{"took":1477,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3221495","_score":20.593046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX ; XXXX have Tendered payments thereto said Discover as of XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. It is now 36 days later and I have yet to receive a response.\n\nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. Discover card never got in contact with me about the Tender of Payment that was submitted to them in fact they closed my account with the credit bureaus causing my credit to go down for a debt that was paid in full. They did so without my consent or acknowledgement, they did not notify me that they were closing my accounts yet they continue to send me bills through the mail. What did you discover do with my money? Why are they still billing me for a debt that is paid in full? Why is Discover debt collectors attempting to call my phone for a debt that is already paid. Why was my account not credited? \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and XXXX and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation, and there are limits on repeated calls nonetheless the call persist. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 36 ] thirty six days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T18:55:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-04-24T18:48:16.000Z","state":"NV","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[20.593046,"3221495"]},{"_index":"complaint-public-v1","_id":"3221548","_score":19.83732,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX-XXXX ; XXXX have Tendered payments thereto XXXX   XXXX as of XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact they have reluctantly responded approximately 21 days later. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity. The account will be reported to the consumer agencies as Account closed by credit grantor. What unauthorized payment method is XXXX XXXX XXXX speaking of because I submitted a very lawful document with my Tender of Payment? Also I am the credit grantor and I did not authorize for XXXX XXXX to close my account. If XXXX  XXXX chose to do so which I know they did because it is no longer on my credit report that they did so without my consent. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. XXXX XXXX XXXX did not return the Tender of Payment to me therefore it is implied that it was accepted and that my debt is paid in full. However my account has not been credited. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, Equifax, and XXXX and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation. \nStating that the tender of payment in unauthorized made me feel that XXXX XXXX XXXX is attempting to state that the Tender of Payment is not a Lawful or legal payment, this makes me feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms of the delivery which is undeniable proof that it was received, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:30:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-24T19:25:32.000Z","state":"NV","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity."]},"sort":[19.83732,"3221548"]},{"_index":"complaint-public-v1","_id":"3221560","_score":19.835287,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX ; XXXX have Tendered payments thereto XXXX    XXXX as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days  of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact they have reluctantly responded approximately 21 days later.\n\nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail  time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity. The account will be reported to the consumer agencies as Account closed by credit grantor. What unauthorized payment method is XXXX  XXXX bank speaking of because I submitted a very lawful document with my Tender of Payment? Also I am the credit grantor and I did not authorize for XXXX XXXX to close my account. If XXXX  XXXX chose to do so which I know they did because it is no longer on my credit report that they did so without my consent. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any XXXX XXXX XXXX. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. XXXX XXXX Bank did not return the Tender of Payment to me therefore it is implied that it was accepted and that my debt is paid in full. However my account has not been credited. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation. \nStating that the tender of payment in unauthorized made me feel that XXXX XXXX bank is attempting to state that the Tender of Payment is not a Lawful or legal payment, this makes me feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX Session, XXXX XXXX, XX/XX/XXXX on HR XXXX p. XXXX. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any XXXX XXXX XXXX to include any XXXX XXXX XXXX XXXX to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US  government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms of the delivery which is undeniable proof that it was received, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:34:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-24T19:31:15.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em>  <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity."]},"sort":[19.835287,"3221560"]},{"_index":"complaint-public-v1","_id":"3221559","_score":19.762321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX-XXXX ; XXXX have Tendered payments thereto XXXX   XXXX as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact they have reluctantly responded approximately 21 days later. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity. The account will be reported to the consumer agencies as Account closed by credit grantor. What unauthorized payment method is XXXX XXXX XXXX speaking of because I submitted a very lawful document with my Tender of Payment? Also I am the credit grantor and I did not authorize for XXXX XXXX to close my account. If XXXX XXXX chose to do so which I know they did because it is no longer on my credit report that they did so without my consent. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. XXXX XXXX XXXX did not return the Tender of Payment to me therefore it is implied that it was accepted and that my debt is paid in full. However my account has not been credited. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation. \nStating that the tender of payment in unauthorized made me feel that XXXX XXXX XXXX is attempting to state that the Tender of Payment is not a Lawful or legal payment, this makes me feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms of the delivery which is undeniable proof that it was received, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:37:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-04-24T19:34:44.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing was that my account is closed do to unauthorized payment activity."]},"sort":[19.762321,"3221559"]},{"_index":"complaint-public-v1","_id":"3221546","_score":19.711601,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX-XXXX ; XXXX have Tendered payments thereto said XXXX as of XXXX XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. It is now 36 days later and I have yet to receive a response. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. XXXX XXXX   never got in contact with me about the Tender of Payment that was submitted to them in fact they closed my account with the credit bureaus causing my credit to go down for a debt that was paid in full. They did so without my consent or acknowledgement, they did not notify me that they were closing my accounts yet they continue to send me bills through the mail. What did you XXXX do with my money? Why are they still billing me for a debt that is paid in full? Why is XXXX debt collectors attempting to call my phone for a debt that is already paid. Why was my account not credited? \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation, and there are limits on repeated calls nonetheless the call persist. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 36 ] thirty six days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:25:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-04-24T19:22:15.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[19.711601,"3221546"]},{"_index":"complaint-public-v1","_id":"3221543","_score":19.711601,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX ; XXXX have Tendered payments thereto said XXXX as of XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. It is now 36 days later and I have yet to receive a response. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. XXXX card never got in contact with me about the Tender of Payment that was submitted to them in fact they closed my account with the credit bureaus causing my credit to go down for a debt that was paid in full. They did so without my consent or acknowledgement, they did not notify me that they were closing my accounts yet they continue to send me bills through the mail. What did you discover do with my money? Why are they still billing me for a debt that is paid in full? Why is XXXX debt collectors attempting to call my phone for a debt that is already paid. Why was my account not credited? \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX   and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation, and there are limits on repeated calls nonetheless the call persist. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 36 ] thirty six days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:21:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-24T19:17:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[19.711601,"3221543"]},{"_index":"complaint-public-v1","_id":"3221514","_score":19.711601,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX ; XXXX have Tendered payments thereto said XXXX as of XXXX XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. It is now 36 days later and I have yet to receive a response. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage  garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. XXXX XXXX   never got in contact with me about the Tender of Payment that was submitted to them in fact they closed my account with the credit bureaus causing my credit to go down for a debt that was paid in full. They did so without my consent or acknowledgement, they did not notify me that they were closing my accounts yet they continue to send me bills through the mail. What did you discover do with my money? Why are they still billing me for a debt that is paid in full? Why is XXXX debt collectors attempting to call my phone for a debt that is already paid. Why was my account not credited? \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. If it is not returned it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, Equifax, and XXXX and others if i didn't make a payment. When they do, they cant reveal the debt without verification and validation, and there are limits on repeated calls nonetheless the call persist. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that I XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 36 ] thirty six days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:15:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221514","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-24T19:07:32.000Z","state":"NV","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em>  <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[19.711601,"3221514"]},{"_index":"complaint-public-v1","_id":"3221596","_score":18.54515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact the first response I received was written on XX/XX/XXXX which is 13 days after it was received. And I did not receive it until XX/XX/XXXX making it 20 days. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was sent to me in the mail 21 days later written on XX/XX/XXXX was that XXXX t will not modify or delete my status report. And that my account now reflects the amount of {$1300.00}. However the bill I have when I submitted the tender of payment states that my remaining balance was {$1300.00}. \nI do not have a contract with XXXX  as they have stated in the document that was sent to me by mail. The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. The letter XXXX sent me states that I entered an agreement with them each time I authorized a transaction on the account. What does that mean? I do not have a credit card with XXXX to authorize any transactions. I was never provided with one. Furthermore, without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. The document sent to me by XXXX states that they will not delete or modify my status report. I believe that it is there way of stating that they are not accepting my Tender of Payment however it was not sent back to me. And if the original Tender of Payment is not sent back five days after the corporation has received it then undamaged then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full.\n\nRather it has been over [ 34 ] thirty four days and nothing has posted as paid tendered or discharged and this  disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post signature as undeniable delivery proof which is and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:50:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-24T19:47:12.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[18.54515,"3221596"]},{"_index":"complaint-public-v1","_id":"3221595","_score":18.54515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX-XXXX  ; XXXX have Tendered payments thereto XXXX XXXX of XX/XX/2019 with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact the first   response I received was written on XX/XX/2019 which is 13 days after it was received. And I did not receive it until XX/XX/2019 making it 20 days. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was sent to me in the mail 21 days later written on XX/XX/XXXX was that XXXX t will not modify or delete my status report. And that my account now reflects the amount of {$1300.00}. However the bill I have when I submitted the tender of payment states that my remaining balance was {$1300.00}. \nI do not have a contract with XXXX as they have stated in the document that was sent to me by mail. The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. The letter XXXX sent me states that I entered an agreement with them each time I authorized a transaction on the account. What does that mean? I do not have a credit card with XXXX to authorize any transactions. I was never provided with one. Furthermore, without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. The document sent to me by XXXX  states that they will not delete or modify my status report. I believe that it is there way of stating that they are not accepting my Tender of Payment however it was not sent back to me. And if the original Tender of Payment is not sent back five days after the corporation has received it then undamaged then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 34 ] thirty four days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post signature as undeniable delivery proof which is and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-24T19:46:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3221595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-24T19:40:59.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[18.54515,"3221595"]},{"_index":"complaint-public-v1","_id":"3219936","_score":18.54515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX ; XXXX have Tendered payments thereto said creditors as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact the first response I received was written on XX/XX/XXXX which is 13 days after it was received. And I did not receive it until XX/XX/XXXX making it 20 days. \nFalse Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was sent to me in the mail 21 days later written on XXXX XXXX was that they will not modify or delete my status report. And that my account now reflects the amount of {$1300.00}. However the bill I have when I submitted the tender of payment states that my remaining balance was {$1300.00}. \nI do not have a contract with synchrony as they have stated in the document that was sent to me by mail. The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. The letter synchrony sent me states that I entered an agreement with them each time I authorized a transaction on the account. What does that mean? I do not have a credit card with synchrony to authorize any transactions. I was never provided with one. Furthermore, without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance. \nBy law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. The document sent to me by synchrony states that they will not delete or modify my status report. I believe that it is there way of stating that they are not accepting my Tender of Payment however it was not sent back to me. And if the original Tender of Payment is not sent back five days after the corporation has received it then undamaged then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws. \nThe new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. \nTherefore all are hereby notified that XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. \nRather it has been over [ 34 ] thirty four days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post signature as undeniable delivery proof which is and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!","date_sent_to_company":"2019-04-23T12:58:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89128","tags":"Servicemember","has_narrative":true,"complaint_id":"3219936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-04-23T12:51:41.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[18.54515,"3219936"]},{"_index":"complaint-public-v1","_id":"3208513","_score":10.160641,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms 3811 green cards which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.\n\nVerification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.\n\nValidation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n. ( 3 ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney.\n\n. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\n1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ).\n\n. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter.\n\n. ( 7 ) The false representation or implication that the con- sumer committed any crime or other conduct in order to disgrace the consumer.\n\n. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, or approval.\n\n. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n. ( 11 ) The failure to disclose in the initial written communi- cation with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempt- ing to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n9 15 USC 1692f. ( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n. ( 16 ) The false representation or implication that a debt col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title.\n\nYou have done so without impunity and correction.\n\n808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit.\n. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose of threatening or instituting criminal prosecution.\n\n. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n. ( 5 ) Causing charges to be made to any person for com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\nEach time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge.\n\n809. Validation of debts. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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\n. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n12 ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly re- quired by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connec- tion with debt collection for purposes of this section.\n\nWe demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \nIt appears that XXXX is using the credit agency or bureau TransUnion to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called Fannie Mae the Lender and XXXX the servicer. Please see attachments.","date_sent_to_company":"2019-04-11T07:47:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3208513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-11T03:04:47.000Z","state":"NV","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":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[10.160641,"3208513"]},{"_index":"complaint-public-v1","_id":"3208516","_score":10.098213,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to XXXX, XXXX, and Experian and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms XXXX XXXX XXXX which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. \nVerification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \nValidation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this. \n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay. \n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity. \n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n. ( 3 ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney.\n\n. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ). \n. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. \n. ( 7 ) The false representation or implication that the con- sumer committed any crime or other conduct in order to disgrace the consumer. \n. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, or approval. \n. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n. ( 11 ) The failure to disclose in the initial written communi- cation with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempt- ing to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n9 15 USC 1692f. ( 13 ) The false representation or implication that documents are legal process. \n( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.\n\n. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n. ( 16 ) The false representation or implication that a debt col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title. \nYou have done so without impunity and correction. \n808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit. \n. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose of threatening or instituting criminal prosecution. \n. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. \n. ( 5 ) Causing charges to be made to any person for com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. \nEach time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge. \n809. Validation of debts. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). \n12 ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly re- quired by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connec- tion with debt collection for purposes of this section. \nWe demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud. \n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \nIt appears that XXXX is using the credit agency or bureau XXXX to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called XXXX XXXX the Lender and XXXX the servicer. Please see attachments.","date_sent_to_company":"2019-04-11T07:47:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3208516","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-04-11T03:47:34.000Z","state":"NV","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":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[10.098213,"3208516"]},{"_index":"complaint-public-v1","_id":"3222674","_score":10.0854025,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I faxed proof of payment thereto US BANK and the CEO back office but only a response thru the CFPB came by way of XXXX in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only. \nThe Disclosures created by US BANK was newly created well after i signed electronically over three years ago. The Disclosures created by USBANK does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. US BANK at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a US Bank be it Any federal reserve bank or the US Treasury? something is clearly wrong here! USBANK are using the credit bureaus to extort me for federal currency, XXXX dollars or debt IOUs and not the US Currency it says it accepts as payment. \nThe signatures produced by USBANK has produced are forged. For it was done electronically! I have not received any contract documents from US BANK as of XXXX or shortly after the account was opened. What USBANK has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by USBank. US BANK says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603.  TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by USBANK forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment!\n\nThe alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.\n\n804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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\n. ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\nThe documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. \ni, XXXX XXXX XXXX Enclosures : Identity Theft Report - I have been on the XXXX list since XXXX XXXX and i am sending you a copy with my XXXX record # blacked out for my protection XXXX. Without US Bank verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me. \nProof of identity Notice to Furnishers of Information","date_sent_to_company":"2019-04-25T17:38:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3222674","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-04-25T17:38:04.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[10.0854025,"3222674"]},{"_index":"complaint-public-v1","_id":"3222609","_score":10.074049,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I faxed proof of payment thereto XXXX XXXX and the CEO back office but only a response thru the CFPB came by way of XXXX  in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only.\n\nThe Disclosures created by XXXX XXXX was newly created well after i signed electronically over three years ago. The Disclosures created by XXXX  does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. XXXX XXXX at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a XXXX XXXX be it Any federal reserve bank or the US Treasury? something is clearly wrong here! XXXX are using the credit bureaus to extort me for federal currency, Fiat dollars or debt IOUs and not the US Currency it says it accepts as payment.\n\nThe signatures produced by XXXX has produced are forged. For it was done electronically! I have not received any contract documents from XXXX XXXX as of XX/XX/XXXX or shortly after the account was opened. What XXXX has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by XXXX. XXXX XXXX says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by XXXX forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment!\n\nThe alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.\n\n804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.\n\n806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.\n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.\n\n. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed 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 communica- tion 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\n. ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.\n\n812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\nThe documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me.\n\ni, monica rene hall Enclosures : Identity Theft Report - I have been on the NCIC list since XX/XX/XXXX and i am sending you a copy with my NCIC record # blacked out for my protection DOJXXXXX. Without XXXX XXXX verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me.\n\nProof of identity Notice to Furnishers of Information","date_sent_to_company":"2019-04-25T17:37:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3222609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-25T17:11:08.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["False Statements or Representations - The law : Collectors cant threaten a <em>lawsuit</em>, <em>criminal</em> <em>prosecution</em>, <em>wage</em> <em>garnishment</em>, <em>jail</em> <em>time</em>, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place."]},"sort":[10.074049,"3222609"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":12}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2}]}}]}},"issue":{"doc_count":14,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is missing that should be on the report","doc_count":7},{"key":"Account information incorrect","doc_count":3},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":2}]}}]}},"timely":{"doc_count":14,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":14}]}},"company_response":{"doc_count":14,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":9},{"key":"Closed with non-monetary relief","doc_count":5}]}},"submitted_via":{"doc_count":14,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":14}]}},"company":{"doc_count":14,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"EQUIFAX, INC.","doc_count":3},{"key":"Experian Information Solutions Inc.","doc_count":3},{"key":"DISCOVER BANK","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":14,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NV","doc_count":14}]}},"company_public_response":{"doc_count":14,"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":10}]}},"tags":{"doc_count":14,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":10}]}}},"_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":{}}}