXX, XXXX so we could schedule a time for me to be educated on this specifically. It's important for me as the defendant to consult with my attorney experienced in debt collection and consumer protection laws to help me understand my rights and options in responding to this lawsuit with improper service ). \n\nFurthermore, I now know as of today XXXX, XXXX XXXX : Consequences of Plaintiff 's ( Discover Bank ) failing ensure that service is valid and compliant with the law : Dismissal of the Lawsuit : If the defendant raises the issue of improper service, the court XXXX dismiss the lawsuit without prejudice, improper service XXXX prevent the plaintiff from refiling the lawsuit. \n\nCosts and Fees : The defendant XXXX be entitled to recover costs and attorney 's fees incurred in responding to the lawsuit due to the plaintiff 's failure to properly serve. \n\nLaws Broken by Plaintiff ( Discover Bank ) by failing to properly serve the defendant ( XXXX XXXX ) : Texas Rules of Civil Procedure : The plaintiff XXXX have violated specific rules regarding service of process outlined in the Texas Rules of Civil Procedure, such as Rule XXXX, which governs the methods of service. \n\nFair Debt Collection Practices Act ( FDCPA ) : Depending on the circumstances, the plaintiff 's failure to properly serve the defendant XXXX violate certain provisions of the FDCPA, such as engaging in unfair or deceptive practices. \n\n\nDefendant 's ( XXXX XXXX ) Rights : Right to Proper Service : The defendant has the right to be properly served with legal documents in accordance with Texas XXXX and due process requirements. \n\nRight to Defend : The defendant has the right to defend against the lawsuit and raise any defenses or objections, including improper service. \n\nRight to XXXX XXXX Damages : If the defendant can demonstrate that the plaintiff 's failure to properly serve caused them mental anguish, they XXXX have the right to pursue damages for emotional distress under certain circumstances. \n\nNow that I know all of the above, I will seek legal advice from an attorney experienced in debt collection and consumer protection laws to ensure I fully understand and comprehend my rights, potential damages, and options for recourse in this situation. \n\nADDITIONAL COMMENTS Dear XXXX, Thank you for your response regarding my concerns raised with the Consumer Financial Protection Bureau ( CFPB ). I appreciate your attention to this matter. Regarding the response from XXXX XXXX XXXX, XXXX, the law firm representing Discover Bank, I am unable to share it with you directly as per CFPB regulations. However, I would be happy to email it to you if approved by the CFPB. I have doubts about the accuracy of the alleged balance of due on my account, and I request a breakdown of this amount to clarify any discrepancies. Until this matter is resolved, I prefer to keep all communication regarding this issue through the Consumer Financial Protection Bureau, based on my previous experience with Discover Bank over the phone. To address the service issue, I request detailed information on the specific rules and procedures set forth by Texas law regarding service of documents for my type of account or situation. I seek clarification on how Discover Bank ensures compliance with Texas law regarding service procedures and what steps are taken to rectify any failures or discrepancies. Furthermore, I would like an update on the current status of my account in light of the service issue and any potential impacts on my account. Additionally, I seek information on the steps Discover Bank will take to address the failure to comply with Texas law and what recourse or options are available to me as a customer. Could you kindly provide contact information for a specific department or individual within Discover Bank who can assist me further with addressing this issue and ensuring compliance with Texas law? Lastly, I would like to inquire about how the failure to comply with Texas law may impact the status of my charged-off account and any related consequences. Additionally, I request information on available options for resolving the charged-off account and any potential impacts on my credit report or financial obligations. Thank you for your attention to these matters, and I look forward to your prompt response. Sincerely, A.G","date_sent_to_company":"2024-06-06T09:14:08.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"9182045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-06-06T09:02:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["False Representations : <em>Debt</em> collectors can not make false or misleading statements to collect a <em>debt</em>, such as third party collection agency Discover XXXX XXXX XXXX XXXX XXXX was served in order to have a <em>lawsuit</em> active <em>without</em> my knowledge. \n\nContacting Third Parties : <em>Debt</em> collectors are prohibited from disclosing information about a <em>debt</em> to third parties <em>without</em> the debtor 's consent."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[19.916967,"9182045"]},{"_index":"complaint-public-v1","_id":"12538096","_score":19.64973,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Portfolio Recovery Associates , LLC ( \" XXXX '' ) for numerous violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Texas Debt Collection Act ( Texas Finance Code 392.001 et seq. ), and other applicable laws. Portfolio Recovery Associates has engaged in deceptive, unfair, and abusive debt collection practices in their attempts to collect an alleged debt that I formally dispute. \nDETAILED ALLEGATIONS XXXX. XXXX XXXX and XXXX XXXX filed suit against me in XXXX XXXX ( XXXX XXXX ), which is not my county of residence. I reside in XXXX XXXX ( XXXX XXXX ), Texas. This improper venue selection violates 15 U.S.C. 1692i and Texas Civil Practice & Remedies Code 15.002, which require debt collection lawsuits to be filed in the county where the consumer resides or where the contract was signed. The service of process was also defective, as documented in the Return of Service ( page 15 of the exhibits ), which shows service was attempted at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an address unrelated to me. \n2. Statute of Limitations Violations The alleged debt is time-barred and PRA is prohibited from pursuing collection. According to the account documentation, the date of first delinquency was XX/XX/XXXX, the last payment date was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. Under Texas Civil Practice & Remedies Code 16.004, the four-year statute of limitations for credit card debt expired no later than XX/XX/XXXX, well before the current collection attempts. The continuing collection efforts on this time-barred debt violate 15 U.S.C. 1692e. \nXXXX. Failure to Validate Debt Despite my formal debt validation request sent on XX/XX/XXXX pursuant to 15 U.S.C. 1692g, PRA failed to properly validate the debt. My request specifically asked for : Proof of their registration as a debt collector in Texas Copy of their surety bond filing with the Texas XXXX of XXXX XXXX chain of title for the alleged debt Original account agreement and statements Documentation showing their authority to collect in Texas XXXX of the amount claimed Proof that the statute of limitations had not expired PRA responded with incomplete and insufficient documentation that fails to establish their legal right to collect this debt. \nXXXX. Incomplete and Defective Documentation The documentation provided by PRA contains numerous deficiencies : a ) Incomplete Bill of Sale : The purported bill of sale ( pages 39-40 ) contains blank spaces for critical information, including the purchase price. It fails to satisfy the requirements established in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX [ XXXX Dist. ] XXXX ). \nb ) Missing Forward Flow Agreement : Despite repeated references to a \" Forward Flow Receivable Sale Agreement dated XX/XX/XXXX, '' this document has never been provided, violating standards set in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Mo. XXXX ). \nc ) Failure to Identify Specific Account : The bill of sale references only an electronic file \" XXXX '' without any evidence that my specific account was included in this file, failing the standard set in XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX. XXXX, XXXX ). \nd ) Incomplete Account Statements : Only partial, discontinuous account statements were provided that fail to show the account 's full history, contrary to requirements in XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. App.Houston [ XXXX Dist. ] XXXX ). \nXXXX ) Inconsistent Balance Information : The claimed amount ( {$4100.00} ) differs from XXXX XXXX 's final balance ( {$4000.00} ) with no documentation explaining the {$130.00} difference, violating 15 U.S.C. 1692e ( 2 ) ( A ) and XXXX XXXX XXXX XXXX ( a ) ( XXXX ). \nXXXX. Continued Collection During Dispute PRA acknowledged receiving my dispute in their XX/XX/XXXX letter, stating \" Our office has not had sufficient time to complete an investigation of the dispute. '' Despite this acknowledgment and my formal dispute, PRA continued collection activities in violation of 15 U.S.C. 1692g ( b ), which requires cessation of collection activities until the debt is verified. This is evidenced by their pursuit of post-judgment discovery even while acknowledging the ongoing investigation. \nXXXX. Improper Default XXXX XXXX obtained a default judgment on XX/XX/XXXX, in a court lacking proper jurisdiction, and without providing proper service or establishing ownership of the debt. The circumstances surrounding this judgment suggest it was obtained through procedural irregularities. \nXXXX. Privacy Violations As noted in the debt validation rejection letter ( pages XXXX ), XXXX 's XXXX reveals they shared my partial Social Security Number ( ending in XXXX ) without my consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), and Texas Finance Code 392.304 ( a ) ( 12 ). \nXXXX. Misrepresentation of Registration Status Investigation has revealed that XXXX XXXX not be properly registered and bonded with the Texas XXXX of XXXX as required by XXXX XXXX XXXX XXXX. Operating without proper registration is a violation of Texas law. \nSUPPORTING DOCUMENTATION I have attached all relevant documentation supporting these claims, including : My formal debt validation request ( XX/XX/XXXX ) XXXX 's insufficient response ( XX/XX/XXXX ) My debt validation rejection letter ( XX/XX/XXXX ) XXXX 's acknowledgment of dispute ( XX/XX/XXXX ) Default judgment ( XX/XX/XXXX ) XXXX XXXX account statements showing inconsistent balances Bill of sale documentation with deficiencies Court citation showing incorrect venue Return of service showing improper service","date_sent_to_company":"2025-03-18T19:57:13.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"12538096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-03-18T19:29:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Improper Default XXXX XXXX obtained a default judgment on XX/XX/XXXX, in a court lacking <em>proper</em> jurisdiction, and <em>without</em> <em>providing</em> <em>proper</em> service or establishing ownership of the <em>debt</em>. The circumstances surrounding this judgment suggest it was obtained through procedural irregularities. \nXXXX."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[19.64973,"12538096"]},{"_index":"complaint-public-v1","_id":"6727861","_score":18.571882,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter \" GGR '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, GGR 's client claimed to have inadvertently paid my property taxes on a property I own. GGR claims this payment was made as a result of a scrivener 's error. To date, GGR has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the Treasurer will immediately issue a refund on account of mistake if asked. I advised the Treasurer that I have no objection to the issuance of a refund on the account if asked. I submitted to GGR and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked GGR to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. GGR refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to GGR and me being liable for a double payment. GGR continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. GGR has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.","date_sent_to_company":"2023-05-18T12:40:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"6727861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Greenberg, Grant & Richards Inc.","date_received":"2023-03-21T19:11:50.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, <em>Texas</em>, based <em>debt</em> collection company ( hereinafter \" GGR '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim <em>against</em> me for which I do not owe, and they have direct means of collection. More specifically, GGR 's client claimed to have inadvertently paid my property taxes on a property I own. GGR claims this payment was made as a result of a scrivener 's error."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.571882,"6727861"]},{"_index":"complaint-public-v1","_id":"6727809","_score":18.543,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter \" XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error. To date, XXXX has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the XXXX will immediately issue a refund on account of mistake if asked. I advised the XXXX that I have no objection to the issuance of a refund on the account if asked. I submitted to XXXX and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked XXXX to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. XXXX refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to XXXX  and me being liable for a double payment. XXXX continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. XXXX  has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.","date_sent_to_company":"2023-03-21T19:38:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"6727809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2023-03-21T19:38:36.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, <em>Texas</em>, based <em>debt</em> collection company ( hereinafter \" XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim <em>against</em> me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.543,"6727809"]},{"_index":"complaint-public-v1","_id":"11849414","_score":17.599714,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Conduct a Proper Investigation Regarding My Account with XXXX XXXX XXXX I am writing to formally address the continued failure of Experian Information Solutions , Inc. ( Experian ) is properly investigating my disputed account with XXXX XXXX XXXX. Furthermore, I wish to highlight the complicit actions of XXXX XXXX XXXX in presenting inaccurate financial information and Experians failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, and 5565.Chronology of Events & Legal ViolationsDispute InitiationOn XX/XX/XXXX, I submitted a formal dispute with Experian regarding inaccuracies related to my account with XXXX XXXX XXXX XXXX U.S. certified mail return receipt ( Tracking Number : XXXX ) .The item was delivered and picked up at a postal facility in XXXX XXXX, CA XXXX at XXXX AM on XX/XX/XXXX, XXXX was required under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and forward all relevant documentation to XXXX XXXX XXXX.Failure to Comply with FCRA and Texas Consumer Protection LawsExperian has violated multiple FCRA provisions, including : Duty to Ensure Accuracy ( 15 U.S.C. 1681e ) : Experian has failed to maintain reasonable procedures to assure maximum accuracy of reported information.Failure to Investigate Disputes ( 15 U.S.C. 1681i ) : Experian did not conduct a reasonable reinvestigation, as required, and failed to correct or delete inaccurate, incomplete, or unverifiable information.Improper Collection Account Reporting ( FCRA 1681a ( d ) ) : Experians continued inclusion of the disputed XXXX XXXX XXXX account in my credit report violates accuracy and fairness requirements.Violations of Address and Employment Accuracy Requirements ( FCRA 1681c ) : Outdated and inaccurate address and employment details remain uncorrected in my credit file.Liability for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : Experians willful or negligent failure to comply with these provisions subjects them to penalties, including statutory damages, punitive damages, and attorney fees.Experians actions also violateTexas Consumer Protection Laws, including : Texas Deceptive Trade Practices Act ( DTPA ) : False reporting and failure to reinvestigate disputes constitute deceptive and unconscionable practices.Texas Business & Commerce Code, Chapter 521 : Experians sharing of outdated and unverifiable personal information with third parties violates state privacy protections.Texas Finance Code 392.202 : Neglecting to verify collection accounts violates Texas ' accuracy and fairness standards for debt collection.Texas Business & Commerce Code 20.06-20.11 : Experian has failed to block fraudulent accounts, notify consumers of deletions, conduct timely reinvestigations, and prevent the reporting of obsolete information.Uncritical Acceptance of XXXX XXXX XXXX XXXX ResponseExperians reinvestigation consisted solely of forwarding my dispute to XXXX XXXX XXXX and accepting their response without further verification, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX XXXX has engaged in deceptive lending practices by failing to accurately assess financial conditions, as demonstrated inCase Number : XXXX class-action lawsuits.Failure to Notify and Provide Reinvestigation ResultsExperians ambiguous dispute resolution response violates 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), which mandates providing consumers with clear reinvestigation results.This lack of transparency also constitutesunfair and deceptive practices under 12 U.S.C. 5531 ( c ) ( 1 ) .Failure to Remove Inaccurate Information Despite EvidenceMy Experian credit report dated XX/XX/XXXX, still reflects the disputed XXXX XXXX XXXX account with incorrect details.This failure to delete or correct inaccurate data violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) .If Experian removed and later reinstated this disputed item without proper notification, it violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) .Pattern of Consumer Rights ViolationsXXXX XXXX XXXX has a documented history of consumer rights violations, including a {$430000.00} verdict against them for credit damage resulting from fraudulent reporting.Experian has been named in numerous lawsuits and regulatory investigations for similar violations, including cases in XXXX XXXX District Court and CFPB complaints.Request for Immediate ActionGiven these repeated violations, I demand : Immediate ReinvestigationConduct a thorough reinvestigation, ensuring all supporting documentation is reviewed and forwarded to XXXX XXXX XXXXProvide evidence that a proper investigation was conducted.Correction or Deletion of Inaccurate InformationPromptly remove any inaccurate or unverifiable data from my credit report in compliance with 15 U.S.C . 1681i ( a ) ( 5 ) .Legal Compliance AssuranceProvide written assurance that Experian will adhere to FCRA and CFPA requirements.Ensure transparency in future dispute resolutions.Redress for DamagesGiven the financial harm caused, I seek monetary redress for Experians negligence in impacting my creditworthiness and financial stability.Failure to comply within 30 days will result in legal action through theConsumer Financial Protection Bureau , the Texas Attorney Generals Office , and other regulatory agencies.Sincerely, XXXX XXXX","date_sent_to_company":"2025-01-30T06:44:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11849414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T06:16:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( a ) ( XXXX ) ( A ) .If Experian removed and later reinstated this disputed item <em>without</em> <em>proper</em> notification, it violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) .Pattern of Consumer Rights ViolationsXXXX XXXX XXXX has a documented history of consumer rights violations, including a {$430000.00} verdict <em>against</em> them for credit damage resulting from fraudulent reporting.Experian has been named in numerous <em>lawsuits</em> and regulatory investigations for similar violations, including cases in XXXX XXXX District"]},"sort":[17.599714,"11849414"]},{"_index":"complaint-public-v1","_id":"8544793","_score":16.50606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), the Code of Federal Regulations ( XXXX ), and related consumer protection laws. Additionally, I am expressing my intent to file a complaint with the Federal Trade Commission ( FTC ) as the next course of action. \n\nOn XX/XX/year>, I discovered that Experian has reported a debt on my credit report as verified without providing me with the required documentation or information as part of the debt validation process. Despite my explicit requests, neither XXXX XXXX XXXX nor Experian has provided me a contract with the original contract between myself as the debtor and the original creditor, nor the contract or receipt of purchase of the debt from the original creditor, as requested to validate and verify the debt and/or a right to collect the debt that would be satisfactory to my request. It is the burden of Experian to verify the information that they are reporting. \n\nMoreover, neither XXXX XXXX XXXX nor Experian has provided me with the complete payment history of the original account. Neither Experian nor XXXX has provided Portfolio 's Proof of License and XXXX to collect debts in Texas, as requested. This lack of documentation prevents me from ensuring the accuracy of the information being reported and the right to even collect a debt in my state. \n\nInstead of providing me with the explicit information I have requested from XXXX XXXX from Experian to prove they have actually investigated and RE-investigated per my request for verified information to ensure the accuracy of my credit report, Experian has been generating auto responses that do not address my specific inquiries or provide the necessary documentation. This failure to comply with my requests is a direct violation of my rights under the CFR 16 Part 660.2 : \" 660.2 Accuracy of information. ( a ) General. A consumer reporting agency shall maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( b ) Duties of furnishers. ( 1 ) 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. '' This regulation imposes an obligation on CRAs to maintain accuracy in the information they collect, maintain, and report about consumers. If a consumer disputes the accuracy of any information on their credit report, the CRA must conduct a reasonable investigation to verify the accuracy of the information and correct any inaccuracies. I DO NOT view my requests for validity as unreasonable as this information should have been requested and easily obtained by Experian ( as they have a burden to ensure accurate information is being furnished to them ) and easily provided both to me and Experian upon request by Portfolio. \n\nFurthermore validating my concerns, I am even more adamant about proper validation due to the lawsuit filed against XXXX XXXX just last year by CFPB for more than {$24.00} XXXX for illegal debt collection practices and consumer reporting violations including filing frivolous law suits against consumers. This repeat offense by XXXX, coupled with the complicity of Experian, raises serious concerns about their unjust collection practices and reporting of unverified information on customers. \n\nI am aware of the profits that both Portfolio traded as XXXX and Experian XXXX generate by pooling and selling consumer information/receivables into securities, as evidenced by their SEC documents XXXX I also understand how the furnishing of negative information allows the procurers of this information to charge higher APRs for credit. This XXXX explain their reluctance to provide accurate and verified information on my credit report, which could potentially defame my reputation and cause severe harm to my credit worthiness. \n\nTherefore, I am requesting that the Consumer Financial Protection Bureau investigate my complaint against Experian and XXXX XXXX XXXX and take immediate action to address the violations of the FCRA, XXXX, and related consumer protection laws. Additionally, I intend to file a complaint with the Federal Trade Commission to ensure that Experian and XXXX XXXX XXXX are held accountable for their actions if they do not rectify this matter within 15 days.","date_sent_to_company":"2024-03-15T03:45:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"8544793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-15T02:56:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I discovered that Experian has reported a <em>debt</em> on my credit report as verified <em>without</em> <em>providing</em> me with the required documentation or information as part of the <em>debt</em> validation process."]},"sort":[16.50606,"8544793"]},{"_index":"complaint-public-v1","_id":"12729621","_score":14.692603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX In reference XXXX XXXX Complaint XXXX Date : XX/XX/year> Subject : THIRD FORMAL DISPUTE REQUEST Failure to Correct Inaccurate Credit Reporting To Whom It May Concern, This is my third formal attempt to dispute inaccurate information on my Experian credit report regarding a XXXX XXXX credit card account. Experian continues to report a balance of {$2800.00} as a past-due amount with a late payment status, despite the account being charged off and written off. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and IRS regulations governing debt reporting ( IRS XXXX ). \n\nAdditionally, Experian falsely reports that my dispute has been verified without providing sufficient information on how it was verified. I formally request detailed documentation on the verification process, including the name of the data furnisher, method of verification, and all supporting evidence. A generic response stating that the information was \" verified '' without proof is not a valid resolution under the FCRA. Furthermore, my credit report contains discrepancies where data on my Experian report does not match reports from other credit agencies regarding the collection/charge-off status and corresponding dates. Specifically, the collection date and the date of last activity are incorrect. These discrepancies violate consumer protection laws and further highlight the inaccurate reporting by Experian.\n\nViolations and Legal References : Failure to Conduct a Reasonable Investigation ( FCRA 611 ) Experian is legally required to investigate disputes thoroughly and correct inaccuracies but has failed to do so.\n\nMisreporting a Charged-Off Debt ( IRS 1099-C & FCRA 623 ) A debt that has been canceled via a charge-off should not\ncontinue to report a balance or late payment status.\n\nFailure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) Experian must disclose the method and sources used to verify disputed information upon request.\n\nUnauthorized Use of Personal Information ( FCRA 604 ( a ) ) I did not authorize Experian to continue displaying my personal financial information inaccurately. \n\nInaccurate and Inconsistent Reporting ( FCRA 607 ( b ) ) Credit reporting agencies must ensure maximum possible accuracy ; discrepancies between agencies suggest a failure to uphold this standard.\n\nUnauthorized Disclosure of Personal Data ( 15 U.S. Code 1681b ) My personal and financial data should not be shared or displayed without my explicit consent. Unauthorized reporting of this account without proper permission constitutes fraud and a violation of my consumer rights.\n\n2025 CFPB Lawsuit Against Experian The CFPB has taken legal action against Experian for failing to properly investigate consumer disputes and allowing incorrect information to persist. My experience aligns with these allegations. \nRequested Resolution : Immediate removal of the inaccurate balance and payment status on my Experian credit report.\n\nA full reinvestigation conducted in compliance with the FCRA without requiring unnecessary personal documents as a stall tactic.\n\nWritten confirmation of any actions taken regarding this dispute.\n\nDetailed documentation on how Experian verified the disputed information, including data sources and methods used. \n\nCompensation for damages resulting from this misreporting, including lost financial opportunities. \n\nLegal Arbitration Notice If Experian fails to resolve this dispute within 30 days from the date of this letter, I will initiate legal proceedings, including but not limited to filing a formal arbitration complaint against Experian for violations of the FCRA, unauthorized disclosure of my personal information, and defamation. This will include seeking statutory damages, punitive damages, and compensation for financial harm suffered due to Experians negligence.\n\nIf Experian continues to ignore my rights under federal law, I will escalate this matter further, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).\n\nContacting my state Attorney Generals office.\n\nPursuing legal action for defamation, negligence, and financial damages.\n\nSending a formal complaint to Congress and the CFPB regarding Experians noncompliance with the FCRA.\n\nThis is my third attempt to resolve this matter amicably. If no corrective action is taken within the legally mandated timeframe, I will be forced to seek legal remedies against Experian. I demand an immediate and satisfactory response.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-31T01:55:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78249","tags":"Servicemember","has_narrative":true,"complaint_id":"12729621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-31T01:49:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1681b ) My personal and financial data should not be shared or displayed <em>without</em> my explicit consent. Unauthorized reporting of this account <em>without</em> <em>proper</em> permission constitutes fraud and a violation of my consumer rights.\n\n2025 CFPB <em>Lawsuit</em> <em>Against</em> Experian The CFPB has taken legal action <em>against</em> Experian for failing to properly investigate consumer disputes and allowing incorrect information to persist. My experience aligns with these allegations."]},"sort":[14.692603,"12729621"]},{"_index":"complaint-public-v1","_id":"7261960","_score":14.501404,"_source":{"product":"Debt collection","complaint_what_happened":"This week I began receiving advertisements from attorneys in the mail. I never receive anything like that so I opened one of the letters from the attorneys seeking my business and found that Midland Credit Management INC. was suing me and it listed a case number for XXXX. This baffled me because why would strangers know I have a case and I wasnt even made aware I had a debt let alone a case!!??? \n\nI went onto the XXXX XXXX website and looked up the case number and there is a case filed from Midland Credit Management XXXX XXXX XXXX. ( Which I have included a copy of in this complaint ). \n\nThen I went to my folder called INFORMED DELIVERY FROM USPS- this is a service that the UNITED STATES POSTAL SERVICE provides to residents. With INFORMED DELIVERY each piece of mail that you will receive that day is scanned and an email is sent to you every morning letting you know what will be in your mailbox for that day. I am a very thorough person and I ALWAYS keep records for a few years because of any mishaps. I also dont throw my mail away! I file my mail away and after 3 years or so I bag it up and take it to shred day here in Texas. With that being said I looked back in my informed delivery over the past year and saw that I HAVE NEVER EVER received any correspondence from Midland Credit Management INC. \nEven I know it is against the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to skip over steps in the process of debt collecting. I never received any type of communication from Midland Credit Management INC nor its affiliates. I know I dont owe this company any money because I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE A CONTRACT OR ANY TYPE OF AGREEMENT WITH THIS COMPANY! They have never provided me a service just like they never provided me a collection notice! I have no idea what they are collecting!\n\nBe that as it may at XXXX CST I called Midland Credit Management INC at XXXX and spoke to a very, I means extremely rude representative. She asked me for my file number and I told her that I did not have a file number because I have never received anything in the mail so Im unable to provide her with a file number. I told her I have a case number or I can provide her my name and phone number. She said that she could not look me up by my name or address or case number and that I will need to provide her my social security number. I immediately told her Im not giving her my social security number because I dont know her. She then became rude, wouldnt allow me to speak and was telling me that I had to listen to her and that either I can give her my social security number or I can call the people the case is filed with - meaning the courts. I told her again I was not giving her my social then I asked her if she would give me her social and she hung up in my face. At XXXX CST I called back and got a man this time and he also wanted my social security number. I told him I was not giving him my social and how can you file a case against me if you dont have any of the proper information? How do you know if you even have the correct XXXX XXXX? The man then said he cant help me without my social security number if I have no file number and that I can call their Legal Collections Department and maybe they can help me. I asked for their number and he gave me XXXX. \nI then call the Legal Collections Department at Midland Credit Management INC and spoke with a representative there by the name of XXXX XXXX. I advised XXXX XXXX  that I have been receiving letters from Attorneys wanting to take a case that has been filed against me with this company but I have no idea what the case is about or who your company is. I said the only reason I found out was from advertisements from attorneys. I also made XXXX XXXX aware that Midland Credit Management INC has never communicated with me at all and that is illegal. XXXX XXXX asked me for my file number and I informed her that I did not have one because I never received anything from this company but I do have a case number I can provide her. I then provided her with the case number listed with XXXX XXXX XXXX as XXXX. XXXX XXXX said she could not find anything with that case number for a XXXX XXXX. She then asked my address and I told her XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX  again said she could not fined me in the system and she asked me for my social security number and I told her I was not providing my social security number. XXXX XXXX  basically told me she could not assist me. Both of these 2 phones calls were recorded according to the script given to me by the representatives and if hiring an attorney is necessary I will have him/her request those recorded phone conversations for court purposes. XXXX XXXX and I ended our conversation. \nAt XXXX I then called XXXX XXXX XXXX of Courts at XXXX and spoke with the clerk of courts there. When I provided her with my case number of XXXX she said yes there is a Debt Claim here from Midland Credit Management INC and she provide me the amount this company is trying to sue me for. I then asked the clerk when the court date is and she told me there is no court date as of yet. She said this company has hired a 3rd party to serve me. The clerk then asked if I have been served and I advised her that I have not been served this is all new to me. The county clerk then advised me that I have to be properly served before a court date can be set. I thanked the clerk and ended the phone call. \n\nthen decided to do some research on this company Midland Credit Management XXXXNC. and found that this company buys peoples debts for XXXX cents on the dollar and then sues people for a debt they decided to purchase. In doing this practice the President of Midland Credit Management INC. XXXX XXXX XXXX XXXX made {$880000.00} in salary and bonus for the year! \n\nUpon further research I have learned that this is the process for Midland Credit Management INC. They do not send out letters to the alleged debtors informing them that they owe a debt and in doing that they dont allow the person they claim has a debt the opportunity to respond and say hey I need to validate this debt please send me proof of validation. Instead Midland Credit Management INC. goes straight to filing a court case against a person of whom debt they purchased with the hopes of the defendant not showing up in court so that Midland Credit Management INC. automatically gets a default judgment. NOW THAT IS NOT ONLY ETHICALLY WRONG - ITS AGAINST THE LAW AND CONSTITUTES A LEVEL OF FRAUD AGAINST THE ACCUSED. \nThis is what Midland Credit Management INC. does : Most of the time, when someone is sued by Midland Credit Management INC. that person fails to defend the case or show up in court. \nWith no opposition to the lawsuit, the judge grants a judgment in XXXX favor. Once that judgment is issued, XXXX can collect through wage garnishment, bank account levy, and other tactics. \n\nMidland Credit Management INC. has been sued and had to pay out multiple multimillion dollar settlements for their illegal practices and here is the list so far : XXXX. XXXX when the Consumer Financial Protection Bureau ( CFPB ) sued XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. \n\nWHICH MIDLAND CREDIT MANAGEMENT INC. Has now done to me! I have received nothing from them at all! I had to receive letters from attorneys and Midland Credit Management INC has my correct address! \n\n2. Also in XXXX this same company the company was sued by XXXX states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit. \n3. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX XXXX XXXX that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls. \nThese actions are in addition to the hundreds of lawsuits filed by individuals against XXXX  and XXXX for violating their rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and various state consumer protection laws. \n\nSo with all of this I am here to state the following to Midland Credit Management INC. through THE CONSUMER FINANCIAL PROTECTION BREAU : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This letter is regarding Midland Credit Management INC Court Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number, which you claim I owe {$4800.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland Credit Management INC. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. PLEASE NOTE : I ALSO HAVE 2 POLICE REPORTS ON FILE WITH ALL 3 CREDIT BREAUS SHOWNG MY IDENTITY WAS STOLEN BOTH IN 2008 AND IN 2014 WHEN MY PURSE WAS STOLEN. SO WHAT YOU ARE DOING AND ACCUSING ME OF IS FRAUDULENT!!! I HAVE ALL MY DUCKS IN A ROW AND IM FULLY PREPARED TO FIGHT THIS HEAD ON AND THEN SUE YOU AFTERWARDS. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt with ALL of the requested information will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor and if not paid that I then had to pay Midland Credit Management INC. 3 . Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off, write off or delinquency. 10. Verification that this debt was assigned or sold to Midland Credit Management INC. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Midland Credit Management INC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Midland Credit Management INC. I have included copies of my INFORMED DELIVERY FROM USPS SHOWING I SEE MY MAIL BEFORE IT IS PLACED IN MY MAILBOX DAILY AS WELL AS COPY OF THE COURT FILING. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX","date_sent_to_company":"2023-07-17T21:15:39.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"75070","tags":null,"has_narrative":true,"complaint_id":"7261960","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-07-17T20:54:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX XXXX XXXX that it had engaged in deceptive and unfair <em>debt</em> collection practices, such as filing <em>lawsuits</em> <em>against</em> consumers <em>without</em> <em>proper</em> documentation, collecting on time-barred <em>debts</em>, and harassing consumers with excessive phone calls."],"product":["<em>Debt</em> collection"],"sub_issue":["Sued you <em>without</em> properly notifying you of <em>lawsuit</em>"]},"sort":[14.501404,"7261960"]},{"_index":"complaint-public-v1","_id":"11533812","_score":14.497376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Detailed Complaint : FCRA Violations Against Experian To : Experian Information Solutions , Inc . \n\nExperian XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau ( CFPB ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Texas Attorney Generals Office Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX \n[ Contact Information : Phone : XXXX | Email : XXXX ] Subject : Formal Complaint Regarding FCRA Violations and Experian 's Failure to Comply with Federal and State Regulations Date : XX/XX/XXXX Nature of Complaint This complaint pertains to Experians repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related Texas consumer protection laws. Below is a detailed list of the violations, supporting evidence, and demands for immediate corrective actions.\n\nKey Violations Identified 1. Inaccuracies in Reporting ( FCRA 1681s-2 ) XXXX XXXX XXXX and other creditors reported inaccurate payment histories, such as charge-offs and delinquency dates. \n\nExample : XXXX XXXX XXXX marked a paid account as charged off. \n\n2. Failure to Properly Investigate Disputes ( FCRA 1681i ) Items labeled as \" remained unchanged '' despite disputes suggest Experian failed to conduct a thorough reinvestigation of the disputed information.\n\n3. Improper Collection Account Reporting ( FCRA 1681a ( d ) ) Collection accounts ( e.g., XXXX XXXX XXXX and XXXX. XXXX XXXX ) were not verified with accurate debt ownership details or amounts, potentially involving deceptive practices. \n\n4. Potential Deceptive Practices Repeated updates on previously disputed accounts without resolution may misrepresent the account status or delay corrective actions.\n\n5. Improper Third-Party Sharing ( FCRA 1681b ) Sharing of transactional data, such as internal remarks or inaccurate delinquency records, with third parties ( e.g., XXXX ) XXXX without proper verification. \n\nXXXX. Violations of Address and Employment Accuracy Requirements Outdated Addresses : The Experian report includes multiple outdated and inaccurate addresses, such as : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Outdated Employer : XXXXXXXX XXXX XXXX  XXXX is inaccurately listed as my current employer. \n\nCurrent information : Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Violations of Additional FCRA Provisions 15 U.S.C. 1681c : Outdated addresses and employer information on the report may constitute obsolete and inaccurate data, violating the requirement for timely and accurate updates.\n\n15 U.S.C. 1681g : If Experian failed to provide full disclosure of all information in the file during the disputes, it violates disclosure requirements.\n\n15 U.S.C. 1681h : Any unreasonable barriers or practices imposed by Experian during file disclosures could further infringe on consumer rights.\n\n15 U.S.C. 1681m : If adverse actions were taken based on Experians inaccurate reports without proper notification, it breaches adverse action notification requirements. \n\n15 U.S.C. 1681s-2 : Creditors like XXXX XXXX XXXX are responsible for correcting inaccurate information and failed to fulfill their duty. \n\n15 U.S.C. 1681s-2 ( b ) : If furnishers of disputed information failed to investigate upon notification, they violated their obligation to conduct an adequate review and provide accurate updates to Experian. \n\nXXXX. Violations of Texas Consumer Protection Laws Texas Deceptive Trade Practices Act ( DTPA ), XXXX  XXXX : Experians actions constitute false, misleading, or deceptive acts under Section 17.46 ( b ) by repeatedly reporting inaccurate and outdated information.\n\nRepeated failure to reinvestigate disputes reflects unconscionable practices, taking advantage of my limited ability to verify and correct the reported data.\n\nTexas Business & Commerce Code, XXXX XXXX : Sharing outdated and unverifiable personal information with third parties violates privacy safeguards. \n\nFailure to investigate disputed collection accounts ( e.g., XXXX XXXX XXXX and XXXX. XXXX XXXX ) undermines identity theft protections under Section 521.101. \n\nTexas Finance Code 392.202 : Third-party debt collectors must investigate and correct inaccuracies in their files. Experians failure to verify such information may violate this statute.\n\nTexas Business & Commerce Code 20.06 : Requires consumer reporting agencies to block and not report information related to fraudulent accounts.\n\nTexas Business & Commerce Code 20.07 : Mandates notification to consumers within a reasonable time after deleting inaccurate information.\n\nTexas Business & Commerce Code 20.08 : Requires timely reinvestigations of disputed information, within 30 days of receiving notice.\n\nTexas Business & Commerce Code 20.09 : Obligates furnishers to investigate disputed data and report results to consumer reporting agencies.\n\nTexas Business & Commerce Code 20.10 : Restricts the reporting of obsolete information, including outdated addresses and employer details.\n\nTexas Business & Commerce Code 20.11 : Provides consumers with the right to seek civil remedies, including damages, for violations of credit reporting laws.\n\n9. Violations of 15 U.S. Code 1666b Timing of Payments Experians actions may implicate 1666b, which addresses proper timing of payments and credits to accounts. If payment histories, such as those reported by XXXX XXXX XXXX, were inaccurately labeled or timed, this could represent non-compliance with the statute. \n\nXXXX. General Responsibilities Under the FCRA ( 15 U.S.C. 1681 et seq. ) Duty to Ensure Accuracy ( 15 U.S.C. 1681e ) : Experian must follow reasonable procedures to ensure maximum accuracy of reported information.\n\nConsumer 's Right to Dispute ( 15 U.S.C. 1681i ) : Consumers are entitled to dispute inaccurate information, and CRAs must investigate within 30 days, correcting or deleting any unverifiable or inaccurate data.\n\nResponsibilities of Furnishers ( 15 U.S.C. 1681s-2 ) : Entities providing information must ensure its accuracy and promptly correct errors upon discovery or notification.\n\nLiability for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : Willful Noncompliance : Consumers may seek actual damages, statutory damages, punitive damages, and attorney 's fees.\n\nNegligent Noncompliance : Consumers may seek actual damages and attorney 's fees.\n\nRemedies for False Reporting Dispute with CRA : File a formal dispute with Experian to address false information.\n\nComplaint to CFPB : Escalate unresolved disputes by filing a complaint with the CFPB.\n\nLegal Action : Pursue damages against Experian or data furnishers for false reporting under FCRA provisions.\n\nRequest for Compliance and Transparency In accordance with the FCRA, I respectfully request the following : Details on the Investigation Process : Specific steps taken to investigate each disputed item.\n\nExplanation of how the accuracy of each item was verified.\n\nSource of Information : The name, direct contact information, and role of the furnisher ( s ) who verified the disputed information. \n\nValidation Documentation : Copies of any documentation or evidence used to verify the accuracy of the disputed items. \n\nReinsertion Explanation : For any reinserted items, an explanation of the process and compliance with FCRA requirements. \n\nAdditional Context Regarding Experian Experian, as a credit reporting agency, has a duty and responsibility to protect, safeguard, and provide accurate information regarding consumer records. Having been in business since 1826a remarkable 199 yearsand currently being publicly traded with a market cap of {$32.00} XXXX and a share price of {$42.00}, Experian has profited greatly from handling sensitive consumer data. However, the dissemination of false or misleading information tarnishes the lives of countless consumers. It is imperative that you fulfill your obligation to ensure the accuracy and integrity of the information you report. \n\nIn light of the above, I request that Experian exercise full compliance with the FCRA. To emphasize the importance of compliance, here are examples of violations from previous cases : CFPB Lawsuit ( XXXX ) : Allegations of inadequate investigations into consumer disputes, leading to reinsertion of false information into credit files, negatively impacting consumers ' financial standing. \n\n{$22.00} XXXX Settlement ( XXXX ) : Resolution of claims that Experian harmed consumers by disseminating reports containing inaccurate or obsolete information. \n\n{$16.00} XXXX Settlement ( XXXX ) : Experians failure to properly investigate disputes regarding inaccurate credit reports. \n\n\nTexas Attorney General Actions : In XX/XX/XXXX, a settlement with Experian, XXXX, and XXXX mandated enhancements to dispute handling, stricter data monitoring, and escalated processes for handling disputes. \n\nExpectations and Next Steps If Experian verifies that the disputed information is correct, I request full disclosure of the source of the information, including : The name and contact information of the entity that provided the information. \n\nDocumentation and evidence used to validate the information as accurate. \n\nA detailed explanation of the process used to verify the information. \n\nFailure to resolve these matters within the stipulated timeframe will prompt escalation to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. \n\nThank you for your immediate attention to these issues. Please contact me at XXXX or XXXX for further clarification or documentation. \n\nContact Information Please direct all correspondence to : XXXX XXXX Email : XXXX Phone : XXXX Thank you for your immediate attention to this matter. I look forward to your response within the 30-day timeframe mandated by the FCRA. \n\nSincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX","date_sent_to_company":"2025-01-16T05:38:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11533812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T05:31:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX ) were not verified with accurate <em>debt</em> ownership details or amounts, potentially involving deceptive practices. \n\n4. Potential Deceptive Practices Repeated updates on previously disputed accounts <em>without</em> resolution may misrepresent the account status or delay corrective actions.\n\n5. Improper Third-Party Sharing ( FCRA 1681b ) Sharing of transactional data, such as internal remarks or inaccurate delinquency records, with third parties ( e.g., XXXX ) XXXX <em>without</em> <em>proper</em> verification."]},"sort":[14.497376,"11533812"]},{"_index":"complaint-public-v1","_id":"7261841","_score":14.486151,"_source":{"product":"Debt collection","complaint_what_happened":"This week I began receiving advertisements from attorneys in the mail. I never receive anything like that so I opened one of the letters from the attorneys seeking my business and found that XXXX XXXX XXXX XXXX was suing me and it listed a case number for XXXX. This baffled me because why would strangers know I have a case and I wasnt even made aware I had a debt let alone a case!!??? \n\nI went onto the XXXX XXXX website and looked up the case number and there is a case filed from XXXX XXXX XXXX XXXX XXXX XXXX. ( Which I have included a copy of in this complaint ). \n\nThen I went to my folder called INFORMED DELIVERY FROM USPS- this is a service that the UNITED STATES POSTAL SERVICE provides to residents. With INFORMED DELIVERY each piece of mail that you will receive that day is scanned and an email is sent to you every morning letting you know what will be in your mailbox for that day. I am a very thorough person and I ALWAYS keep records for a few years because of any mishaps. I also dont throw my mail away! I file my mail away and after 3 years or so I bag it up and take it to shred day here in Texas. With that being said I looked back in my informed delivery over the past year and saw that I HAVE NEVER EVER received any correspondence from XXXX XXXX XXXX XXXX. \nEven I know it is against the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to skip over steps in the process of debt collecting. I never received any type of communication from XXXX XXXX XXXX XXXX nor its affiliates. I know I dont owe this company any money because I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE A CONTRACT OR ANY TYPE OF AGREEMENT WITH THIS COMPANY! They have never provided me a service just like they never provided me a collection notice! I have no idea what they are collecting! \nBe that as it may at XXXX XXXX I called XXXX XXXX XXXX XXXX at XXXX and spoke to a very, I means extremely rude representative. She asked me for my file number and I told her that I did not have a file number because I have never received anything in the mail so Im unable to provide her with a file number. I told her I have a case number or I can provide her my name and phone number. She said that she could not look me up by my name or address or case number and that I will need to provide her my social security number. I immediately told her Im not giving her my social security number because I dont know her. She then became rude, wouldnt allow me to speak and was telling me that I had to listen to her and that either I can give her my social security number or I can call the people the case is filed with - meaning the courts. I told her again I was not giving her my social then I asked her if she would give me her social and she hung up in my face. At XXXX XXXX I called back and got a man this time and he also wanted my social security number. I told him I was not giving him my social and how can you file a case against me if you dont have any of the proper information? How do you know if you even have the correct XXXX XXXX? The man then said he cant help me without my social security number if I have no file number and that I can call their XXXX Collections Department and maybe they can help me. I asked for their number and he gave me XXXX. \nI then call the XXXX Collections Department at XXXX XXXX XXXX XXXX and spoke with a representative there by the name of XXXX XXXX. I advised Miss XXXX that I have been receiving letters from Attorneys wanting to take a case that has been filed against me with this company but I have no idea what the case is about or who your company is. I said the only reason I found out was from advertisements from attorneys. I also made Miss XXXX aware that XXXX XXXX XXXX XXXX has never communicated with me at all and that is illegal. Miss XXXX asked me for my file number and I informed her that I did not have one because I never received anything from this company but I do have a case number I can provide her. I then provided her with the case number listed with XXXX XXXX XXXX as XXXX. Miss XXXX said she could not find anything with that case number for a XXXX XXXX. She then asked my address and I told her XXXX XXXX XXXX, XXXX, TX XXXX. Miss XXXX again said she could not fined me in the system and she asked me for my social security number and I told her I was not providing my social security number. Miss XXXX basically told me she could not assist me. Both of these 2 phones calls were recorded according to the script given to me by the representatives and if hiring an attorney is necessary I will have him/her request those recorded phone conversations for court purposes. Miss XXXX and I ended our conversation. \nAt XXXX I then called XXXX XXXX XXXX of Courts at XXXX and spoke with the clerk of courts there. When I provided her with my case number of XXXX she said yes there is a Debt Claim here from XXXX XXXX XXXX XXXX and she provide me the amount this company is trying to sue me for. I then asked the clerk when the court date is and she told me there is no court date as of yet. She said this company has hired a 3rd party to serve me. The clerk then asked if I have been served and I advised her that I have not been served this is all new to me. The county clerk then advised me that I have to be properly served before a court date can be set. I thanked the clerk and ended the phone call. \n\nthen decided to do some research on this company XXXX XXXX XXXX XXXX and found that this company buys peoples debts for XXXX cents on the dollar and then sues people for a debt they decided to purchase. In doing this practice the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made {$880000.00} in salary and bonus for the year! \n\nUpon further research I have learned that this is the process for XXXX XXXX XXXX XXXX. They do not send out letters to the alleged debtors informing them that they owe a debt and in doing that they dont allow the person they claim has a debt the opportunity to respond and say hey I need to validate this debt please send me proof of validation. Instead XXXX XXXX XXXX XXXX goes straight to filing a court case against a person of whom debt they purchased with the hopes of the defendant not showing up in court so that XXXX XXXX XXXX XXXX automatically gets a default judgment. NOW THAT IS NOT ONLY ETHICALLY WRONG - ITS AGAINST THE LAW AND CONSTITUTES A LEVEL OF FRAUD AGAINST THE ACCUSED. \nThis is what XXXX XXXX XXXX XXXX does : Most of the time, when someone is sued by XXXX XXXX XXXX XXXX that person fails to defend the case or show up in court. \nWith no opposition to the lawsuit, the judge grants a judgment in XXXX favor. Once that judgment is issued, XXXX can collect through wage garnishment, bank account levy, and other tactics. \n\nXXXX XXXX XXXX XXXX has been sued and had to pay out multiple multimillion dollar settlements for their illegal practices and here is the list so far : XXXX. XXXX when the Consumer Financial Protection Bureau ( CFPB ) sued XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. \n\nWHICH XXXX XXXX XXXX XXXX Has now done to me! I have received nothing from them at all! I had to receive letters from attorneys and XXXX XXXX XXXX XXXX has my correct address! \n\nXXXX. Also in XXXX this same company the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit. \nXXXX. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls. \nThese actions are in addition to the hundreds of lawsuits filed by individuals against XXXX and XXXX for violating their rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and various state consumer protection laws. \n\nSo with all of this I am here to state the following to XXXX XXXX XXXX XXXX through THE CONSUMER FINANCIAL PROTECTION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This letter is regarding XXXX XXXX XXXX XXXX XXXX Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number, which you claim I owe {$4800.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. PLEASE NOTE : I ALSO HAVE XXXX POLICE REPORTS ON FILE WITH ALL XXXX CREDIT BREAUS SHOWNG MY IDENTITY WAS STOLEN BOTH IN XXXX AND IN XXXX WHEN MY PURSE WAS STOLEN. SO WHAT YOU ARE DOING AND ACCUSING ME OF IS FRAUDULENT!!! I HAVE ALL MY DUCKS IN A ROW AND IM FULLY PREPARED TO FIGHT THIS HEAD ON AND THEN SUE YOU AFTERWARDS. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt with ALL of the requested information will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : XXXX. Agreement with your client that grants you the authority to collect on this alleged debt. XXXX. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor and if not paid that I then had to pay XXXX XXXX XXXX XXXX XXXX XXXX Any insurance claims that have been made by any creditor regarding this account. XXXX. Name and address of alleged creditor. XXXX. Name on file of alleged debtor. XXXX. Alleged account number. XXXX. Amount of alleged debt. XXXX. Date this alleged debt became payable. XXXX. Date of original charge off, write off or delinquency. XXXX. Verification that this debt was assigned or sold to XXXX XXXX XXXX XXXX. XXXX. Complete accounting of alleged debt. XXXX. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from XXXX XXXX XXXX XXXX. I have included copies of my INFORMED DELIVERY FROM USPS SHOWING I SEE MY MAIL BEFORE IT IS PLACED IN MY MAILBOX DAILY AS WELL AS COPY OF THE COURT FILING. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX","date_sent_to_company":"2023-07-17T21:27:11.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"75070","tags":null,"has_narrative":true,"complaint_id":"7261841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Office of Michael J. Scott, PC","date_received":"2023-07-17T21:17:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX of Massachusetts that it had engaged in deceptive and unfair <em>debt</em> collection practices, such as filing <em>lawsuits</em> <em>against</em> consumers <em>without</em> <em>proper</em> documentation, collecting on time-barred <em>debts</em>, and harassing consumers with excessive phone calls."],"product":["<em>Debt</em> collection"],"sub_issue":["Sued you <em>without</em> properly notifying you of <em>lawsuit</em>"]},"sort":[14.486151,"7261841"]},{"_index":"complaint-public-v1","_id":"14666271","_score":13.746269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LexisNexis Risk Solutions has violated federal and state laws, consumer protection regulations, and industry standards by mishandling my credit profile information, engaging in unauthorized third-party data sharing, and failing to ensure accuracy and compliance in its practices. These actions have caused harm to my creditworthiness, privacy rights, and financial reputation. I demand an immediate investigation into XXXX practices and corrective actions to address these violations. \n\nChronological Summary of Events and Violations : XXXX. Initial Complaint Filed with CFPB Date : XX/XX/XXXX Case Number : CFPB # XXXX Details : I filed a complaint against LexisNexis for unauthorized disclosures of my credit profile information, failure to honor my security freeze and opt-out request, and violations of the Fair Credit Reporting Act ( FCRA ). \n2. Feedback Provided on Complaint Date : XX/XX/XXXX Details : LexisNexis responded, confirming the processing of my security freeze and opt-out request but failed to address critical issues, including : Assurance that no data would be disclosed without explicit consent. \nNotification of any disclosures made after the freeze/opt-out. \nDetails of retained information and reasons for retention. \nXXXX. Formal Dispute Letter Sent to LexisNexis Date : XX/XX/XXXX Details : I sent a formal dispute letter demanding immediate action and clarity on the handling of my credit profile. Key demands included : Written assurance of information security. \nImmediate notification of any data disclosure.\n\nDetailed list of retained information. \nConfirmation of opt-out compliance for all services. \nXXXX. Second Complaint Filed with CFPB Date : XX/XX/XXXX Case Number : CFPB # XXXX Details : I filed an additional complaint citing LexisNexiss failure to comply with federal and state laws, including : FCRA Violations : Failure to ensure maximum possible accuracy ( 1681e ).\n\nFailure to conduct reasonable reinvestigations ( 1681i ).\n\nReporting outdated negative information ( 1681c ).\n\nFDCPA Violations : False or misleading representations ( 1692e ).\n\nUnfair practices ( 1692f ). \nTexas Finance Code Violations : Misrepresentation of consumer debt ( 392.304 ). \nProhibited practices ( 392.301 ). \nXXXX. Filing of FTC Complaint Date : XX/XX/XXXX FTC Report Number : # XXXX Details : I filed a complaint with the FTC regarding LexisNexiss mishandling of my credit profile and violations of FCRA, FDCPA, and XXXX XXXX XXXX. \nXXXX. Analysis of XXXX Response Date : XX/XX/XXXX Document : XXXX XXXX XXXXpdf Details XXXX LexisNexis responded to CFPB, stating : They did not locate the disputed inquiry records. \nThey forwarded disputes to XXXX XXXX XXXX XXXX. \nThey rely on furnishers data and do not independently verify accuracy. \nIssues Identified : Failure to comply with FCRA 1681e ( b ) ( reasonable procedures to ensure accuracy ).\n\nFailure to conduct a reasonable reinvestigation under FCRA 1681i.\n\nContinued reporting of outdated negative information in violation of FCRA 1681c. \nXXXX. Request for Discovery Date : XX/XX/XXXX Details : I formally requested all communications between LexisNexis and Equifax, Experian, TransUnion, and XXXX from XX/XX/XXXX, through XX/XX/XXXX, related to my credit profile. \nKey Issues and Violations Identified : 1. Unauthorized Access to Personal Information What Happened : LexisNexis shared personal information with third parties without verifying the legitimacy of those entities or ensuring compliance with permissible purposes under FCRA 1681b.\n\nWhy Its a Violation : FCRA 1681b : Consumer data may only be shared with entities that have a legitimate need for it, such as for credit decisions, insurance underwriting, or employment purposes. Unauthorized sharing violates this provision.\n\nConsumer Impact : Unauthorized access to personal information exposes consumers to privacy violations, identity theft risks, and adverse credit decisions. \n\nEvidence : Consumer complaints and XXXX failure to provide transparency regarding its third-party sharing practices indicate violations of FCRA 1681b.\n\n2. Sharing of Inaccurate or Outdated Data What Happened : LexisNexis disclosed inaccurate or outdated data to third parties, resulting in adverse effects on my credit profile and potential harm to my financial reputation.\n\nWhy Its a Violation : FCRA 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy of consumer data before sharing it.\n\nTexas Business & Commerce Code 521.101 : Prohibits the disclosure of inaccurate or outdated personal information, requiring entities to safeguard consumer data. \nConsumer Impact : Improper sharing of inaccurate data can lead to incorrect credit decisions, unauthorized credit inquiries, and harm to consumers financial standing.\n\nEvidence : Consumer complaints and LexisNexiss failure to validate data accuracy before sharing it demonstrate violations of FCRA 1681e ( b ) and Texas Business & Commerce Code 521.101. \n\nXXXX. Mishandling of Sensitive Information What Happened : LexisNexis failed to properly verify sensitive information before sharing it with third parties, leading to adverse effects such as unauthorized credit inquiries and incorrect credit decisions. \n\nWhy Its a Violation : FCRA 1681b : Requires verification of permissible purposes before sharing consumer data.\n\nTexas Business & Commerce Code 521.051 : Mandates proper handling and safeguarding of sensitive consumer information to prevent unauthorized disclosure.\n\nConsumer Impact : Mishandling sensitive information exposes consumers to privacy violations, financial harm, and risks of identity theft. \n\nEvidence : Consumer complaints highlight instances where LexisNexis shared sensitive information improperly, resulting in harm to consumers. \n\nAnalysis : Applicability of Permissible Purpose Violations to My Case XXXX. Reporting Outdated Information Example : LexisNexis has been sued for reporting outdated information, such as satisfied tax liens or vacated judgments, which negatively impact a consumer 's ability to obtain credit. \n\nApplicability to My Case : LexisNexis has failed to ensure maximum possible accuracy ( 1681e ( b ) ) and has continued reporting outdated negative information ( 1681c ). This includes inaccurate or outdated data that has adversely affected my credit profile and financial reputation.\n\n2. Mixing Files Example : LexisNexis was found negligent for including the criminal records of an individual with a similar name in a job applicants background check report, resulting in the withdrawal of the job offer. \n\nApplicability to My Case : While my case does not specifically involve employment background checks, LexisNexiss reliance on unverifiable third-party data and failure to validate the accuracy of information has led to inaccuracies in my credit profile, similar to mixing files. \n\nXXXX. Providing Information Without a Valid Reason Example : LexisNexis has faced lawsuits for allegedly selling personal information to third parties, including federal immigration authorities, without proper consent. \n\nApplicability to My Case : LexisNexiss unauthorized sharing of my personal information with third parties violates FCRA 1681b ( permissible purposes ). LexisNexis failed to verify the legitimacy of third-party entities or ensure compliance before disclosing my data. \n\nXXXX. Failure to Provide Proper Disclosures Example : The FCRA mandates specific disclosure requirements for employment background checks, including providing a clear disclosure and obtaining the consumers written authorization. \n\nApplicability to My Case : LexisNexis failed to notify me or obtain consent before sharing my data with third parties. This demonstrates a broader failure to comply with FCRA disclosure requirements. \n\nDemands for Immediate Action : Explanation of Third-Party Data Sharing Practices : Provide a detailed explanation of LexisNexiss procedures for sharing consumer data with third parties.\n\nClarify how LexisNexis ensures compliance with FCRA 1681b and Texas Business & Commerce Code 521.101.\n\nInvestigation into Unauthorized Sharing : Conduct a thorough investigation into instances of unauthorized or improper sharing of my personal information.\n\nCorrective Actions : Immediately cease sharing my personal information with unauthorized third parties.\n\nRemove inaccurate or outdated information from my credit profile.\n\nTransparency and Assurance : Provide written assurance that LexisNexis will comply with FCRA, Texas Business & Commerce Code, and consumer privacy laws moving forward.\n\nShare details of the safeguards in place to prevent future violations.\n\nConclusion : LexisNexis has violated federal laws ( FCRA 1681b, 1681e ( b ) ), state laws ( Texas Business & Commerce Code 521.101, 521.051 ), and consumer privacy regulations by engaging in unauthorized and improper sharing of personal data with third parties. I demand immediate corrective action, regulatory enforcement, and full compliance with applicable laws to protect my rights as a consumer.","date_sent_to_company":"2025-07-15T19:32:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"14666271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-15T19:15:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Providing</em> Information <em>Without</em> a Valid Reason Example : LexisNexis has faced <em>lawsuits</em> for allegedly selling personal information to third parties, including federal immigration authorities, <em>without</em> <em>proper</em> consent. \n\nApplicability to My Case : LexisNexiss unauthorized sharing of my personal information with third parties violates FCRA 1681b ( permissible purposes ). LexisNexis failed to verify the legitimacy of third-party entities or ensure compliance before disclosing my data. \n\nXXXX."]},"sort":[13.746269,"14666271"]},{"_index":"complaint-public-v1","_id":"12572889","_score":12.498167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Against Experian for Inadequate Credit XXXX and XXXX Investigations Dear CFPB, I am writing to formally file a dispute against Experian due XXXX their failure to conduct legitimate investigations regarding inaccuracies on my consumer report and their recent legal issues that further raise concerns about their credibility and business practices. \nOn XX/XX/XXXX, I submitted a dispute to Experian regarding the inaccurate information of the incorrect account, fraudulent activity, inaccurate personal information. Despite providing supporting documentation, Experian failed to conduct a thorough investigation and instead returned a generic response stating that the information was verified without any substantive review. Please see list of inaccuracies. \nAcct # XXXX XXXX XXXX $ XXXX Delete this account from my consumer report for multiples violations as transactions/experiences are excluded from my consumer report/Original creditor is reporting a charge off and collection misleading while committing tax fraud by taking a tax break. \n\nAcct # XXXX $ XXXX The Date Last Active reported is inconsistent with payment history while the Date of Last Payment ( XX/XX/XXXX ). \nMisleading Reporting : The account is reported as a XXXX with a derogatory status Delete this account for inaccuracy. \n\nAcct # XXXX Affirm- $ XXXX The Date Last Active ( XX/XX/XXXX ) is inconsistent with the Date of Last Payment ( XX/XX/XXXX ) Double reporting/misleading under FDCPA XXXX because the account is reported as both a charge-off and in collections. Delete for inaccuracy. \n\nXXXX XXXX ( Original Creditor : XXXX Townhomes at XXXX XXXX ) XXXX Violation of XXXX XXXX XXXX as the company does not have a XXXX bond on file with the State of Texas XXXX XXXX is higher than high credit suggesting Illegal added fees, penalties, or interest beyond what was legally agreed upon. The debt is reporting as both charged off by the original creditor and actively in collection. Delete account for violations and inaccuracies. \n\nXXXX ( Original Creditor : Renown Health ) Acct # XXXX $ XXXX XXXX Collection agency is double reporting the account as a collection and a charge off. \nViolation of XXXX XXXX XXXX : Illegally participating in debt collection in the state of Texas with a XXXX bond on file with Secretary of State of Texas. \nRe-aging : Issue : The Date Opened is listed as XX/XX/XXXX, but the Date Last Active is XX/XX/XXXX ( less than 6 months apart ) Issue : The comments state : \" Placed for collection - Medical '' Under FCRA XXXX ( a ) ( XXXX ), medical debts can not be reported unless they have been properly validated Collection agencies are not allowed to report a charge off. Delete this account for multiple violations and inaccuracies. \n\nXXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Acct # XXXX Misleading : XXXX agency is double reporting the account as a collection and a charge off. No contract with this company as I have never done business with them. Delete for inaccuracy and violation of my privacy. \n\nXXXX XXXX XXXX $ XXXX Misleading : is the account in active collections or charged off by the original creditor? Transactions/experiences are excluded from a consumer report so why is this reporting on mine? Delete for violations and inaccuracies. \n\n\nTHD/CBNA- Acct XXXX XXXX $ XXXX Misleading as account is reporting both collection and charge off. Did the original creditor sell the account to collection agency? No XXXX received. Original creditor is committing tax fraud because they took a tax break on balance. Delete this account for violation. The original creditor is reporting income on my consumer report. \nGiven the recent lawsuit against Experian, which highlights their pattern of conducting sham investigations and failing to uphold the Fair Credit Reporting Act ( FCRA ), I am deeply concerned that my dispute was not handled properly. It appears that Experian is engaging in a systemic failure to comply with federal regulations, thereby harming consumers like myself. \nI formally request that the CFPB take immediate action by investigating Experians handling of my dispute, ensuring compliance with the FCRA, and holding them accountable for their failure to conduct proper investigations. I also request that Experian be compelled to : XXXX. Provide a detailed explanation of how my dispute was investigated. \nXXXX. Reassess my dispute with a legitimate investigation, including direct verification with the original creditors. \nXXXX. Remove or correct the inaccurate information on my credit report if they can not substantiate their claims with legitimate documentation. \nEnclosed are copies of my original dispute letter and any supporting documentation that demonstrates the inaccuracies in my credit report. \nI trust that the CFPB will take appropriate steps to ensure Experian is held accountable for its unlawful actions and to protect consumer rights. Please inform me of any updates regarding this matter at your earliest convenience. \nSincerely, XXXX XXXX Enclosures : Dispute letter and proof of inaccuracies XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This is dispute is submitted under the FCRA, XXXX XXXX XXXX, which requires consumer reporting agencies like yours to conduct a reasonable investigation/reinvestigation of disputed items. \n\nRecent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigation, violating consumer protection laws by failing to meet its obligations under the FCRA. \n\nAs per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. It is clear you have not as the items still remain on my consumer report. \n\nPlease see disputes listed below : Acct # XXXX XXXX XXXX $ XXXX Issues Why are you reporting transactions/experiences on my consumer report when they are excluded from a consumer report? \nOriginal creditor is reporting both a charge off and collection for this account. Delete for inaccuracy and misleading information. \n\nAcct # XXXX $ XXXX The Date Last Active reported is inconsistent with payment history while the Date of Last Payment ( XX/XX/XXXX ). \nMisleading Reporting : The account is reported as a XXXX with a derogatory status Delete this account for inaccuracy. \n\nAcct # XXXX Affirm- $ XXXX The Date Last Active ( XX/XX/XXXX ) is inconsistent with the Date of Last Payment ( XX/XX/XXXX ) Double reporting/misleading under FDCPA XXXX because the account is reported as both a charge-off and in collections. Delete for inaccuracy. \n\nXXXX XXXX ( Original Creditor : XXXX Townhomes at XXXX XXXX ) XXXX Violation of XXXX XXXX XXXX as the company does not have a XXXX bond on file with the State of Texas XXXX \nXXXX is higher than high credit suggesting Illegal added fees, penalties, or interest beyond what was legally agreed upon. \nThe debt is reporting as both charged off by the original creditor and actively in collection. Delete account for violations and inaccuracies. \n\nXXXX ( Original Creditor : Renown Health ) Acct # XXXX $ XXXX XXXX Collection agency is double reporting the account as a collection and a charge off. \nRe-aging : Issue : The Date Opened is listed as XX/XX/XXXX, but the Date Last Active is XX/XX/XXXX ( less than 6 months apart ) The comments state : \" Placed for collection - Medical '' Under FCRA XXXX ( a ) ( XXXX ), medical debts can not be reported unless they have been properly validated Collection agencies are not allowed to report a charge off. Delete this account for multiple violations and inaccuracies. \n\nXXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Acct # XXXX Misleading : XXXX agency is double reporting the account as a collection and a charge off. \nNo contract with this company as I have never done business with them. Delete for inaccuracy and violation of my privacy. \n\nXXXX XXXX XXXX $ XXXX Misleading : is the account in active collections or charged off by the original creditor? \nTransactions/experiences are excluded from a consumer report so why is this reporting on mine? Delete for violations and inaccuracies. \n\n\nTHD/CBNA- Acct XXXX XXXX $ XXXX Misleading as account is reporting both collection and charge off. Did the original creditor sell the account to collection agency? \nNo XXXX received. Original creditor is committing tax fraud because they took a tax break on balance. \nThe original creditor is reporting income while the account is over {$600.00} on my consumer report. Delete this account for violation. \n\nGiven the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and all relevant supporting documents are enclosed to facilitate your investigation. \n\nIf you again fail to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. \n\nI expect a response in writing within the legally mandated timeframe. In addition, I expect an updated consumer report with confirmation of any changes. \n\nThanks! \n\nXXXX XXXX","date_sent_to_company":"2025-03-20T17:53:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77511","tags":null,"has_narrative":true,"complaint_id":"12572889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T17:43:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violation of XXXX XXXX XXXX : Illegally participating in <em>debt</em> collection in the state of <em>Texas</em> with a XXXX bond on file with Secretary of State of <em>Texas</em>."]},"sort":[12.498167,"12572889"]},{"_index":"complaint-public-v1","_id":"11566977","_score":12.2502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to demand immediate and thorough investigation and correction of multiple violations found in my credit report. The false and inaccurate information reported by TransUnion has had a significant and negative impact on my financial status, and I am requesting that you comply with the Fair Credit Reporting Act ( FCRA ) and Texas State Consumer Protection Laws by providing me with a detailed investigation of these violations. \n\nList of Violations and Issues to be Investigated : XXXX XXXX XXXX Charge-Off Misreporting Violation : XXXX XXXX XXXX has reportedly marked an account as both \" paid in full '' and a \" charge-off '' with an outstanding past due balance that does not accurately reflect the true status of the account. This type of reporting error violates FCRA 1681s-2, which mandates that creditors must report accurate and complete information to credit bureaus. \nConsumer Impact and Previous Complaints : Other consumers have expressed similar issues regarding XXXX XXXX XXXX and its inaccurate reporting of charge-offs, with accounts marked as \" paid in full '' but also tagged as \" charge-offs. '' This miscommunication or failure to update account statuses correctly is a common complaint, especially among consumers with auto financing or lease agreements. \nLegal Precedents and Impact : Such misreporting can severely harm a consumer 's credit standing. There have been complaints and potential investigations that suggest XXXX XXXX XXXX might have been subject to legal scrutiny due to its failure to accurately report account statuses, which is a breach of the Fair Credit Reporting Act ( FCRA ). Consumers have expressed concerns about the lasting negative effects of such errors, which include difficulties in obtaining new credit or securing favorable terms for loans. \nImpact Under FCRA 1681s-2 : Under FCRA, XXXX XXXX XXXX is required to report accurate information to credit bureaus. If a consumer 's account is marked incorrectly, as in my case, it could lead to legal actions or disputes, especially if the information is not promptly corrected. Repeated failure to do so could expose XXXX XXXX XXXX to potential fines and civil penalties. The FCRA also gives consumers the right to dispute inaccuracies, and if the disputes are not properly addressed, consumers can seek remedies, including damages. \nDemand : I demand that you investigate and correct this inaccurate reporting immediately. \nDispute Investigation Failures Violation : Information previously disputed in my credit report remains \" unchanged '' without proper investigation, suggesting that TransUnion has failed to comply with FCRA 1681i, which requires credit bureaus to thoroughly investigate disputes. \nDemand : I demand that you fully investigate all disputed items and correct any inaccuracies found during this process. \nImproper Collection Reporting by XXXX XXXX XXXX Violation : XXXX XXXX XXXX reported inaccurate debt ownership and amounts, marking a debt as \" in collection '' without proper verification of debt ownership. \nBased on consumer complaints and data related to XXXX XXXX XXXX 's reporting practices, the issue of improper collection reporting has been raised by several consumers, and it appears to be a broader issue : XXXX XXXX XXXX - Inaccurate Debt Ownership and Reporting : Consumers have reported discrepancies involving XXXX XXXX XXXX, where the company listed collection accounts without clear verification of debt ownership. These issues often involve the misreporting of amounts owed or the ownership of debts by third-party debt collectors, which violates FCRA 1681a ( d ) that mandates accurate reporting of collection accounts. \nDeceptive Practices : Several consumer complaints have detailed situations where XXXXXXXX XXXX reporting of debt ownership has been unclear, especially regarding how debts are transferred or sold between entities. Misreporting the debt ownership could lead to violations of FCRA 1681s-2, which mandates that creditors must provide accurate information to credit reporting agencies. \nRegulatory Oversight : This type of misreporting has resulted in legal actions against the company in certain cases, where the failure to properly verify debts or provide correct debt ownership has been cited as deceptive, which could be considered a violation of the Texas Deceptive Trade Practices Act. \nPotential Impact on Consumers : The issue of improper collection reporting appears to affect multiple consumers, with recurring reports of incorrect debt ownership or amounts under XXXXXXXX XXXX name. Such misreporting could cause consumers significant harm, as inaccurate reporting on a credit file can lead to lowered credit scores, challenges in acquiring new credit, and potential legal action against the consumer. \nDemand : I expect a thorough investigation into this issue and full removal of any incorrect or unverifiable collection entries. \nAddress and Employment Discrepancies Violation : My report contains outdated addresses and incorrect employer information. \nLegal Reference : Under FCRA 1681c, personal data must be kept up-to-date, and 1681g mandates accurate disclosure. \nConsumer Impact : These outdated entries have led to confusion and further inaccuracies on my credit report. \nDemand : Correct the outdated addresses and employer information immediately. \nThere have indeed been consumer complaints related to TransUnion 's handling of outdated address and employment data : Address and Employment Discrepancies : Common Issue : Several consumers have raised concerns about outdated and inaccurate personal information, including addresses and employers, being reported on their credit reports by TransUnion. This includes situations where previous addresses were not updated or where outdated employer details persisted long after a consumer 's employment status changed. \nLegal and Consumer Protections : Such discrepancies could be a violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate and up-to-date information about consumers, including reporting current addresses and employment information as per FCRA 1681c and FCRA 1681g. This misreporting can also result in negative effects on consumers ' ability to obtain credit, as outdated or incorrect information could be used in decisions. \nPrevious Complaints : These kinds of issues have led to widespread complaints, with consumers asserting that the continued use of outdated datasuch as addresses or employer namescould unfairly impact creditworthiness. In some cases, this has triggered disputes with TransUnion, where consumers have sought corrective actions for improperly reported information. \nPotential Violations : If TransUnion failed to correct outdated or incorrect personal data despite being notified through a dispute, this could also be a violation of FCRA 1681c, which prevents the reporting of outdated information. Moreover, the failure to accurately disclose all information to consumers during disputes ( as per FCRA 1681g ) could also be a significant breach. \nDemand : I request that TransUnion immediately correct outdated or incorrect personal data on my report, as this issue appears to be systemic and affects multiple individuals. \nThe only current information that should appear on my credit report is : Current Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX LICENSE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Sharing Violations Violation : It appears that TransUnion has faced consumer complaints regarding third-party sharing violations, specifically in instances where unverified or outdated data has been shared with third parties. Some examples include : Third-Party Data Sharing and Complaints : Unauthorized Access : Consumers have reported instances where TransUnion shared personal information with unauthorized third parties, or did so without clear verification of the data, which is a direct violation of FCRA 1681b. This section mandates that consumer data may only be shared with entities that have a legitimate need for it. \nData from Inaccurate Sources : Complaints also detail instances where TransUnion disclosed inaccurate or outdated data to third parties, which could lead to privacy violations and potential legal action under both FCRA and Texas Business & Commerce Code 521.101. \nLegal Precedents : There have been instances in which consumers have raised concerns about TransUnion 's handling of sensitive information when it was improperly shared with third parties, leading to adverse effects, such as incorrect credit decisions or unauthorized credit inquiries. \nConsumer Impact : Such unauthorized or improper sharing of personal data can result in privacy violations and potential identity theft risks. If TransUnion failed to verify or handle sensitive information properly before sharing it, it could expose consumers to significant harm, as evidenced by prior consumer complaints. \nDemand : I require an explanation regarding these issues and expect a thorough investigation into your third-party data sharing practices. \nRepeated Inaccurate Reporting of Delinquent Accounts Violation : TransUnion has faced consumer complaints regarding repeated inaccurate reporting of delinquent accounts. This issue has affected consumers when accounts that were paid or closed were reported inaccurately as still being delinquent, which contradicts the actual status of the account. \n\nImpact on Consumers : The most significant impact reported by consumers is that TransUnion repeatedly flagged accounts as delinquent or charged off even after they were paid or settled, especially with XXXX  XXXX, XXXX XXXX XXXX, and other creditors. Consumers have noted that their credit reports still showed delinquent accounts despite the payments being made, leading to denied credit applications or higher interest rates due to the erroneous reports. \nThese inaccuracies can violate FCRA 1681s-2, which mandates that creditors and credit reporting agencies must report accurate information. Misreporting an account as delinquent or charge-off, despite it being paid or settled, could mislead lenders or other third parties, affecting a consumer 's ability to secure future credit. \nCommon Complaints : Delinquent Accounts Marked \" Paid '' or \" Closed '' : Even when payments were made, accounts like those with XXXX  XXXX and XXXX XXXX XXXX were marked as \" charged off '' or \" delinquent, '' despite the actual status being paid in full. These discrepancies can be noticed on the report history for long periods ( sometimes even for years after payment ). \nFailure to Correct Information : Consumers have raised concerns that TransUnion failed to update or correct these accounts after disputes, leaving them with inaccurate information on their credit reports. \nLegal Recourse : If this misreporting was not promptly corrected, it could lead to civil lawsuits under the Fair Credit Reporting Act ( FCRA ), with consumers having the right to seek damages for incorrect credit reporting that harms their financial standing. \nRequest for Immediate Action : In accordance with the FCRA and Texas Business & Commerce Code, I demand that you initiate a thorough investigation into these discrepancies and provide me with a detailed report of your findings. This includes clear and detailed documentation of the steps taken to correct each issue and verification of the accuracy of the information reported. \n\nIf you fail to address these issues promptly and thoroughly, I will have no choice but to notify the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office of your failure to comply with federal and state consumer protection laws. I will also consult my private attorney to explore all legal remedies available to me, including but not limited to, civil damages and any statutory penalties permitted under the FCRA and Texas law. \n\nPlease be advised that my financial status has been severely impacted by the false reporting and the failure to correct it. This situation has caused considerable distress, and I will not hesitate to take further action if this matter is not resolved expeditiously. \n\nI expect a prompt response and resolution. All findings must be sent to my contact information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2025-01-16T20:15:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11566977","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T20:04:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Improper Collection Reporting by XXXX XXXX XXXX Violation : XXXX XXXX XXXX reported inaccurate <em>debt</em> ownership and amounts, marking a <em>debt</em> as \" in collection '' <em>without</em> <em>proper</em> verification of <em>debt</em> ownership."]},"sort":[12.2502,"11566977"]},{"_index":"complaint-public-v1","_id":"2814607","_score":11.448535,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Loan Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, TX XXXX United States Securities and Exchange Commission XXXX County Sheriff Office of Consumer Fraud XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Ocwen Loan Services Attention Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flordia, XXXX The letter is a letter of disputed debt unded the 15 U.S. Code 1692 validation of debt. The letter is also regarding Foreclosure Fraud and Texas Status of limitation. I am asking Ocwen to provide proof of who the mortgage company not the trustee, which is XXXX. I am aking for the name of the actual mortgage company as I have asked in this letter sent to Ocwen, which was never revealed. Ocwen has a forecloser on my home schedule for XX/XX/XXXX. As noted in the US Code I have a right to know the name of the company that this debt is owed. Ocwen seems to only record XXXX XXXX   as the bank for the loan. I have never done business with XXXX XXXX or for that matter Ocwen. I am asking for Ocwen to produce the Name, Address of the Mortgage company that they service. I am asking for the mortgage company to be produce as paid in recourse on the Promissory note and deed, with the stamp date of sale and signature on the promissory note. status of limitation ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the  original creditor. \n\nOcwen acknowledges in their letter sent to the CPFB XX/XX/XXXX they do not know the originator of the Promissory note. They content that the original note holder is XXXX as the mortgage company and XXXX XXXX as the trustee. There is no way this can be, and if so this is a retroactive trust, which is Foreclosure Fraud which is illegal. Please note the transfer of assignments. The According to debt collection laws, as stated above if you do not know you shall cease collection of the debt or any disputed portion thereof. \n\nIn the notice of acceleration letter dated XX/XX/XXXX Ocwen list there address as the mortgage company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. Ocwen states the servicer is authorize to represent the Mortgagee. This is the issue who is the Mortgagee they are representing. I have asked this question several times and with no answer from Ocwen as you can see in their letter. Ocwen has created fake transfers of assignment to take possession of my home. How I know the transfers list OCWEN only and they are retroactive to an old trust. Not only that, the transfers were done 2 years after OCWEN states they took over the Loan. In XX/XX/XXXXOcwen was not allow to do any transfers due to Illegal activity Fraud.\n\nI am not the only person they have done this to using the back mortgage trust as the Mortgage company this is illegal. They can not retroactive a mortgage agreement. XXXX does not even have the transfer of assignment from the sale of XXXX. This loan was a fraud form the start and Ocwen knows it there are so many companies listed in the XXXX  system with the address of my home, and it shows a company that has the mortgage, but the issues is I never signed a contract or done business with the company. \nI have no new information showing any other mortgage company since XXXX who were taken over by the FDIC Federal Government for Fraud Foreclosures and Mortgage loans. I have checked the XXXX system that shows this loan has been sold so many times that the deed is now cloudy. Ocwen sent a transfer of deed, which is void due to the recording shows XXXX. This is a violation of the RESPA laws of 60 days. \nHome Equity Mortgage Loan Asset-Backed Trust Series INABS 2006-B, Home  Equity Mortgage Loan Asset-Backed Certificates Series INABS Status of limitation Under Texas laws of status of limitation foreclosure laws Ocwen has lost their right to a non-Judicial foreclosure under these laws. Ocwen stated in the letter provided dated XX/XX/XXXX the home was in an active foreclosure since XX/XX/XXXX, if this is the case and Ocwen did not implement the foreclosure the status is pass. Under Texas laws if a Non Judicial foreclosure sale has not taken place within four years the home can not be foreclosure via a Non Judicial foreclosure.\n\nTexas Civil Practice and Remedies Code - CIV PRAC & REM 16.035. Lien on Real Property 1.\n\n2. ( a ) A person must bring suit for the recovery of real property under a real property lien or the foreclosure of a real property lien not later than four years after the day the cause of action accrues.\n\n3. ( b ) A sale of real property under a power of sale in a mortgage or deed of trust that creates a real property lien must be made not later than four years after the day the cause of action accrues.\n\n4. ( c ) The running of the statute of limitations is not suspended against a bona fide purchaser for value, a lienholder, or a lessee who has no notice or knowledge of the suspension of the limitations period and who acquires an interest in the property when a cause of action on an outstanding real property lien has accrued for more than four years, except as provided by : 5. ( 1 ) Section 16.062, providing for suspension in the event of XXXX  ; or 6. ( 2 ) Section 16.036, providing for recorded extensions of real property liens.\n\n7. ( d ) On the expiration of the four-year limitations period, the real property lien and a power of sale to enforce the real property lien become void.\n\n8. ( e ) If a series of notes or obligations or a note or obligation payable in installments is secured by a real property lien, the four-year limitations period does not begin to run until the maturity date of the last note, obligation, or installment.\n\n9. ( f ) The limitations period under this section is not affected by Section 3.118, Business & Commerce Code.\n\n10. ( g ) In this section, real property lien means : 11. ( 1 ) a superior title retained by a vendor in a deed of conveyance or a purchase money note ; or 12. ( 2 ) a vendor 's lien, a mortgage, a deed of trust, a voluntary mechanic 's lien, or a voluntary materialman 's lien on real estate, securing a note or other written obligation.\n\nI HAVE NOT PAID ANYMONEY TO OCWEN NOR XXXX XXXX. OCWEN STATED THE HOUSE WAS IN FORECLOSURE IN XX/XX/XXXX THAT MEANS ACCORIDNG TO THE LAWS ABOVE THEY CAN NOT FORCLOSE USING A NON JURICIAL SALE Loan of Securitization Please note the loan is a loan of securitization Ocwen has obtain the loan through a seller market know as XXXX. Ocwen does not hold the promissory note to the home XXXX XXXX XXXX XXXX XXXX The Loan originated via a broker who solicited low income individuals with credit scores below 600. The process is know as Securitization. The broker sales to the market Warehouse of banks MER and XXXX XXXX at the time and later purchased by XXXX XXXX- ( XXXX-based XXXX agreed to purchase XXXX in XX/XX/XXXX for {$14.00} per share ) XXXX supposedly sold this loan around XX/XX/XXXX to XXXX servicer and XXXX XXXX XXXX XXXX I never received the transfer. I learn all of this by research. \nXXXX goes out of business and now XXXX comes in for the foreclosure of the loan this is pure securitization. The promissory note must has the original signature, which OCWEN has stated they do not own the loan they just service the loan with that you can not foreclose on my home. The trustee which is a substitute for XXXX XXXX has stated they do not own the promissory note. XXXX XXXX it seems do not hold the original promissory note due the loan seems to have been transferred from Ocwen. \n13. Ocwen states I was behind on my payments. Not true there was a plan in place by XXXX as stated in Ocwen Letter. Ocwen stopped taking payments and requested a modification. This was not obtainable due to Ocwen continuing lost of paper work or stating they were missing documents.\n\n14. Ocwen asked me to reapply for the loan and denied the loan stating it was more then 90 days pass due and that is why they could not obtain a modification. I explained to Ocwen per your letters in XX/XX/XXXX the loan was pass the 90 days. Ocwen asked me to reapply. XX/XX/XXXX.  Ocwen stated the house was in a foreclosure status when they obtained the loan in XX/XX/XXXX, if this is the case they have missed their right to a non judicial foreclosure sale it past the status 16. After much research I realize the loan was a Fraud after Ocwen nor XXXX XXXX  does not appear on the promissory note or deed. Ocwen attached the trust to a retroactive trust XXXX XXXX whom purchased XXXX. DOJ filed a complaint regarding XXXX XXXX see below. \n17. The mortgage company in the MERS is not somebody I have done business with also the loan has been sold so many times with most of the lenders not even appearing on the promissory note in Mers. This is racketeering, and a loan of securitization. \nhttps : XXXX I have asked Ocwen and XXXX to cease and desist they are not on the deed or the promissory note. I am demanding the sale date of XX/XX/XXXX is removed due to they do not have the correct documentation showing they are the owner of the property. \n\n\n\nViolation of Texas Foreclosure Procedures Ocwen did not notify me of a FORECLOSURE date on my property until after XX/XX/XXXX. I received notice from a source that my loan was in FORECLOSURE and posted at the County courts forsale. Without receiving a demand letter, or a certified by mail letter. \nOnce again as of XX/XX/XXXX Ocwen filed for foreclosure on the property without show who is the mortgage company name. Ocwen also violated Texas Foreclosures laws as it pertains to non-judicial foreclosures not only are they past the four-year status they are committing Foreclosure fraud. \nI have not been notified in writing as of XX/XX/XXXX by first class mail via the mortgage company nor the trustee office, but they have a sale date on the property of XX/XX/XXXX. I am to be certified in writing, before the posting of the property goes up for sale. See information listed in this letter due to this has been happening since XXXX with Ocwen not following the procedures. They not only did not follow the procedures they keep trying to take my home without proof of the mortgage company. \nFraud Foreclosure. Ocwen Loan Services and XXXX XXXX are violating Texas Foreclosure laws by committing fraud. I have never done business with Ocwen or XXXX XXXX as in contracting on my home. Ocwen in XXXX stated they purchased my loan. When question if they own the Loan they referred back to an old mortgage I had with XXXX as the mortgage on my home. I at that time knew it was a fraud, because XXXX had my loan maybe 6 months to a year before selling the loan. I asked them to provide proof all they can provide is a fraud transfer of assignment in XX/XX/XXXX and XX/XX/XXXX. The transfers are fraud. When asking for the name and address of the mortgage company they provided XXXX XX/XX/XXXX as the back trust. I knew something was wrong being I never done business with XXXX XXXX. In my research what I learned is XXXX XXXX purchased XXXX in XX/XX/XXXX way after my loan had been purchase. Then i notice this is retroactive to a prior trust this is fraud. There is no where on the deed of trust or the promissory note that shows I have done business with this company. \n\nf a Mortgage Assignment is dated, notarized and filed in a year after the year set forth in the name of the grantee trust on the Assignment, it is actually an Assignment specially, and in many cases, fraudulently, made to facilitate foreclosures. \n\nThese Specially-Made Assignments have created havoc in the courts. In many cases, the Specially-made Assignments are dated AFTER the foreclosure action has been initiated, making it appear that the Trust somehow magically knew prior to the assignment that it would acquire the defaulting property several months after the foreclosure action was initiated.\n\nRepeatedly, courts have asked Trustees to explain why they were acquiring non-performing loans and whether such acquisition was a violation of the trustees fiduciary duty to the Trust. No Trustee has ever come forth and explained that the Trust actually acquired the loan years before the Assignment. As a result, there are many decisions with observations similar to this observation made by XXXX XXXX XXXX XXXX of XXXX County, New York, in XXXX XXXX v. XXXX, 21 Misc. 3d 1124 [ A ] :  Further, according to plaintiffs application, the default of defendants XXXX and XXXX began with the nonpayment of principal and interest due on XX/XX/XXXX. Yet, four months later, plaintiff XXXX was willing to take an assignment of the instant nonperforming loan. The Court wonders why XXXX would purchase a nonperforming loan, four months in arrears? \n\nAnd in XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX, XXXX, New York, Index No. XXXX/XX/XX/XXXX ( XX/XX/XXXX ) : The information provided explains what Ocwen and XXXX is doing. This is Foreclosure Fraud and they do not own the property. I could not understand why I was unable to obtain a modification the reason is the plan was in place when I purchased my home to foreclose the property.\n\nNext Ocwen has miss the Status of Limitation in the State of Texas to file a Non Judicial foreclosure, which is four years in Texas. Ocwen stated in their letter that the home was in foreclosure in XX/XX/XXXXthat means the stature has passed. \nI am asking Ocwen to provide the name address, and phone number of the company that has the mortgage. The XXXX system shows about 20 different companies with this same home loan. This is impossible being I never done  business with the companies listed in XXXX.  XXXX XXXX shows as the last active account and I have no idea who they are and never received any information on the company. Next, Ocwen only can provide some fraud transfer of assignments dated XX/XX/XXXX way pass the RESPA laws of 60 days. In the transfer it states C/O for XXXX bank. That does not make it legal. I am asking Ocwen to provide the name of the Mortgage company, reveal the names of the group of investors and phone numbers. Ocwen even stated in their letter sent they were not around for the origination of the loan, therefore they have not knowledge of the original loan. You have violated the Debt Collection law if you can not prove the Debt you must cease and desist. Under the Debt collection laws. Also Ocwen never wrote my business. Texas has band Ocwen from doing any new business. I have informed Ocwen that they do not own my loan or can write any new business.\n\nContinue to file foreclosure without notifying the homeowner via certified mail.\n\nContacted Ocwen on XX/XX/XXXX and spoke with Ocwen Escalation manager who I informed to contact XXXX due to the manager stated he saw no foreclosure date on the property. When contacting XXXX they stated there was a sale date on the property and Ocwen has not been notified as of yet. The issuer is a violation of debt collection laws and Texas Foreclosure laws. I must have received a current up to date demand letter within 30-60 days given me the opportunity to cure the default. I am at this time disputing the debt. ( 1 ) Ocwen  does not hold the original promissory note. ( 2 ) The process was not followed. ( 3 ) This is a violation of the Debt Collection Laws. ( 4 ) Securitization is illegal. Foreclosure date added again XX/XX/XXXX.0 Transfer of assignments 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Ocwen transfer of assignments are voided due to illegal active and fraud the company has committed as listed by the All Fifty Attorney Generals XXXX, Fla.Attorney General XXXX XXXX and Florida Office of Financial Regulation Commissioner XXXX XXXX XXXX today filed a federal civil consumer protection lawsuit against XXXX XXXX XXXX of XXXX XXXX XXXX and its subsidiaries, Ocwen Loan Servicing, LLC and Ocwen Mortgage Servicing , Inc., for mortgage servicing misconduct.  According to the complaint, Ocwen harmed Floridians by filing illegal foreclosures, mishandling loan modifications, misapplying mortgage payments, failing to pay insurance premiums from escrow and collecting excessive fees. \nOcwen has been band in the State of Texas from writing new business. I applied so many times for a mortification with Ocwen and each time Ocwen found a way not to accept the modification. Ocwen, also stated they gave a modification XX/XX/XXXXand I miss the first payment. This modification was never finalized due to it was an in house modification. I am asking for the transcript of the phone conversation from Ocwen that proves the loan was cancel and resent XX/XX/XXXX after requesting the Hamp II modification that I qualified for.\n\nOcwen decided not to send the modification in time to make me miss the first payment. As listed in communication to the Attorney General of Florida and the Attorney General of Texas the first class envelope showing when the documentation was sent. I found out later that Ocwen had put an illegal mortification on my home without my signature. I noticed this on the bill and when questioning Ocwen about the modification. Ocwen explained the modification was added to the loan. I asked how can that be without my signature or a verbal agreement between the two of us. Ocwen stated they did not need a signature for them in house modification or a verbal agreement. I find this hard to believe there was no execution of documents this is illegal b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.\n\nWhen you sign a mortgage note it comes under UCC Article 3. After  securitization, it comes under Article 8. Under US law securitization is illegal because it is fraudulent. Ocwen has sent documentation to the Attorney General office with my name as the signer of the deed with OCWEN as C/O. I do not have any documentation with OCWEN. The document with XXXX  as we know is a fraud along with XXXX who sold the loan years ago. I have no new documentation showing they repurchased the loan and they are the servicers of the loan. I have no new documentation showing that XXXX XXXX repurchased the loan and did a transaction with OCWEN. XXXX sold to XXXX and XXXX XXXX, who did not send a transfer of assignment per RESPA laws. XXXX was seized but The loan was a subprime loan and I have proof. I had to file a bankruptcy in XX/XX/XXXX and the trustee filed many motion to get the correct amount for the loan due to XXXX and XXXX XXXX Bank kept increasing myloan. The attorneys and Trustee filed to obtain the correct loan amount, which took XXXX XXXX XXXX a year to give the correct amount. \nI had no idea my loan was a loan of Mortgage Fraud Securitization. I had no idea this loan was a fraud until I could not secure a HAMP II modification. The denial caused me to look closer into my loan and demand OCWEN provide proof of the loan. The documentation provided were only copies without the originals. Furthermore, the transfer of assignment recording shows 2years after the suppose transfer XX/XX/XXXX. The transfer supposedly took place in XX/XX/XXXX.I will be sending more information regarding the transfer. \n\nI will be sending in more information to the Attorney General, CPFB, all the attorney generals in the UNITED STATES, on The HAMP II modification and proof. At this time this is a demand for OCWEN to stay away from my deed. This is a demand that OCWEN remove the foreclosure Date. This is a demand that OCWEN provides a promissory note showing they are the originator of the Loan. This is a demand that OCWEN stop violation of the Fair Debt Collection LAW. This is a demand that Ocwen provide proof of the demand letter in the current year with date of certification.\n\nPower of Sale Foreclosure Guidelines If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows : 1. Prior to proceeding with a foreclosure, Texas laws state that the lender must mail the borrower a letter of demand, informing the buyer he has twenty ( 20 ) days to pay the delinquent payments or foreclosure proceedings will begin.\n\n2. At some point after the borrowers twenty ( 20 ) days have expired, but at least twenty one ( 21 ) days before the foreclosure sale, a foreclosure notice must be : 1 ) filed with the county clerk ; 2 ) mailed to the borrower at their last known address ; and 3 ) posted on the county courthouse door.\n\n3. The foreclosure sale must take place on the first Tuesday of any month, even if said Tuesday falls on a legal holiday, but only after the proper preliminary notices have been given. The sale is on the courthouse steps by auction to the highest bidder for cash. Anyone may bid, including the lender, who bids by canceling out the balance due on the note, or some part of it.\n\nLenders may obtain deficiency judgments, but they are limited to the difference between the fair market value of the property at the time of sale and the balance of the loan in default. \nTransfers and Modifications Please note as to the dispute documentation from Ocwen showing they sent the letter of transfers and it shows in the transfer that I was notified regarding the Section 6 Real Estate along with the transfer. Ocwen seems to States they sent several documentations to my current address the problem are there is no proof of mailing to the address. I have asked Ocwen in writing several times to certify me when mailing documentation. This was put in the dispute letter stamped by Ocwen received on XX/XX/XXXX. Ocwen sent affidavits for the proof of mailing this is not the sam Ocwen seems to have a habit of saying they mailed items, which were not received. I am asking them to provide the proof of mailing. \nFRAUD TRANSFER OF ASSIGNMENT NEED TO BE RESOLVED After asking the question to Making Home Affordable about fraud and modification. I at that time realize the loan was a fraud and contacted the Attorney General office of Texas, and Florida. This opens up more criminal activities as a servicer is lying saying they hold the promissory note. NOTE : At one point, any person can create a transfer of assignment and register it with the County Real Property.\n\nThe transfer Owen created shows the transfer was done in XX/XX/XXXX violation of the RESPA there is no way they sent me a letter this late in process. Also there is no mortgage company that backing OCWEN servicing company. The company that transfer the loan is no longer in business XXXX servicer and XXXX XXXX XXXX. \nOcwen is stating that XXXX XXXX  is the Trustee Bank and XXXX XXXX is the servicer. As you can see in the transfer by Ocwen in XX/XX/XXXX they listed XXXX XXXX who was my servicers and XXXX XXXX   my mortgage company in XX/XX/XXXX. I have not received any notification from Mortgage it that they are servicing my loan again nor the bank that is backing them I am asking for the proof of mailing.\n\nThe original mortgage Originated with Alternative Mortgage who transfer the loan to XXXX XXXX who does not own the promissory note. I will have to say after tracing back documentation this agreement was not clear and I did not have the knowledge of the issues that have taken place from origination of the loan. This is truly the process of Securitization and no one holds the original deed and promissory note XXXX as you can see was not the originator of the loan therefore can not hold the promissory note. Ocwen has purchased a fraud loan. The information on the Law of Securitization the loan is a fraud. The intent was all along to foreclose on my home and defraud the government and me the homeowner. I filed for bankruptcy XX/XX/XXXX OCWEN  stated they sent many documents I never received. I am requesting they show proof of mailing of all denial letters as I asked them to certify all documentation XX/XX/XXXX in order to resolve the issue of my statement never received. Ocwen stating we sent it to the customer. As we know they have been sued for miss dates to customers when mailing documentation. \nNever Resolved I was offered a modification in XX/XX/XXXX, but I missed the first payment date of XX/XX/XXXX per Ocwen. I responded to the Ombudsman office showing proof of mailing dated please see envelop that shows the date I received the modification that I had requested several time. I question Ocwen on, if they offered me a modification and it shows on the statement. Please explain why there was not signature and my approval of the false modification you put on the statement to cover the lie that you sent me a modification and I missed the first payment. I was sent documentation that showed no signatures on the modification. I asked how can you implement a modification without signatures. I was told on the in house modification they do not need a signature. I never approved this modification. Another one of Ocwen Scams. \nThey filed affidavits of mailing. I HAVE NEVER DONE BUSINESS WITH OCWEN OR XXXX XX/XX/XXXX. In the MER system my house address is listed with about 20 different mortgage companies that had the loan and I was never notified. Also the mortgage that shows active I have never done business with. OCWEN NOR XXXX XXXX  is listed as one of the mortgage ocwner or trustee. \nOCWEN AND XXXX XXXX HAVE ATTACHED MY MORTGAGE TO AN OLD TRUST AND IN XX/XX/XXXX WHEN I DISCOVERED IT AND CONFORTED OCWEN, THEY WENT AND DID A TRANSFER OF ASSIGNMENT MAKING CORRECTION TO THE LOAN. OCWEN WHEN ASK TO SEND THE TRANSFER OF ASSIGMENT FROM XXXX XXXX  THEY CREATED ANOTHER TRANSFER OF ASSIGMENT WITH CARE OF C/O XXXX XXXXI am demanding they stop trying to put my home for sale to the first buyer to obtain cash and the deed is fake. I am demanding this foreclosures sale is stop Debt collect laws states if they can not prove the debt they must cease and desist. I am demanding the name of the investors, the mortgage company name and address that has the deed and promissory note with stamp paid to as it was listed for all other deed transaction. \nSincerely, XXXX XXXX Once again they did not follow the Texas Foreclosure Procedures to send a certified letter of the sale within 20 days per Texas laws and 30 days per my contract. I am requesting a copy of the certification that was sent. I am disputing the debt.","date_sent_to_company":"2018-02-14T18:42:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"2814607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-02-14T18:10:56.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["You have violated the <em>Debt</em> Collection law if you can not prove the <em>Debt</em> you must cease and desist. Under the <em>Debt</em> collection laws. Also Ocwen never wrote my business. <em>Texas</em> has band Ocwen from doing any new business. I have informed Ocwen that they do not own my loan or can write any new business.\n\nContinue to file foreclosure <em>without</em> notifying the homeowner via certified mail."]},"sort":[11.448535,"2814607"]},{"_index":"complaint-public-v1","_id":"13071362","_score":11.37437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXExperian Information Solutions, Inc.XXXX XXXX XXXX XXXX XXXXRE: FORMAL DISPUTE AND DEMAND FOR IMMEDIATE ACTION UNDER FCRA  605B, 1681i  FILE CORRECTION DEMAND DUE TO IDENTITY THEFT AND NEGLIGENCEXXXXTo Whom It May Concern:XXXXThis letter serves as a formal demand for the immediate removal of multiple inaccurate, incomplete, and potentially fraudulent accounts listed on my credit report generated by Experian on XXXX XXXX XXXX This demand is made under the Fair Credit Reporting Act (FCRA)  605B and 1681i, as well as protections afforded under federal consumer protection law.XXXXDespite my prior dispute efforts, your agency has failed to conduct a legally compliant and reasonable reinvestigation. As outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian (Case No. 8:25-cv-00024), Experian has demonstrated systemic failures in dispute resolution, including:XXXX Failing to forward all relevant consumer documentation to furnishers;\\n Transmitting inaccurate dispute codes and misrepresenting the nature of consumer disputes;\\n Over-relying on automated furnisher responses, even when obviously erroneous or internally contradictory;\\n Providing consumers with unclear or misleading dispute outcome notifications;XXXX Failing to complete reinvestigations in the required timeframesXXXXYou are now on notice that such practices directly violate 15 U.S.C.  1681i(a) and the Consumer Financial Protection Act. Your reinvestigation into multiple disputed tradelinesincluding but not limited to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Charged OffXXXX Balance: $XXXX\\n Dispute: I have no knowledge of this account. It was charged off with no prior notice. Please provide all documentation supporting this debt or remove it entirely.\\XXXX XXXX XXXX XXXX XXXX  Status: Charged Off\\XXXX Balance: $XXXX Dispute: I do not recognize this account. I never opened an account with XXXX XXXX  This is potentially fraudulent and must be investigated.\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Closed with 3 late payments\\n Dispute: I have no knowledge of this account. A consumer statement has already been placed, but this account continues to negatively impact my credit and should be removed.\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status: Charged Off\\n Balance: $XXXX Dispute: I have no knowledge of this account. This account shows an excessively inflated past due amount and was previously disputed. I request validation of this debt and correction or deletion if proper documentation cannot be provided.XXXX Multiple Dept of Education/XXXX  XXXX (XXXX  separate accounts)\\n Status: All Open, Deferred, with multiple 90180 day late payments reported\\n Dispute: Payments are currently deferred, yet each loan shows significant delinquencies. These inconsistencies conflict with the stated deferred status. I request an audit and correction of the reported late payments.XXXX XXXX XXXX XXXX XXXX XXXX  Status: Past Due - 60 days\\n Dispute: I dispute the reported late payments, as I believe the reporting dates are inaccurate. Please verify the actual payment history or correct this error.XXXX XXXX XXXX XXXX XXXX XXXX Status: Closed/Never Late\\n Dispute: A consumer statement indicates disagreement with a previous investigation. I request reinvestigation and removal if documentation is not sufficiently providedXXXX XXXX Status: Paid/Closed/Never Late\\nDispute: I have no knowledge of this account. 10. XXXX XXXX XXXX Status: Paid/Closed\\nDispute: I have no knowledge of this account.\\nThese accounts were grossly inadequate. Your records even contain Completed investigation of FCRA dispute  consumer disagrees, which only reaffirms your failure to verify or correct false information and continues to damage my financial standing.\\n\\nAdditionally, I remind you of the XXXX  data breach of XXXX, which compromised my personal identifying information. I reserve the right to assert that any suspicious or unknown tradeline may have resulted from identity theftespecially given that Experian, XXXX, and XXXX  all participated in the same negligent data ecosystems that led to my exposure. Pursuant to FCRA  605B, you are legally obligated to block such fraudulent tradelines within 4 business days of receiving an identity theft report, my statement of non-involvement, and proper identificationwhich I am prepared to submit again if needed.\\n\\nTherefore, I DEMAND:\\n1. The immediate removal of all inaccurate, unverifiable, or fraudulent tradelines from my credit file;\\n2. A full, written explanation of what, if anything, was updated or deleted;\\n3. That no disputed tradeline be reinserted without full compliance with 15 U.S.C.  1681i(a)(5)(B)-(C).\\n\\nFailure to comply within the legal timeframe will result in the immediate filing of complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission, the Texas Attorney Generals Office, and potentially civil action for willful noncompliance and defamation under the FCRA.\\n\\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-19T22:06:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"13071362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-19T21:19:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As outlined in the recent <em>lawsuit</em> filed by the Consumer Financial Protection Bureau <em>against</em> Experian (Case No. 8:25-cv-00024), Experian has demonstrated systemic failures in dispute resolution, including:XXXX Failing to forward all relevant consumer documentation to furnishers;\\n Transmitting inaccurate dispute codes and misrepresenting the nature of consumer disputes;\\n Over-relying on automated furnisher responses, even when obviously erroneous or internally contradictory;\\n <em>Providing</em> consumers"]},"sort":[11.37437,"13071362"]},{"_index":"complaint-public-v1","_id":"5724001","_score":11.255352,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear CFPB In relation to ID XXXX regarding the company response ( Equifax ) XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that XXXX and Equifax please \" remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full. \n\nPlease note that my reply to this company ( Equifax ), a response regarding the CFPB ID : XXXX, should not be marked nor identified as a duplicate complaint. Per the Fair Debt Collection Practices Act ( FDCPA ) rules in the law, Equifax must act by complying with my full original request for a fair resolution : \" remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state. However, Equifax continues to ignore my request, and respond with the following : A summary of the results are listed below : Collection : XXXX XXXX XXXX XXXX XXXX XXXX THIS CREDITOR IS CURRENTLY REPORTING A XXXX BALANCE FOR THIS ACCOUNT. \n\nFor Equifax to merely reflect that the collection is now XXXX  balance on my credit report profile, is not acceptable. XXXX and XXXX, who are also credit reporting agencies, have complied with my request to remove the collections from my credit profile and returned my FICO credit score back to its original state. The third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX reported an erroneous and fraudulent debt transaction from XXXX ( XXXX ), on my credit report profiles without my knowledge or contact me by mail, email, or telephone, to inform and notify me of the debt, nor allowed me an opportunity to dispute and respond to the debt, prior to placing the debt on my credit report. These actions are VIOLATION of the Fair Debt Collection Practices Act ( FDCPA ) law. At this time, the debt collector, ( XXXX XXXX XXXX XXXX XXXX ), has violated the FDCPA rules in the law ; therefore, my request to Equifax is that the collection is REMOVED from my credit reporting profile and that my FICO credit score RETURN to its original state ; not to merely reflect that the collections show a XXXX balance. The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors that dont comply with the rules of the law. Due to the collection from the third-party collection agency ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NOT complying with the Fair Debt Collection Practices Act ( FDCPA ) rules in the law, Equifax can no longer ignore the law and my full request. Equifax MUST comply with the FDCPA XXXX and REMOVE the negative, erroneous, and fraudulent collection agency XXXX XXXX XXXX XXXX XXXX XXXX ), FROM my credit report profile IMMEDIATELY, and RETURN my credit score back to its ORIGINAL state ; or it will leave me with no other choice but to proceed with an FDCPA lawsuit against Equifax, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. An FDCPA lawsuit can be costly to defend and may result in a judgment against Equifax, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  Therefore, this is my final plea and request to the Consumer Financial Protection Bureau ( CFPB ), to submit my reply requesting Equifax to comply with my original full fair resolution request. In addition, on XX/XX/XXXX, I have submitted the following complaint/letter to the Federal Trade Commission XXXX FTC ) and the Texas Attorney Generals Office : TO WHOM IT MAY CONCERN : Per my most recent recorded telephone conversation held with a member of management ( XXXX XXXX XXXX XXXX XXXX of the third-party collector, XXXX XXXX XXXX XXXX  XXXX located at XXXX XXXX XXXX, XXXX XXXX NY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX, Telephone Number : ( XXXX ) XXXX, or ( XXXX ) XXXX, Website : XXXX Tuesday, XX/XX/XXXX, at XXXX p.m. XXXX, XXXX XXXX XXXX XXXX, stated that their office does not have a telephone number or email address on file for me, XXXX XXXX, XXXX, as XXXXhe Debtor ( consumer ). However, per their \" company '' ( XXXX XXXX XXXX XXXX ), response on XX/XX/XXXX, to the Debtors filed complaint with Consumer Financial Protection Bureau ( CFPB ), case ID XXXX, XX/XX/XXXX, their Company stated the following : XXXX  wrote to and called the consumer to advise him of the account. Prior to our receipt of the within complaint, XXXX had already ceased collection efforts. \nI informed the third-party collector, Member of Management ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, during our recorded telephone conversation that I never received a mailed notification from XXXX XXXX  XXXX XXXX XXXX nor a phone call per their response to CFPB. In responding to XXXX XXXX XXXX XXXX 's response, I called and spoke to a CFPB representative by the name of XXXX on XX/XX/XXXX, and provided written feedback to the company response, stating the following : Dear Consumer, Financial Protection Bureau, in relation to ID XXXX regarding XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have spoken to a CFPB Representative by the name of XXXX on XX/XX/XXXX, who informed me that the case ID XXXX had been \" closed '' after the company response, which did not allow me an opportunity to comment ( reply ) to the \" company '' response. Therefore, to confirm that my reply will be reviewed and submitted to the company XXXX XXXX XXXX XXXX XXXX XXXX ), I am submitting another complaint requesting that case ID XXXX be reopened. In order to assist CFPB to better work with consumer complaints together, we can eventually stop dishonest third-party collection agencies such as XXXX XXXX XXXX XXXX XXXX XXXX from automatically placing negative information on a consumers credit profile, without notifying the consumer and allowing the proper amount of time for the consumer to respond, I am providing additional feedback to the companys ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX response to assist in stopping and not continue these malicious acts. XXXX is unable to provide any documentation that, XXXX, wrote to and called, XXXX XXXX, XXXX, ( the consumer ), to advise me of the account reported to them on XX/XX/XXXX, by XXXX XXXX XXXX  ) for collection. I, XXXX XXXX, XXXX, ( the consumer ), did not know that XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), had placed the erroneous and negative information on my credit profile until AFTER notification was received from XXXX. The Law protects our rights as consumers regarding Credit Collections and Reporting. The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did not comply with the FDCPA rules in the law. Therefore, I am requesting that XXXX XXXX XXXX XXXX XXXX, provide a documentation log of their attempts to contact me, the consumer, in writing and by telephone, advising XXXX XXXX, XXXX, ( the consumer ), of the account, reported to XXXX  on XX/XX/XXXX, by XXXX XXXX XXXX XXXX for collection. In addition, I am requesting that XXXX provide transparent clarification of any credit reporting XXXX provided on behalf of the creditor, as being deleted accordingly, and that the deletion has been confirmed with whom? Who has XXXX confirmed the deletion with? \nPer my most recent recorded telephone conversation held with a member of management ( XXXX XXXX XXXX XXXX, of the third-party XXXX, XXXX XXXX  XXXX XXXX XXXX Tuesday, XX/XX/XXXX, at XXXX p.m. XXXX, XXXX XXXX stated that XXXX  could not fulfill Equifax request to submit a Deletion Request so that Equifax could perform the same as XXXX by removing the erroneous XXXX XXXX XXXX XXXX collection from my credit report. XXXX XXXX, management with XXXX XXXX XXXX XXXX, informed that their office received the misrepresentation of the facts file from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and the third-party XXXX, XXXX XXXX XXXXXXXX XXXX XXXX reported it to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX roughly around XX/XX/XXXX. UNACCEPTABLE! XXXX XXXX XXXX XXXX 's communication tactics timeline does not comply with the rules in the law of the Fair Debt Collection Practices Act ( FDCPA ). I asked XXXX XXXX when did their office send me a notification informing me that the debt had been received at their office for collections? XXXX XXXX response was, XX/XX/XXXX ( the same day as their receipt of the account ). I find XXXX XXXX timeline response also hard to believe. I then asked XXXX XXXX what address did they mail the notification to? His response was, to my present residence. I personally knew that the third-party collectors, XXXX XXXX XXXXXXXX XXXX XXXX XXXX not have my present resident address on file until I called their office, on XX/XX/XXXX, and paid off the debt once I was notified by XXXX, on XX/XX/XXXX, that the collection had been placed on my credit report. I then called and provided the XXXX XXXX XXXX XXXX Representative, XXXX XXXX XXXX with my current residential address information so that XXXX XXXX XXXX XXXX could mail me a confirmation that the debt has been paid in full in the amount of {$100.00}. Considering I was informed of inaccurate information from XXXX XXXX, I called back and requested to speak to a XXXX XXXX XXXX XXXX member of management, XXXX XXXX XXXX, who clarified that it could take 30-90 days for the paid in full payment to reflect on the account and for me to communicate with XXXX regarding the removal of the collection from my credit report profile. However, XXXX was able to remove the negative erroneous collection from my credit report profile immediately. I did not find out that the XXXX XXXX XXXX XXXX collection was also reported to the two other credit reporting agencies ( XXXX, and Equifax ), until Wednesday, XX/XX/XXXX, and immediately reached out to the additional credit reporting agencies to start the dispute process to provide proof of payment and requesting that the negative and erroneous collections be removed from my credit report profile ( as XXXX had done ), but to no avail. The actions of the creditor, XXXX XXXX ( XXXX  ), and the credit reporting agencies, ( XXXX, and Equifax ), are unlawful and the misrepresentation of facts to the third-party collection agency ( XXXX  XXXX XXXX XXXX XXXX XXXX provided by XXXX Communications XXXX XXXX ), is a violation of the FDCPA rules in the law. \nXXXX XXXX XXXX XXXX written response to the CFPB is contradicting what their member of Management ( XXXX XXXX XXXX XXXX, provided during our recorded conversation, on XX/XX/XXXX. I was never notified by the third-party collection XXXX XXXX XXXX XXXX informing me that the debt had been turned over to a third-party collection, nor was the proper time provided to give me a chance to pay the debt or dispute the debt, given the timeline provided by the member of management with the third-party collection XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. \nThe third-party collection agency XXXX XXXX XXXXXXXX XXXX was unable to provide transparency to the consumer and to the CFPB, with a documentation log of their attempts to contact the consumer regarding the debt and provided the consumer with the required time per the FDCPA rules of law to respond to the notice prior to reporting the erroneous debt to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX Therefore, due to the negligence of the third-party collection agency, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting that XXXX XXXX  XXXX XXXX XXXX communicate with the credit reporting agencies ( XXXX and Equifax ) to \" remove '' the false statement and negative collection ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX from my credit report profile BEFORE '' a seven ( 7 ) year period, so that my FICO score and credit report can restore to its original positive state. \nYour kind assistance to further investigate this matter and to provide additional knowledge and instructions for having XXXX and Equifax remove the negative paid in full third-party collections account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX from my credit report due to it is hurting my FICO credit score and causing emotional distress. I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability ; therefore, your assistance will be greatly appreciated. In addition, I am contacting my state Attorney General 's office to receive guidance on a possible FDCPA lawsuit and for any possible state law actions against the debt collector ( XXXX XXXX XXXX XXXX ). I would like to confirm with my State Attorney Generals office if they have received complaints from other consumers against the debt collector ( XXXX XXXX XXXX XXXX ), and if it gets enough complaints against this one collector, it might prosecute ( XXXX XXXX XXXX XXXX ), on behalf of the state of Texas. \nCollection Agencies must utilize judicious decision-making regarding what is reported to the credit reporting agencies ( XXXX, XXXX, and Equifax ) XXXX to confirm the accuracy and to complete a thorough due diligence process to properly notify the consumer and allow time for the consumer to respond to their notification prior to placing negative erroneous information to ones credit profile. I do hope I have provided enough detailed information to your staff to review this matter. It is important that we take the time and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and I look forward to our continuous communication. \n\nBest regards, XXXX XXXX, XXXX Email : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Enclosure","date_sent_to_company":"2022-07-13T17:46:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76244","tags":null,"has_narrative":true,"complaint_id":"5724001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-30T19:43:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In addition, I am contacting my state Attorney General 's office to receive guidance on a possible FDCPA <em>lawsuit</em> and for any possible state law actions <em>against</em> the <em>debt</em> collector ( XXXX XXXX XXXX XXXX )."]},"sort":[11.255352,"5724001"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":26,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":26}]}},"product":{"doc_count":26,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":6},{"key":"Other debt","doc_count":3},{"key":"I do not know","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":26,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3}]}},{"key":"Written notification about debt","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":3},{"key":"Didn't receive enough information to verify debt","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Threatened to sue you for very old debt","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":3}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":26,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":26}]}},"company_response":{"doc_count":26,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":23},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":26,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":26}]}},"company":{"doc_count":26,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":9},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"DISCOVER BANK","doc_count":2},{"key":"CORELOGIC INC","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Greenberg, Grant & Richards Inc.","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":26,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":23},{"key":"OK","doc_count":2},{"key":"AZ","doc_count":1}]}},"company_public_response":{"doc_count":26,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":13},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":26,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[11.254728,"5724001"]}}}