{"took":226,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7188591","_score":22.848116,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.\n\nTransactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.\n\nConsumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. \n\nBEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION","date_sent_to_company":"2023-06-30T19:19:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29501","tags":"Servicemember","has_narrative":true,"complaint_id":"7188591","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-30T19:12:34.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE <em>CONSUMER</em> <em>REPORTING</em> AGENCY TO CORRECT MY <em>CONSUMER</em> <em>REPORT</em> BEFORE FILING A <em>LAWSUIT</em> : The below <em>items</em> and <em>transactions</em> that are <em>being</em> <em>reported</em> on my <em>Consumer</em> <em>Report</em> are <em>being</em> <em>reported</em> <em>illegally</em>, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress ."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.848116,"7188591"]},{"_index":"complaint-public-v1","_id":"11568180","_score":19.517057,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, US Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the US code previously stated.","date_sent_to_company":"2025-01-16T23:10:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"11568180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T23:05:31.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, US Code 15 USC 1681 D12 AIB states that <em>transactions</em> can not be <em>reported</em> on a <em>consumers</em> <em>report</em>. That <em>being</em> said, all late payment history is to be removed immediately from my credit <em>reports</em>. Failure to do so is <em>illegal</em> and a violation of the US code previously stated."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.517057,"11568180"]},{"_index":"complaint-public-v1","_id":"11574244","_score":19.512411,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experience, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, US Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the US code previously stated.","date_sent_to_company":"2025-01-16T23:11:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"11574244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T23:11:10.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, US Code 15 USC 1681 D12 AIB states that <em>transactions</em> can not be <em>reported</em> on a <em>consumers</em> <em>report</em>. That <em>being</em> said, all late payment history is to be removed immediately from my credit <em>reports</em>. Failure to do so is <em>illegal</em> and a violation of the US code previously stated."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.512411,"11574244"]},{"_index":"complaint-public-v1","_id":"11575815","_score":19.507679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experience, Equifax, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, XXXX Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the XXXX code previously stated.","date_sent_to_company":"2025-01-16T17:04:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"11575815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T16:40:50.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, XXXX Code 15 USC 1681 D12 AIB states that <em>transactions</em> can not be <em>reported</em> on a <em>consumers</em> <em>report</em>. That <em>being</em> said, all late payment history is to be removed immediately from my credit <em>reports</em>. Failure to do so is <em>illegal</em> and a violation of the XXXX code previously stated."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.507679,"11575815"]},{"_index":"complaint-public-v1","_id":"6484347","_score":15.530672,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] Experian XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. \nThis letter is to officially address the fact that XXXX, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. \nThe banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. \nTo be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. \nAt this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. \nThis behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. \nFurthermore, I received a copy of my credit report and found the following item ( s ) to be in error, remove them within the next 4 days per FCRA : 1. Remove this account XXXX XXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n9. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n10. The following personal information is incorrect XXXX XXXX  Account Number : XXXX I officially demand this item be removed. \n11. This account is illegally reporting. The alleged debt has been written off by the IRS and has been credited back to their account. So it is unjust and illegal for it to continue to report. Per the FCRA permissible purposes my written consent has not been given so remove this. \nXXXX XXXX Account Number : XXXX Remove this from my consumer report or it will be considered as willful noncompliance. I demand {$1000.00} for each month that it has been reporting so far plus any damages I have incurred within the time it has been illegally and inaccurately reporting. \n12. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n13. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n14. Account fraudulently being reported XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n15. Account fraudulently being reported XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n16. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n17. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n18. Account fraudulently being reported XXXX XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n19. Account fraudulently being reported XXXX XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n20. Account fraudulently being reported XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n\n\n\n21. This account should not be reporting as it is a transaction or an experience with the furnisher and per FCRA that is EXCLUDED. \nXXXX XXXX XXXX Account Number : XXXX It is clear that you do not follow the FCRA but this is unacceptable and I demand it to be removed immediately. \n22. The late payments on this account should not be reporting as this is clearly a transaction and experience with this company and per the FCRA these are to be excluded from a consumer report. \nXXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n23. Account fraudulently being reported XXXX Account Number : XXXX Please remove it from my credit report. \n24. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting.\n\n25. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n\n26. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n27. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this account until litigation is complete. I have filed a IRS form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. \n28. Account fraudulently being reported XXXX Account Number : XXXX Please remove this account until litigation is complete. I have filed a IRS form XXXX to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. \n\n\n\n29. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove this account until litigation is complete. I have filed a XXXX form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report, so this is a direct violation of my rights as a consumer. Remove this item. \nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \nPlease send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely, XXXX","date_sent_to_company":"2023-01-25T16:40:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77022","tags":null,"has_narrative":true,"complaint_id":"6484347","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-25T16:40:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According the the FCRA income is not to be <em>reported</em> on a <em>consumer</em> <em>report</em>, so this is a direct violation of my rights as a <em>consumer</em>. Remove this <em>item</em>. \nBy the provisions of the Fair Credit <em>Reporting</em> Act, I demand that these <em>items</em> be investigated and removed from my <em>report</em>. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the <em>consumer</em> and is <em>illegal</em> to say the least."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.530672,"6484347"]},{"_index":"complaint-public-v1","_id":"6484348","_score":15.513914,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] Experian XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. \nThis letter is to officially address the fact that XXXX, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. \nThe banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. \nTo be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. \nAt this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. \nThis behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. \nFurthermore, I received a copy of my credit report and found the following item ( s ) to be in error, remove them within the next 4 days per FCRA : 1. Remove this account XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry XXXX XXXX I officially demand this item be removed. \n5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry XXXX XXXX I officially demand this item be removed. \n6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry XXXX XXXX I officially demand this item be removed. \n7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \nXXXX. XXXX XXXX Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n10. The following personal information is incorrect XXXX CARD Account Number : XXXX I officially demand this item be removed. \n11. This account is illegally reporting. The alleged debt has been written off by the IRS and has been credited back to their account. So it is unjust and illegal for it to continue to report. Per the FCRA permissible purposes my written consent has not been given so remove this. \nXXXX XXXX Account Number : XXXX Remove this from my consumer report or it will be considered as willful noncompliance. I demand {$1000.00} for each month that it has been reporting so far plus any damages I have incurred within the time it has been illegally and inaccurately reporting. \n12. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n13. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n14. Account fraudulently being reported XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n15. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting.\n\n16. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n17. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n18. Account fraudulently being reported XXXX XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting.\n\n19. Account fraudulently being reported XXXX XXXX XXXX  Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n20. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n\n\n\n21. This account should not be reporting as it is a transaction or an experience with the furnisher and per FCRA that is EXCLUDED. \nXXXX XXXX XXXX Account Number : XXXX It is clear that you do not follow the FCRA but this is unacceptable and I demand it to be removed immediately. \n22. The late payments on this account should not be reporting as this is clearly a transaction and experience with this company and per the FCRA these are to be excluded from a consumer report. \nXXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n23. Account fraudulently being reported XXXX Account Number : XXXX Please remove it from my credit report. \n24. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n25. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n\n26. Account fraudulently being reported XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n27. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this account until litigation is complete. I have filed a IRS form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. \n28. Account fraudulently being reported XXXX Account XXXX : XXXX Please remove this account until litigation is complete. I have filed a IRS form XXXX to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report so this is a direct violation of my rights as a consumer. Remove this item. \n\n\n\n29. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove this account until litigation is complete. I have filed a XXXXIRS form 3949 to report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report, so this is a direct violation of my rights as a consumer. Remove this item. \nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \nPlease send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely, XXXX","date_sent_to_company":"2023-01-25T16:40:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77022","tags":null,"has_narrative":true,"complaint_id":"6484348","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-25T16:40:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According the the FCRA income is not to be <em>reported</em> on a <em>consumer</em> <em>report</em>, so this is a direct violation of my rights as a <em>consumer</em>. Remove this <em>item</em>. \nBy the provisions of the Fair Credit <em>Reporting</em> Act, I demand that these <em>items</em> be investigated and removed from my <em>report</em>. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the <em>consumer</em> and is <em>illegal</em> to say the least."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.513914,"6484348"]},{"_index":"complaint-public-v1","_id":"6014179","_score":15.167883,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear FTC and Cfpb, ( See attached all violations are marked up ) I can not seem to come to a reasonable agreement with especially Experian, and XXXX and XXXX. I have been disputing the same items that were the result of identity theft since XX/XX/2022. It is now XXXX XXXX XXXX. \n\nI understand that you guys can not act as a lawyer but if there is any possible way that you guys can step in and take authority with the Bureaus bad business practices and make sure that I am given my desired resolution. \n\nYesterday XX/XX/2022 I spoke with Experian with several agents. ( XXXX XXXX XXXX dept. \nXXXX  - fraud dept ) And actually all agents stated that they could not disclose how furnishers report things on my consumer report. the reason that they can not disclose that, is because they are paid by the furnishers to put information on my consumer report which is totally illegal. I have suffered great damage because of their bad business practices I have been more than nice to them. One agent stated that all the furnishers/creditors have to do to report information on the consumer report, is to send them the information that they want to be reported, I asked that agent what are the steps that they took to make sure that they had my permission to report that information on my consumer report. that agent stated that they did not need my permission, And according to the law that is very untrue. ( see attached ) I have been trying to get these transactions off of my consumer report since XXXX. \nthese transactions on my consumer reports are the result of identity theft. I have a copy of the letter that Experian sent me stating that my last identity theft Report was made an error. how is it possible that I can go to identity theft.gov and make an identity theft report, in error? I have sent them all the requirements needed to send along with the identity theft, I have sent them the report I have sent them my Cfpb complaints, I have sent them inaccuracies on my credit report, I have sent them a letter stating that the transactions was not any transaction made by me, and that they were an result of identity theft. Experian has refused over XXXX times to delete this information off of my credit report. According to Congress, the consumer reporting agencies are supposed to act and do whatever is in the best interest of the consumer. they are supposed to do what is fair and equitable to the consumer, however they fail to do that and only do what is fair and equitable to the furnisher or creditor. Attached below I have submitted all of the paperwork that shows all of the violations on their end. While speaking with Experian today, I asked him to delete these accounts that are the result of an identity theft off of my credit report. they said that their policy is that a dispute must take up to 30 days, I informed them that according to the law any items that are the result of an identity theft must be deleted no later than XXXX days! \nthey said that they could not go by what the law says because that is inaccurate. How is it possible that the law is inaccurate? I have made more than enough attempts to get these accounts deleted from my consumer report, but Experian does not care simply because they only care about the money that is paid to them in exchange to furnish negative activity on my consumer report which is illegal. \nAll agents told me several times that they did not need my permission to furnish anything on my consumer report, because there is a law that states that the furnisher/creditor is allowed to furnish things on my consumer report I told them that that may be correct however they are still required to have my written permission to furnish anything on my report. Experian and the other two credit bureaus have stolen my identity several times by sending off information that relates to me, the consumer, such as my Social Security number, my address, my name, or my ID. And according to legal definitions that is what identity theft is. They literally steal my identity on a daily basis for their financial gain. Attached below you will see all of the violations. there are over XXXX violations and I have suffered very great damages because of their bad business practices. I now ask that the FTC and CFPB steps in to make sure that I receive my requested resolution. \nAnd in the meantime I will consult legal counsel and start a lawsuit against them. I can assure that I will win this lawsuit simply because I have way too much proof to use against them. I am no longer being nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!","date_sent_to_company":"2022-09-23T13:51:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"6014179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-23T12:18:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And in the meantime I will consult legal counsel and start a <em>lawsuit</em> against them. I can assure that I will win this <em>lawsuit</em> simply because I have way too much proof to use against them. I am no longer <em>being</em> nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.167883,"6014179"]},{"_index":"complaint-public-v1","_id":"6014248","_score":15.14275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear FTC and Cfpb, ( See attached all violations are marked up ) I can not seem to come to a reasonable agreement with especially XXXX, and XXXX and TransUnion. I have been disputing the same items that were the result of identity theft since XX/XX/2022. It is now XXXX XXXXalmost XXXX. \n\nI understand that you guys can not act as a lawyer but if there is any possible way that you guys can step in and take authority with the Bureaus bad business practices and make sure that I am given my desired resolution. \n\nYesterday XX/XX/2022 I spoke with XXXX with several agents. ( XXXX XXXX Fraud dept. \nXXXX  - fraud dept ) And actually all agents stated that they could not disclose how furnishers report things on my consumer report. the reason that they can not disclose that, is because they are paid by the furnishers to put information on my consumer report which is totally illegal. I have suffered great damage because of their bad business practices I have been more than nice to them. One agent stated that all the furnishers/creditors have to do to report information on the consumer report, is to send them the information that they want to be reported, I asked that agent what are the steps that they took to make sure that they had my permission to report that information on my consumer report. that agent stated that they did not need my permission, And according to the law that is very untrue. ( see attached ) I have been trying to get these transactions off of my consumer report since XXXX. \nthese transactions on my consumer reports are the result of identity theft. I have a copy of the letter that XXXX sent me stating that my last identity theft Report was made an error. how is it possible that I can go to identity theft.gov and make an identity theft report, in error? I have sent them all the requirements needed to send along with the identity theft, I have sent them the report I have sent them my Cfpb complaints, I have sent them inaccuracies on my credit report, I have sent them a letter stating that the transactions was not any transaction made by me, and that they were an result of identity theft. XXXX has refused over 10 times to delete this information off of my credit report. According to Congress, the consumer reporting agencies are supposed to act and do whatever is in the best interest of the consumer. they are supposed to do what is fair and equitable to the consumer, however they fail to do that and only do what is fair and equitable to the furnisher or creditor. Attached below I have submitted all of the paperwork that shows all of the violations on their end. While speaking with XXXX today, I asked him to delete these accounts that are the result of an identity theft off of my credit report. they said that their policy is that a dispute must take up to 30 days, I informed them that according to the law any items that are the result of an identity theft must be deleted no later than four days! \nthey said that they could not go by what the law says because that is inaccurate. How is it possible that the law is inaccurate? I have made more than enough attempts to get these accounts deleted from my consumer report, but XXXX does not care simply because they only care about the money that is paid to them in exchange to furnish negative activity on my consumer report which is illegal. \nAll agents told me several times that they did not need my permission to furnish anything on my consumer report, because there is a law that states that the furnisher/creditor is allowed to furnish things on my consumer report I told them that that may be correct however they are still required to have my written permission to furnish anything on my report. XXXX and the other two credit bureaus have stolen my identity several times by sending off information that relates to me, the consumer, such as my Social Security number, my address, my name, or my ID. And according to legal definitions that is what identity theft is. They literally steal my identity on a daily basis for their financial gain. Attached below you will see all of the violations. there are over 20 violations and I have suffered very great damages because of their bad business practices. I now ask that the FTC and CFPB steps in to make sure that I receive my requested resolution. \nAnd in the meantime I will consult legal counsel and start a lawsuit against them. I can assure that I will win this lawsuit simply because I have way too much proof to use against them. I am no longer being nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!","date_sent_to_company":"2022-09-23T13:51:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"6014248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-23T13:51:45.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And in the meantime I will consult legal counsel and start a <em>lawsuit</em> against them. I can assure that I will win this <em>lawsuit</em> simply because I have way too much proof to use against them. I am no longer <em>being</em> nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.14275,"6014248"]},{"_index":"complaint-public-v1","_id":"6014249","_score":15.139114,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear FTC and Cfpb, ( See attached all violations are marked up ) I can not seem to come to a reasonable agreement with especially XXXX, and Equifax and XXXX. I have been disputing the same items that were the result of identity theft since XX/XX/2022. It is now XXXX XXXXalmost XXXX. \n\nI understand that you guys can not act as a lawyer but if there is any possible way that you guys can step in and take authority with the Bureaus bad business practices and make sure that I am given my desired resolution. \n\nYesterday XX/XX/2022 I spoke with XXXX with several agents. ( XXXX XXXX XXXX dept. \nXXXX  - fraud dept ) And actually all agents stated that they could not disclose how furnishers report things on my consumer report. the reason that they can not disclose that, is because they are paid by the furnishers to put information on my consumer report which is totally illegal. I have suffered great damage because of their bad business practices I have been more than nice to them. One agent stated that all the furnishers/creditors have to do to report information on the consumer report, is to send them the information that they want to be reported, I asked that agent what are the steps that they took to make sure that they had my permission to report that information on my consumer report. that agent stated that they did not need my permission, And according to the law that is very untrue. ( see attached ) I have been trying to get these transactions off of my consumer report since XXXX. \nthese transactions on my consumer reports are the result of identity theft. I have a copy of the letter that XXXX sent me stating that my last identity theft Report was made an error. how is it possible that I can go to identity theft.gov and make an identity theft report, in error? I have sent them all the requirements needed to send along with the identity theft, I have sent them the report I have sent them my Cfpb complaints, I have sent them inaccuracies on my credit report, I have sent them a letter stating that the transactions was not any transaction made by me, and that they were an result of identity theft. XXXX has refused over 10 times to delete this information off of my credit report. According to Congress, the consumer reporting agencies are supposed to act and do whatever is in the best interest of the consumer. they are supposed to do what is fair and equitable to the consumer, however they fail to do that and only do what is fair and equitable to the furnisher or creditor. Attached below I have submitted all of the paperwork that shows all of the violations on their end. While speaking with XXXX today, I asked him to delete these accounts that are the result of an identity theft off of my credit report. they said that their policy is that a dispute must take up to 30 days, I informed them that according to the law any items that are the result of an identity theft must be deleted no later than four days! \nthey said that they could not go by what the law says because that is inaccurate. How is it possible that the law is inaccurate? I have made more than enough attempts to get these accounts deleted from my consumer report, but XXXX does not care simply because they only care about the money that is paid to them in exchange to furnish negative activity on my consumer report which is illegal. \nAll agents told me several times that they did not need my permission to furnish anything on my consumer report, because there is a law that states that the furnisher/creditor is allowed to furnish things on my consumer report I told them that that may be correct however they are still required to have my written permission to furnish anything on my report. XXXX and the other two credit bureaus have stolen my identity several times by sending off information that relates to me, the consumer, such as my Social Security number, my address, my name, or my ID. And according to legal definitions that is what identity theft is. They literally steal my identity on a daily basis for their financial gain. Attached below you will see all of the violations. there are over 20 violations and I have suffered very great damages because of their bad business practices. I now ask that the FTC and CFPB steps in to make sure that I receive my requested resolution. \nAnd in the meantime I will consult legal counsel and start a lawsuit against them. I can assure that I will win this lawsuit simply because I have way too much proof to use against them. I am no longer being nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!","date_sent_to_company":"2022-09-23T13:51:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"6014249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-23T13:51:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And in the meantime I will consult legal counsel and start a <em>lawsuit</em> against them. I can assure that I will win this <em>lawsuit</em> simply because I have way too much proof to use against them. I am no longer <em>being</em> nice if the Ftc and cfpb could step in and help me get my desired resolution that would be great!"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.139114,"6014249"]},{"_index":"complaint-public-v1","_id":"8920566","_score":14.366864,"_source":{"product":"Debt collection","complaint_what_happened":"I filed a CFPB complaint on XX/XX/2024 against XXXX, XXXX, XXXX, and XXXX Funding for inaccurately reporting a debt on my consumer profile, violating the FCRA. Complaint number XXXX. XXXX, rightly noticing the inaccuracy has since deleted the item which i will upload evidence of. XXXX XXXX then filed a legal complaint against me dated XX/XX/2024 and i was served by a process server on XX/XX/2024 who banged on my door very loudly on a Sunday XXXX, disturbing me and my dog. I am officially submitting a complaint to you because i believe i am being illegally retaliated against for exercising my consumer rights under the FCRA. There are several laws that prevent illegal retaliation and i will list a few for you here : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : This law prohibits debt collectors from engaging in abusive, unfair, or deceptive practices, including retaliation against consumers for exercising their rights under the Act. \n\n2. **Consumer Financial Protection Act ( CFPA ) ** : This Act authorizes the Consumer Financial Protection Bureau ( CFPB ) to take action against entities that engage in unfair, deceptive, or abusive practices, which may include retaliation against consumers. \n\n3. **Truth in Lending Act ( TILA ) ** : TILA protects consumers in credit transactions by requiring clear disclosure of key terms and costs. Retaliating against a consumer for exercising rights under TILA could violate this law. \n\n4. **Fair Credit Reporting Act ( FCRA ) ** : FCRA regulates the collection, dissemination, and use of consumer credit information. Retaliating against a consumer for disputing inaccurate information on their credit report could violate FCRA. \n\nThese laws, among others, provide protections for consumers against retaliation for exercising their rights. \n\nI would like to point out that my CFPB complaint about this issue isnt closed yet, they served me on the XXXX giving me 20 days to respond, which potentially wouldnt give the CFPB complaint enough time to close to give me all of the evidence i need for a proper defense.i find this practice to be extremely deceptive. \n\nI have also attached an article posted on your website referring to a case where the CFPB has sued a debt collector and their owners for abusive practices, and I would like for you to do the same here. I am a XXXX veteran and I do not need undue stress, as all I was doing when this started was checking my consumer report to clean up my credit, found inaccuracies therefore leaving me unable to find the true accuracy of these accounts, filed a CFPB complaint about these inaccuracies which is my right to do so, and 27 days later am now being sued for exercising my consumer rights. Let the record state that LVNV Funding, XXXX, XXXX, and XXXX broke federal law, all i simply did was point that out and am now having legal action taken against me because of it. I demand LVNV Funding drop this lawsuit immediately as it is illegal retaliation against a consumer for exercising their consumer rights. I am also requesting that the CFPB take legal action against LVNV Funding for doing the same things listed in the article i have attached. Thank you.","date_sent_to_company":"2024-05-03T23:34:21.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"99206","tags":null,"has_narrative":true,"complaint_id":"8920566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-05-03T23:02:36.000Z","state":"WA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I demand LVNV Funding drop this <em>lawsuit</em> immediately as it is <em>illegal</em> retaliation against a <em>consumer</em> for exercising their <em>consumer</em> rights. I am also requesting that the CFPB take legal action against LVNV Funding for doing the same things listed in the article i have attached. Thank you."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[14.366864,"8920566"]},{"_index":"complaint-public-v1","_id":"11842812","_score":12.619663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, the CFPB has filed a lawsuit against Experian for major failure to uphold the Fair Credit Reporting Act ( FCRA ) laws by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; On XX/XX/XXXX I filed my own CFPB report to Experian for violations and illegal behavior under the FCRA with directives the inaccurate and unlawful information Experian has been reporting on my credit report. And exactly how the CFPB has alleged that Experian has failed to act and properly conduct their investigations correctly I am now a victim of this directly. Experian has failed to uphold the law, and if Experian fails to correct it's unlawful behavior I will be filing a pre-lawsuit and taking necessary steps legally to correct these inaccuracies and illegal behavior. \n\nI will provide here the inaccuracies and unlawful reporting on my credit report per individual law. \n\nUnder the definition provided in 15 U.S.C. 6809, a furnisher of information to credit agencies qualifies as a financial institution. According to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), it is explicitly stated that : \" In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As a financial institution, the furnisher of information to Experian, along with Experian itself, does not have my permission to furnish, collect, store, or distribute my consumer information. Furthermore, Experian does not have my written consent to do so. Therefore, I hereby revoke any and all consentwhether verbal, non-verbal, written, implied, or otherwisepreviously given to Experian or any furnisher of information reporting to Experian regarding the collection, use, or dissemination of my personal and financial data.\n\nAdditionally, under 15 U.S.C. 6802 ( b ) - ( c ), it is required that : \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with a clear explanation of how they can opt out of such disclosure. '' At no point was I informed by Experian or any furnisher of information of my right to opt out of such disclosure, which is a direct violation of this statutory requirement. Given Experian 's failure to provide proper notice and obtain my explicit authorization, I demand the immediate cessation of any further collection, reporting, or distribution of my consumer information.\n\nAdditionally, 15 USC 1681c ( a ) ( 5 ) clearly states that 'Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse information, other than records of convictions of crimes, which antedates the report by more than seven years. ' The account in question is an adverse item that is being reported without my permission, which is a clear violation of this statute. The continued reporting of this information is not only unauthorized but also illegal under federal law. According to 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that any credit report containing my transaction history is illegal. Which Experian are in violation of.\n\nAdditionally, 15 U.S.C. 1681c ( a ) ( 5 ) explicitly states : \" Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse information, other than records of convictions of crimes, which antedates the report by more than seven years. '' The adverse accounts in question are being reported by Experian beyond the legally permissible timeframe and without my explicit consent, which constitutes a clear violation of this statute. The continued inclusion of this outdated and unauthorized information in my consumer report is not only improper but also illegal under federal law.\n\nFurthermore, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states : \" Report containing information solely as to transactions or experiences between the consumer and the person making the report. '' This provision makes it clear that any credit report containing my personal transaction history is illegal. By continuing to collect, store, and distribute this information without my consent, Experian is in direct violation of this statutory exclusion.\n\nGiven these clear legal violations, I demand the immediate removal of this adverse information from my credit report and an official confirmation of compliance.\n\nAccording to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Additionally, 15 U.S. Code 1681e mandates : \" Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian has failed to uphold these legal requirements by not implementing or maintaining reasonable procedures to prevent the dissemination of inaccurate information within my credit report. Their failure to ensure accuracy has resulted in direct harm to me.\n\nFurthermore, under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, the law states : \" Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. '' Given that Experian has willfully violated federal law, I am entitled to full compensation for damages under 15 U.S. Code 1681n. This includes actual damages I have incurred as a result of Experian 's noncompliance, as well as statutory damages up to {$1000.00} per violation.\n\nI demand an immediate resolution, including the removal of any inaccurate, outdated, or improperly furnished information from my credit report and compensation for the damages I have sustained due to Experians willful violations of federal law.\n\nFurthermore, under 12 CFR 1016.7, it is clearly stated : \" A consumer may exercise the right to opt out at any time. '' Therefore, I am formally opting out of Experians reporting services, as is my right under federal law. I hereby revoke any and all consentwhether verbal, non-verbal, written, implied, or otherwisepreviously given to Experian regarding the collection, storage, reporting, or dissemination of my consumer data.\n\nAdditionally, 15 U.S.C. 6805 establishes the Consumer Financial Protection Bureau ( CFPB ) as the proper agency to enforce my rights, stating : \" Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. '' As Experian is subject to CFPB enforcement, I respectfully request that the CFPB enforce my rights and require Experian to fully comply with my opt-out request, remove my consumer information, and cease all unauthorized reporting.\n\nFurthermore, I demand that Experian be held accountable for violations of my rights, and I request that all applicable remedies and corrective actions be granted as outlined in the Fair Resolution page of this complaint.\n\nThank you. \n\nXXXX","date_sent_to_company":"2025-01-30T03:41:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20814","tags":null,"has_narrative":true,"complaint_id":"11842812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T03:15:41.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued inclusion of this outdated and unauthorized information in my <em>consumer</em> <em>report</em> is not only improper but also <em>illegal</em> under federal law.\n\nFurthermore, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states : \" <em>Report</em> containing information solely as to <em>transactions</em> or experiences between the <em>consumer</em> and the person making the <em>report</em>. '' This provision makes it clear that any credit <em>report</em> containing my personal transaction history is <em>illegal</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.619663,"11842812"]},{"_index":"complaint-public-v1","_id":"12000962","_score":12.109175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received a letter from XXXX XXXX XXXX XXXX XXXX an account that they are claiming to Charge off stating a payment has been made towards the balance in the amount of {$500.00} which leaves a potential loss of {$78.00} they are reporting on my credit report for a while now. I called in to XXXX XXXX XXXX XXXX to ask where this payment came from and was told from my saving account which the bank closed my bank XXXX XXXX XXXX XXXX has been reporting negative results on my credit report and they reported they charge off this account and closed this account and told I was permanently banned from get an account back. After being denied for credit as I am the bank giving credit. They have violated very FCRA guidelines. Ive called in multiple times and have supplied and evidence of there claims. They have humiliated me time after time my Character my credit treated me unfair as the Consumer. FCRA 15 1681- We are the bank Credit report reports on our credit worthiness Character, general reputation, they should be defending our character but they are defaming it. \n\nThe bureau being referenced is the consumer finance protection bureau and only them. Anything else is impersonating.\n\n15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is being respected.\n\nReasonable procudures- accuracy and fairness They tend to twist the words of congress as these are congress words.\n\n603 ( 2 ) ( a ) ( i ) transactions and experiences can not be reported ( use with late payments ) Ive attempted before and willful non compliance of the fair credit reporting act. The FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this is a violation and should be removed immediately.\n\n603 ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. \n( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nIDENTITY THEFT 603 ( 3 ) ( Q ) 604 Credit reporter, data furnisher, agency 15 usc 1681 ( 2 ) - get things removed in as well if its not removed names are only items in identity theft. dentity theft is the illegal use of someone's personal information. It can involve stealing a person 's name, Social Security number, driver 's license, or bank account information identity theft is. \nThis information is not any transaction related to me as a consumer. XXXX XXXX shared my information with this person and I never gave permission for that and now all this information is on my credit report. \nI am worried and at this point I feel like I need a new social. punitive damage is when they deny you credit. \nSend to company reporting as well as the credit reporting agencies. \nI expect an updated copy of my credit report of this update and block. I want a copy of receipt of my letter notifying you of the block and letting them know of identity theft. \nWhen sending, use the labels on the envelope instead of your handwriting. \nThey need your written consent for inquiries or any account reporting. Use that there is no inquiry for that account reporting and you never did that. \nCharge off accounts- file a XXXX form with the IRS XXXX requesting XXXX that you did not receive. \nany and all XXXX filed with you S.S to get I will FILE A LAWSUIT This is stressing me out and very detrimental to my health. You are affecting my quality of life. You are blocking me from getting stuff. The money I was denied, now you owe me- punitive damages 15 usc 1681 N for {$1000.00} per violation also Experian removed this account XXXX XXXX asked Experian to put it back!!!","date_sent_to_company":"2025-02-09T06:05:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"12000962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T03:02:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They have humiliated me time after time my Character my credit treated me unfair as the <em>Consumer</em>. FCRA 15 1681- We are the bank Credit <em>report</em> <em>reports</em> on our credit worthiness Character, general reputation, they should be defending our character but they are defaming it. \n\nThe bureau <em>being</em> referenced is the <em>consumer</em> finance protection bureau and only them. Anything else is impersonating.\n\n15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is <em>being</em> respected."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.109175,"12000962"]},{"_index":"complaint-public-v1","_id":"12001562","_score":12.103138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received a letter from Navy Federal Credit Union About an account that they are claiming to Charge off stating a payment has been made towards the balance in the amount of {$500.00} which leaves a potential loss of {$78.00} they are reporting on my credit report for a while now. I called in to navy federal credit union to ask where this payment came from and was told from my saving account which the bank closed my bank Navy Federal credit union has been reporting negative results on my credit report and they reported they charge off this account and closed this account and told I was permanently banned from get an account back. After being denied for credit as I am the bank giving credit. They have violated very FCRA guidelines. Ive called in multiple times and have supplied and evidence of there claims. They have humiliated me time after time my Character my credit treated me unfair as the Consumer. FCRA 15 1681- We are the bank Credit report reports on our credit worthiness Character, general reputation, they should be defending our character but they are defaming it. The bureau being referenced is the consumer finance protection bureau and only them\n. Anything else is impersonating.\n\n15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is being respected.\n\nReasonable procudures- accuracy and fairness They tend to twist the words of congress as these are congress words.\n\n603 ( 2 ) ( a ) ( i ) transactions and experiences can not be reported ( use with late payments ) Ive attempted before and willful non compliance of the fair credit reporting act. The FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this is a violation and should be removed immediately.\n\n603 ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.\n\n( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.\n\nIDENTITY THEFT 603 ( 3 ) ( Q ) 604 Credit reporter, data furnisher, agency 15 usc 1681 ( 2 ) - get things removed in as well if its not removed names are only items in identity theft. dentity theft is the illegal use of someone's personal information. It can involve stealing a person 's name, Social Security number, driver 's license, or bank account information identity theft is.\n\nThis information is not any transaction related to me as a consumer. XXXX XXXX shared my information with this person and I never gave permission for that and now all this information is on my credit report. \nI am worried and at this point I feel like I need a new social. punitive damage is when they deny you credit. \nSend to company reporting as well as the credit reporting agencies. \nI expect an updated copy of my credit report of this update and block. I want a copy of receipt of my letter notifying you of the block and letting them know of identity theft. \nWhen sending, use the labels on the envelope instead of your handwriting. \nThey need your written consent for inquiries or any account reporting. Use that there is no inquiry for that account reporting and you never did that. \nCharge off accounts- file a 3949A form with the IRS . requesting 1099c that you did not receive.\n\nany and all 1099 filed with you S.S to get I will FILE A LAWSUIT This is stressing me out and very detrimental to my health. You are affecting my quality of life. You are blocking me from getting stuff. The money I was denied, now you owe me- punitive damages 15 usc 1681 N for {$1000.00} per violation also XXXX removed this account navy federal asked XXXX to put it back!!!","date_sent_to_company":"2025-02-09T05:00:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"12001562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-09T02:25:08.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They have humiliated me time after time my Character my credit treated me unfair as the <em>Consumer</em>. FCRA 15 1681- We are the bank Credit <em>report</em> <em>reports</em> on our credit worthiness Character, general reputation, they should be defending our character but they are defaming it. The bureau <em>being</em> referenced is the <em>consumer</em> finance protection bureau and only them\n. Anything else is impersonating.\n\n15c 1682 ( 4 ) right to privacy. There is a need to make sure that this is <em>being</em> respected."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[12.103138,"12001562"]},{"_index":"complaint-public-v1","_id":"13814402","_score":11.922571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful consumer protected by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal consumer protection laws. \n\nI have disputed the following fraudulent accounts more than ten ( 10 ) times, and they continue to appear on my credit report : XXXX XXXX XXXX {$800.00} ( Reported XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} ( Reported XX/XX/XXXX ) These accounts are not mine. I have never opened or authorized them. Despite being removed after disputes, these accounts keep reappearing under slightly different names, abbreviations, or aliases designed to deceive the system and bypass deletion tracking. This is a blatant abuse of the credit reporting process. \n\nThe furnishers are intentionally manipulating my credit file by : Re-adding the same accounts under alternate names or prefixes Reporting them as new when they are the same disputed accounts Updating the account dates to make them appear recent Using automated response systems to falsely verify accounts during disputes These tactics are used to harass me, degrade my credit score, and avoid legitimate reinvestigation responsibilities. I have observed this pattern repeatedly : after I file a dispute and the item is removed, the same account returns under a different label. This is not a coincidence this is malicious and illegal behavior.\n\nFurthermore, these furnishers are using automated tools, AI systems, or software to generate instant responses to disputes, falsely stating the data is verified. No human is reviewing the dispute. No real investigation is being done. These systems are merely programmed to respond within the 30-day FCRA deadline to block deletion. Th\nat is not a lawful reinvestigation under FCRA 1681i it is fraud.\n\nThe three credit bureaus Equifax, TransUnion, and Experian are knowingly accepting these automated responses without accountability. This makes them complicit in the ongoing abuse of consumer rights.\n\n-- - Legal Notice and Final Demand Let this serve as final notice to : 1. Immediately and permanently delete the following accounts from my credit file : All accounts from XXXX XXXX XXXX All accounts from XXXX XXXX XXXX and any variation thereof 2. Cease all reporting, re-reporting, renaming, or updating of these accounts 3. Immediately notify Equifax, TransUnion, and Experian that these items must be deleted and may not be reinserted in any form 4. Confirm deletion in writing and cease all further contact or collection -- - If You Fail to Comply : I will proceed with : A federal lawsuit for FCRA and FDCPA violations Official complaints filed with the CFPB, FTC, and the Florida Attorney General Legal actions for damages, punitive relief, and attorneys fees This letter is also a formal cease and desist notice under the FDCPA. Any attempt to reinsert these accounts in any name or format will constitute willful noncompliance, and I will take full legal action. \n\nYou are knowingly harming my credit and future. I demand full resolution now. \n\n\n-- - Sincerely, XXXX XXXX XXXX Date of Birth : XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-05-31T04:55:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"13814402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-31T04:47:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful <em>consumer</em> protected by the Fair Credit <em>Reporting</em> Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit <em>Transactions</em> Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal <em>consumer</em> protection laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.922571,"13814402"]},{"_index":"complaint-public-v1","_id":"13814322","_score":11.90443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful consumer protected by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal consumer protection laws. \n\nI have disputed the following fraudulent accounts more than ten ( 10 ) times, and they continue to appear on my credit report : XXXX XXXX XXXX {$800.00} ( Reported XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} ( Reported XX/XX/XXXX ) These accounts are not mine. I have never opened or authorized them. Despite being removed after disputes, these accounts keep reappearing under slightly different names, abbreviations, or aliases designed to deceive the system and bypass deletion tracking. This is a blatant abuse of the credit reporting process. \n\nThe furnishers are intentionally manipulating my credit file by : Re-adding the same accounts under alternate names or prefixes Reporting them as new when they are the same disputed accounts Updating the account dates to make them appear recent Using automated response systems to falsely verify accounts during disputes These tactics are used to harass me, degrade my credit score, and avoid legitimate reinvestigation responsibilities. I have observed this pattern repeatedly : after I file a dispute and the item is removed, the same account returns under a different label. This is not a coincidence this is malicious and illegal behavior.\n\nFurthermore, these furnishers are using automated tools, AI systems, or software to generate instant responses to disputes, falsely stating the data is verified. No human is reviewing the dispute. No real investigation is being done. These systems are merely programmed to respond within the 30-day FCRA deadline to block deletion. Th\nat is not a lawful reinvestigation under FCRA 1681i it is fraud.\n\nThe three credit bureaus Equifax, TransUnion, and Experian are knowingly accepting these automated responses without accountability. This makes them complicit in the ongoing abuse of consumer rights.\n\n-- - Legal Notice and Final Demand Let this serve as final notice to : 1. Immediately and permanently delete the following accounts from my credit file : All accounts from XXXX XXXX XXXX All accounts from XXXX XXXX XXXX and any variation thereof 2. Cease all reporting, re-reporting, renaming, or updating of these accounts 3. Immediately notify Equifax, TransUnion, and Experian that these items must be deleted and may not be reinserted in any form 4. Confirm deletion in writing and cease all further contact or collection -- - If You Fail to Comply : I will proceed with : A federal lawsuit for FCRA and FDCPA violations Official complaints filed with the CFPB, FTC, and the Florida Attorney General Legal actions for damages, punitive relief, and attorneys fees This letter is also a formal cease and desist notice under the FDCPA. Any attempt to reinsert these accounts in any name or format will constitute willful noncompliance, and I will take full legal action. \n\nYou are knowingly harming my credit and future. I demand full resolution now. \n\n\n-- - Sincerely, XXXX XXXX XXXX Date of Birth : XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-05-31T04:55:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"13814322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-31T04:54:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful <em>consumer</em> protected by the Fair Credit <em>Reporting</em> Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit <em>Transactions</em> Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal <em>consumer</em> protection laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.90443,"13814322"]},{"_index":"complaint-public-v1","_id":"13814384","_score":11.897066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful consumer protected by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal consumer protection laws. \n\nI have disputed the following fraudulent accounts more than ten ( 10 ) times, and they continue to appear on my credit report : XXXX XXXX XXXX {$800.00} ( Reported XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} ( Reported XX/XX/XXXX ) These accounts are not mine. I have never opened or authorized them. Despite being removed after disputes, these accounts keep reappearing under slightly different names, abbreviations, or aliases designed to deceive the system and bypass deletion tracking. This is a blatant abuse of the credit reporting process. \n\nThe furnishers are intentionally manipulating my credit file by : Re-adding the same accounts under alternate names or prefixes Reporting them as new when they are the same disputed accounts Updating the account dates to make them appear recent Using automated response systems to falsely verify accounts during disputes These tactics are used to harass me, degrade my credit score, and avoid legitimate reinvestigation responsibilities. I have observed this pattern repeatedly : after I file a dispute and the item is removed, the same account returns under a different label. This is not a coincidence this is malicious and illegal behavior.\n\nFurthermore, these furnishers are using automated tools, AI systems, or software to generate instant responses to disputes, falsely stating the data is verified. No human is reviewing the dispute. No real investigation is being done. These systems are merely programmed to respond within the 30-day FCRA deadline to block deletion. Th\nat is not a lawful reinvestigation under FCRA 1681i it is fraud.\n\nThe three credit bureaus Equifax, TransUnion, and Experian are knowingly accepting these automated responses without accountability. This makes them complicit in the ongoing abuse of consumer rights.\n\n-- - Legal Notice and Final Demand Let this serve as final notice to : 1. Immediately and permanently delete the following accounts from my credit file : All accounts from XXXX XXXX XXXX All accounts from XXXX XXXX XXXX and any variation thereof 2. Cease all reporting, re-reporting, renaming, or updating of these accounts 3. Immediately notify Equifax, TransUnion, and Experian that these items must be deleted and may not be reinserted in any form 4. Confirm deletion in writing and cease all further contact or collection -- - If You Fail to Comply : I will proceed with : A federal lawsuit for FCRA and FDCPA violations Official complaints filed with the CFPB, FTC, and the Florida Attorney General Legal actions for damages, punitive relief, and attorneys fees This letter is also a formal cease and desist notice under the FDCPA. Any attempt to reinsert these accounts in any name or format will constitute willful noncompliance, and I will take full legal action. \n\nYou are knowingly harming my credit and future. I demand full resolution now. \n\n\n-- - Sincerely, XXXX XXXX XXXX Date of Birth : XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-05-31T04:55:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34772","tags":null,"has_narrative":true,"complaint_id":"13814384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-31T04:54:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful <em>consumer</em> protected by the Fair Credit <em>Reporting</em> Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit <em>Transactions</em> Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal <em>consumer</em> protection laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.897066,"13814384"]},{"_index":"complaint-public-v1","_id":"3120420","_score":11.817528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"IN REGARDS TO : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX Investigation of an inaccurate item the account your company is reporting to the credit bureau is troubling. \nBecause of this, Im requesting information about your procedures put in place to verify this charge-off account. You sent a non- detailed list of transactions on this account. Based on my research on the FTC site, I know they have strict policies in regard to you reporting consumer data. I know for a fact that furnisher reporting must be 100 % accurate. Please show me proof that your reporting of this account listed is 100 % accurate. Dont send me a generic print out or a billing statement like you have done once before. Your company claimed on the printout I received below if accurate on your accord you only received 2 payments but shows 4 payments made to the account in question and would have been charged off way before XX/XX/XXXX for non-payment and the date of last payment reported to the bureau would not have been XX/XX/XXXX. When the document shows the next due date was XX/XX/XXXX but no payments applied after XXXX.The scheduled payment amount has been altered from {$130.00} to $ XXXX.The account history status codes have even been changed to re-age the account. How is it possible for date of last payment to be XX/XX/XXXX and the first major delinquency reported is XX/XX/XXXX completely inaccurate reporting. The charge off amount of {$3200.00} is being reported as accurate as well which is frivioulous. CAN THEY FRAUDULENTLY DO THIS? inaccurately reporting fictitiously to Equifax which violates the FCRA and needs to be removed this is fraud being committed by the furnisher and the bureau. Its clear that the account is inaccurate because the CREDITOR did not have 100 % valid proof. If they cant prove that the account is 100 % accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA.Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for violation reported? Im sure your company wont be happy that it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. \n\n\nIf you choose to ignore my request, and keep the negative information on my report, I will do the following : 1. File a complaint with the FTC.\n\n2. File a complaint with the attorney generals office.\n\n3. File a complaint with the XXXX XXXX XXXX.\n\n4.I have sought out legal advice for a possible lawsuit for violating my rights. \nI WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF YOU CONTINUE TO VIOLATE THE LAW. \nI KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ANY ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT OR CHANGE SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY FURTHER VIOLATIONS. \n\nPLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. \n\nI AND MY ATTORNEY AWAIT YOUR RESPONSE","date_sent_to_company":"2019-01-09T17:16:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76016","tags":null,"has_narrative":true,"complaint_id":"3120420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-09T17:16:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX  XXXX XXXX TEXAS XXXX Investigation of an inaccurate <em>item</em> the account your company is <em>reporting</em> to the credit bureau is troubling. \nBecause of this, Im requesting information about your procedures put in place to verify this charge-off account. You sent a non- detailed list of <em>transactions</em> on this account. Based on my research on the FTC site, I know they have strict policies in regard to you <em>reporting</em> <em>consumer</em> data. I know for a fact that furnisher <em>reporting</em> must be 100 % accurate."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.817528,"3120420"]},{"_index":"complaint-public-v1","_id":"10158411","_score":11.751211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Immediate Cease of Unauthorized Dissemination of My Consumer Information and Legal Notice of Violations To Whom It May Concern, I am writing to demand immediate and aggressive action regarding the unlawful and unethical distribution of my consumer information by your organization to XXXX XXXX and other secondary reporting agencies without my explicit knowledge or consent. This flagrant disregard for consumer rights is not only an egregious violation of federal law but also a blatant act of unethical practice that has caused significant distress and potential harm to my financial well-being. \nIt has come to my attention, through documentation provided by XXXX XXXX, that your agency has been unlawfully sharing my personal and credit information with third-party entities for the purpose of reselling my credit reports. This unauthorized dissemination of my private information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and constitutes a gross infringement on my rights as a consumer. Your actions are in clear violation of 15 U.S.C. 1681b, which explicitly outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. You have willfully disregarded these legal requirements, demonstrating a profound lack of respect for consumer privacy and legal boundaries. \nMoreover, this conduct violates 15 U.S.C. 1681n, which states that any person who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages as the court may allow, and the costs of the action together with reasonable attorneys fees. The law is explicit in its demand for accountability and compensation in cases where consumer rights are trampled upon, and I fully intend to exercise my right to seek maximum statutory damages for this blatant breach. \nFurthermore, your actions are not just a legal transgression but an ethical abomination. Selling or otherwise distributing my private consumer information without my knowledge or consent for profit is an unethical practice that grossly undermines the trust and confidence that consumers place in reporting agencies. It is shocking and appalling that an entity of your standing would resort to such unscrupulous behavior for financial gain. \nI demandnot requestthat you immediately cease and desist all unauthorized sharing of my consumer information with any and all third-party entities, including XXXX XXXX XXXX This demand includes an immediate halt to any and all current practices that involve the dissemination, sale, or transfer of my personal information to unauthorized entities. \nAdditionally, I demand a full accounting of all instances in which my consumer information has been shared, sold, or otherwise distributed by your agency without my consent. This accounting should include a detailed list of all entities to whom my information was provided, the dates of such transactions, and the specific purposes for which my information was used. \nFurthermore, I demand the immediate removal of all fraudulent and inaccurate information from my credit report, which has been previously filed with the FTC. This includes but is not limited to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are false, and their presence on my credit report is further evidence of the mismanagement and negligence on your part. I require their immediate and complete removal, along with a written confirmation that these fraudulent items have been expunged from my record. \nFailure to comply with these demands will result in immediate legal action against your agency. I am prepared to pursue all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted under 15 U.S.C. 1681n, to the fullest extent of the law. Your organization will be held accountable for its illegal and unethical practices, and I will not hesitate to expose these violations in a court of law. \nThis letter serves as formal notice that if my demands are not met promptly and to my full satisfaction, you will face a lawsuit for your blatant and willful violations of federal law. The time for unethical practices and the exploitation of consumers ends now. You have been warned. \nI expect a written response from you within 7 days of receipt of this letter, confirming that you have ceased all unauthorized sharing of my consumer information, providing the full accounting requested, and verifying the removal of the fraudulent accounts from my credit report. Failure to respond will be taken as an admission of guilt and will trigger immediate legal action. \nThis is your opportunity to rectify your egregious actions and comply with federal law. Do not underestimate my resolve in this matter.","date_sent_to_company":"2024-09-18T20:59:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"10158411","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-18T20:30:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This unauthorized dissemination of my private information is a direct violation of the Fair Credit <em>Reporting</em> Act ( FCRA ) and constitutes a gross infringement on my rights as a <em>consumer</em>. Your actions are in clear violation of 15 U.S.C. 1681b, which explicitly outlines the permissible purposes for which a <em>consumer</em> <em>reporting</em> agency may furnish a <em>consumer</em> <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.751211,"10158411"]},{"_index":"complaint-public-v1","_id":"10158380","_score":11.749,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Immediate Cease of Unauthorized Dissemination of My Consumer Information and Legal Notice of Violations To Whom It May Concern, I am writing to demand immediate and aggressive action regarding the unlawful and unethical distribution of my consumer information by your organization to XXXX XXXX and other secondary reporting agencies without my explicit knowledge or consent. This flagrant disregard for consumer rights is not only an egregious violation of federal law but also a blatant act of unethical practice that has caused significant distress and potential harm to my financial well-being. \nIt has come to my attention, through documentation provided by XXXX XXXX, that your agency has been unlawfully sharing my personal and credit information with third-party entities for the purpose of reselling my credit reports. This unauthorized dissemination of my private information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and constitutes a gross infringement on my rights as a consumer. Your actions are in clear violation of 15 U.S.C. 1681b, which explicitly outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. You have willfully disregarded these legal requirements, demonstrating a profound lack of respect for consumer privacy and legal boundaries.\n\nMoreover, this conduct violates 15 U.S.C. 1681n, which states that any person who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages as the court may allow, and the costs of the action together with reasonable attorneys fees. The law is explicit in its demand for accountability and compensation in cases where consumer rights are trampled upon, and I fully intend to exercise my right to seek maximum statutory damages for this blatant breach. \nFurthermore, your actions are not just a legal transgression but an ethical abomination. Selling or otherwise distributing my private consumer information without my knowledge or consent for profit is an unethical practice that grossly undermines the trust and confidence that consumers place in reporting agencies. It is shocking and appalling that an entity of your standing would resort to such unscrupulous behavior for financial gain. \nI demandnot requestthat you immediately cease and desist all unauthorized sharing of my consumer information with any and all third-party entities, including XXXX XXXX XXXX This demand includes an immediate halt to any and all current practices that involve the dissemination, sale, or transfer of my personal information to unauthorized entities. \nAdditionally, I demand a full accounting of all instances in which my consumer information has been shared, sold, or otherwise distributed by your agency without my consent. This accounting should include a detailed list of all entities to whom my information was provided, the dates of such transactions, and the specific purposes for which my information was used. \nFurthermore, I demand the immediate removal of all fraudulent and inaccurate information from my credit report, which has been previously filed with the FTC. This includes but is not limited to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are false, and their presence on my credit report is further evidence of the mismanagement and negligence on your part. I require their immediate and complete removal, along with a written confirmation that these fraudulent items have been expunged from my record. \nFailure to comply with these demands will result in immediate legal action against your agency. I am prepared to pursue all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted under 15 U.S.C. 1681n, to the fullest extent of the law. Your organization will be held accountable for its illegal and unethical practices, and I will not hesitate to expose these violations in a court of law. \nThis letter serves as formal notice that if my demands are not met promptly and to my full satisfaction, you will face a lawsuit for your blatant and willful violations of federal law. The time for unethical practices and the exploitation of consumers ends now. You have been warned. \nI expect a written response from you within 7 days of receipt of this letter, confirming that you have ceased all unauthorized sharing of my consumer information, providing the full accounting requested, and verifying the removal of the fraudulent accounts from my credit report. Failure to respond will be taken as an admission of guilt and will trigger immediate legal action. \nThis is your opportunity to rectify your egregious actions and comply with federal law. Do not underestimate my resolve in this matter.","date_sent_to_company":"2024-09-18T21:00:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"10158380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-18T21:00:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This unauthorized dissemination of my private information is a direct violation of the Fair Credit <em>Reporting</em> Act ( FCRA ) and constitutes a gross infringement on my rights as a <em>consumer</em>. Your actions are in clear violation of 15 U.S.C. 1681b, which explicitly outlines the permissible purposes for which a <em>consumer</em> <em>reporting</em> agency may furnish a <em>consumer</em> <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.749,"10158380"]},{"_index":"complaint-public-v1","_id":"7197025","_score":10.785065,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. \nThis letter is to officially address the fact that XXXX, as a NCRA is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. \nThe banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. \nTo be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. \nAt this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. \nThis behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. \nFurthermore, I received a copy of my credit report and found the following item ( s ) to be in error, remove them within the next 4 days per FCRA : 1.Remove this account XXXX XXXX Inquiry Date : XX/XX/XXXX I officially demand this item be removed. \n\n2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \n\nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n\n3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer, and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n9.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n10.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n11.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n12.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n13. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX SER Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n14.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n15. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXXSERVICE Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n16. Account fraudulently being reported XXXX XXXX Account Number : XXXX This account is a result of identity theft per 15 USC 1681 there is no permissible purpose to report this account as I never gave written consent and if in fact I did I am requesting a copy of the original agreement stating I gave anyone the privilege to report this account on my consumer report. I am currently taking this company to court for fraud. If your company continues to report this account, you will be included in said lawsuit and I will seek {$1000.00} PER MONTH this account has been reporting. \n17. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n18. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n19. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n20. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n21. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n22. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n23. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n24. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \nPlease send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-07-02T18:00:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77022","tags":null,"has_narrative":true,"complaint_id":"7197025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-02T17:53:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Not to play bill collector and allow corporations to <em>illegally</em> furnish protected and excluded information about <em>consumers</em>. Things that have clearly been stated in the Fair Credit <em>Reporting</em> Act that should be EXCLUDED such as <em>transactions</em> and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.785065,"7197025"]},{"_index":"complaint-public-v1","_id":"7196986","_score":10.475565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. \nThis letter is to officially address the fact that Equifax, as a XXXX is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus. \nThe banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. \nTo be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting. \nAt this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the Coronavirus Crisis. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. \nThis behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. \nFurthermore, I received a copy of my credit report and found the following item ( XXXX ) to be in error, remove them within the next 4 days per FCRA : 1.Remove this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX I officially demand this item be removed. \n\n2. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \n\nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n\n3. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer, and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n4. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n5. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n6. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n7. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n8. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n9.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \nXXXX. XXXX XXXX Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XXXX I officially demand this item be removed. \n11.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n12.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n13. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX Date of inquiry : XX/XX/XXXX I officially demand this item be removed. \n14.. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX XXXX XXXXXXXX Date of inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I officially demand this item be removed. \n15. Per Permissible Purposes of the FCRA a furnisher can only furnish a report by the written consent of the consumer in which it relates. I am the consumer and I never gave written consent. If you go against what I am saying that will be considered identity theft. \nXXXX, XXXX Date of inquiry : XXXX I officially demand this item be removed. \nBy the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-07-02T18:39:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77022","tags":null,"has_narrative":true,"complaint_id":"7196986","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-02T18:34:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Not to play bill collector and allow corporations to <em>illegally</em> furnish protected and excluded information about <em>consumers</em>. Things that have clearly been stated in the Fair Credit <em>Reporting</em> Act that should be EXCLUDED such as <em>transactions</em> and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.475565,"7196986"]},{"_index":"complaint-public-v1","_id":"3886570","_score":10.0047245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Back in XXXX of XXXX, I became the victim of identity theft. Of the many fraudulent activities that occurred with the illegal and improper use of my identity, 2 of my 3 USAA credit cards were compromised and used without my permission or knowledge. Upon learning my cards had been compromised I immediately notified USAA and the USAA CreditCheck & ID Monitoring service for which I paid a monthly fee. A case was opened and at first, it seemed USAA was being only slightly negligent. The credit monitoring service for which I paid actually offered little to no real help. I had to contact the bank directly myself repeatedly as they failed to credit the fraudulent charges back to me repeatedly. Each time their agents opened up a new fraud case for the same incident. It took about 6 months for USAA to finally fix and credit my accounts back for the fraudulent charges. While frustrating at times, I believed the identity theft was behind me. \nAbout a year after all investigations and credits to my account connected with the identity theft were finalized and the case was closed, without notice, USAA rebilled me for all the fraudulent charges. The rebilled items were only indicated by a label of security adjustment. Upon contacting USAA regarding these unknown charges, the USAA agent said they must be a fraud and opened a new fraud case. Two days later, in violation of the military lending act, I was restricted from accessing my accounts, online or otherwise. My Debit and Credit cards stopped working and all ACH transactions were returned. As I was set up for USAA paperless billing and online contact, I immediately requested USAA to begin physically mailing all paperwork to me. In further violation of MLA and FCRA laws, USAA failed to provide or make accessible to me any of my account statements, disclosure, or required documents. The only notifications I would receive for the next few years were emails informing me I had a letter waiting for me on USAA.com. However, I was prevented from viewing or accessing said notices by the restriction USAA placed on my online access. In further violation of FCRA, regulation Z, and MLA statutes USAA began and continues to furnish negative information to the Credit Reporting Agencies. The negative information being furnished to several CRAs is a direct result of USAA reversing their final decision a year after previously making a  final decision in my favor and crediting my accounts for unauthorized charges reported. I have made repeated disputes with the CRAs regarding this negative data due to identity theft, which USAA has failed to provide any documentation of the results of their investigation or acknowledgment of my dispute. The only letter I received was in response to my complaint to the OCC, in which they state they are unable to hold me accountable a year after finalizing the fraud case. However, they failed to cease reporting the negative information or correct any of their illegal actions. I made hundreds of attempts to contact USAA via phone regarding this over the phone. Each time I was instructed I needed to speak to XXXX. I left over 200 voicemails for XXXX and her manager over the years. I have still yet to receive a single phone call in return. I have also filed numerous CFPB complaints such as but not limited to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to figure out what happened. The only response I have received from USAA regarding these issues in writing has been that USAA has decided to no longer pursue business with me but fails to explain as legally required. \nI worked a lifetime to establish my top tier credit rating and had always paid my bills on time. These massive violations by USAA have had extreme and long-lasting ramifications, barring me from access to any favorable or terms of credit at all. This includes preventing me from refinancing my sole remaining auto loan with another institution, purchasing a home, new vehicle, or opening any subsequent lines of credit with favorable terms. I have requested documentation on my accounts from USAA, especially for my auto loan which remained open. I especially needed the loan docs as USAA failed to provide any origination loan docs, account ledgers, or notice of any fees to negative actions they were, did, and have taken. This is especially crucial as upon freezing my accounts USAA refused to accept payments from external accounts. This prevented me from paying my auto loan and sending it into default and eventual repossession. I never got any notices of any of these actions or notices of fees added. I was simply told they would be credited over the phone for their errors. The only document USAA began to provide was my monthly consumer auto loan statement. This statement, however, fails to comply with the requirements set forth by the MLA and FCBPA. I have never been provided an account ledger for this or any of my accounts, representing a failure of USAA to validate the accounts in dispute they have been reporting negatively to the CRAs. \nIt has come to my attention this type of illegal and predatory lending practices are common at USAA, as have lost several large lawsuits. While the Office of the Comptroller of the Currency lowered USAA Banks overall Community Reinvestment Act performance evaluation rating from satisfactory to needs to improve after uncovering evidence of 600 violations involving customers. Furthermore, The Consumer Protections Bureau found that USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. USAA also violated the Consumer Financial Protection Act of 2010 by reopening  deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice. I am just another example of their willful noncompliance with federal, state, and government statutes.","date_sent_to_company":"2020-10-07T21:18:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78723","tags":"Servicemember","has_narrative":true,"complaint_id":"3886570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-10-07T20:53:17.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In further violation of FCRA, regulation Z, and MLA statutes USAA began and continues to furnish negative information to the Credit <em>Reporting</em> Agencies. The negative information <em>being</em> furnished to several CRAs is a direct result of USAA reversing their final decision a year after previously making a  final decision in my favor and crediting my accounts for unauthorized charges <em>reported</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[10.0047245,"3886570"]},{"_index":"complaint-public-v1","_id":"11731085","_score":9.798803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it.This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end.You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report.The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! \nNAME : XXXX XXXX You must make sure that your company 's records are up-to-date. If you have any names listed in your system that do not match the name I have listed in this letter to you, please delete them immediately so your database has accurate information about me. My only name is XXXX XXXX. \nCURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX, XXXX, IN XXXX In appreciation The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. \nXXXX XXXX Please send your written response to my address of XXXX XXXX, XXXX, IN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \n\nyou have not do you due diligence to prove to how all theses 3negative charge off were verify how did you verify who and the name who did itUnder the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.\n\nI have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.\n\n2. Provide written confirmation of the actions taken.\n\nIf these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ).\n\nThis letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. \nThank you for your immediate attention to this matter. I will attach the inaccuracies","date_sent_to_company":"2025-01-26T01:11:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46312","tags":null,"has_narrative":true,"complaint_id":"11731085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T00:35:57.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Immediately delete or correct the inaccurate information from my credit <em>report</em>.\n\n2. Provide written confirmation of the actions taken.\n\nIf these <em>items</em> are not corrected and removed within 30 days, I will have no choice but to file a <em>lawsuit</em> to enforce my rights under the FCRA. Additionally, I will be filing complaints with the <em>Consumer</em> Financial Protection Bureau ( CFPB ).\n\nThis letter serves as my formal Notice of Intent to Sue."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.798803,"11731085"]},{"_index":"complaint-public-v1","_id":"17427516","_score":9.452222,"_source":{"product":"Prepaid card","complaint_what_happened":"Dear Sir or Madam, I am writing to lodge a formal, escalated complaint regarding the XXXX XXXX XXXX XXXX XXXX XXXX prepaid debit card program, administered by Comerica Bank under contract with the XXXX Department of the Treasury. This program, intended to provide safe and reliable access to critical federal benefits for millions of unbanked Americansprimarily elderly, disabled, and low-income individualshas instead become a source of profound hardship, financial vulnerability, and outright harm due to persistent, systemic operational failures.\n\nThousands of cardholders, as documented across the CFPB 's Consumer Complaint Database, XXXX ( average rating XXXX from thousands of verified reviews as of XX/XX/XXXX ), XXXX XXXX XXXX XXXX and widespread reports, consistently report the following egregious issues : 1. * * Unacceptable Customer Service and Deliberate Call Disconnections * * : Cardholders routinely endure wait times of XXXX hours, only to be disconnected without assistance. The CFPB 's XXXX lawsuit against Comerica alleged the bank intentionally terminated over * * XXXX XXXX calls * *, leaving beneficiaries unable to report fraud, activate cards, or resolve blocks in a timely manner. This is not mere inefficiencyit is a calculated failure that strands people without access to their funds. \n\nXXXX. * * Arbitrary Card Freezes, Declines, and Forced Replacements * * : Cards are frequently locked or declined for \" suspicious activity '' ( even routine purchases ), with representatives unable to unlock them, forcing cardholders to pay expedited fees ( {$13.00} {$20.00} ) for replacement cards that often arrive late or fail to resolve the issue. Online transactions, bill payments, and in-person purchases are blocked without warning, causing missed payments, late fees, and evictions. \n\nXXXX. * * Frequent and Unexplained Declines at Merchants ( Online and Brick-and-Mortar ) * * : Despite being marketed as a XXXX debit card accepted XXXX XXXX is, the XXXX is routinely declined for legitimate transactions, even when sufficient funds are available. Egregious examples from verified complaints include : - Disabled cardholders unable to complete XXXX grocery deliveries ( essential for those without transportation ), with transactions repeatedly flagged as \" suspected fraud '' despite prior successful use at the same merchant. \n- Shoppers embarrassed at grocery store checkouts when cards are declined for everyday food purchases, leaving perishable items to spoil while waiting hours on hold for resolutionone reviewer reported their \" food was warm by the time I got to speak to someone. '' - Online bill payments ( rent, utilities, phone ) and purchases ( XXXX, XXXX XXXX ) declined without reason, forcing handicapped individuals to risk losing services or face shutoffs. \n- In-store declines at XXXX, XXXX stations, and USPS for routine needs, with XXXX cardholder noting higher daily rates on services because multiple attempts triggered overdraft-like penalties elsewhere. \nThese declines occur unpredictably, often on the same merchants used successfully before, turning a \" reliable '' government benefit card into an unreliable liability. \n\nXXXX. * * Mishandled Fraud Claims and Unauthorized Transactions * * : Fraud victims report drained accounts while awaiting replacement cards, with disputes taking XXXX days ( or denied outright due to \" insufficient evidence '' ). XXXX credits are rarely issued promptly, and investigations provide vague or no resolutions, violating Regulation E requirements. \n\nXXXX. * * Illegal Fees and Access Restrictions * * : Cardholders are charged improper ATM surcharges, transfer fees, or expedited replacement fees when the program 's own failures necessitate them. Burdensome identity verification processes lock people out of their own government benefits for weeks. \n\nThese failuresparticularly the rampant merchant declinesdirectly endanger the very population the XXXX XXXX program was designed to protect : seniors on fixed Social Security incomes, disabled individuals reliant on XXXX ( many homebound and dependent on online/delivery services ), veterans, and families receiving survivor benefits. When a card is arbitrarily declined at a grocery store, pharmacy, or for utility payments, beneficiaries can not buy food, medicine, or keep the lights on. Real-world consequences include spoiled groceries, missed prescriptions, utility shutoffs, evictions, and acute distress during emergenciesall because the entity entrusted with delivering lifeline federal payments prioritizes cost-cutting over basic competence, consumer protection, and reliable merchant acceptance. \n\nThe U.S. Treasury 's continued reliance on a contractor with such a documented history of failure is incomprehensible and unacceptable. The CFPB 's allegations of unfair, deceptive, and abusive practices underscore that Comerica has profited at the expense of America 's most vulnerable citizens.\n\nI demand immediate investigation into these ongoing abuses ( including the pattern of illegitimate merchant declines ), full refunds for all improper fees and losses due to delays/fraud/declines, and urgent reformsincluding enhanced staffing, transparent dispute processes, reliable fraud detection that does not punish legitimate users, and penalties for violations. The transition to a new provider in XXXX can not come soon enough, but in the interim, cardholders deserve far better than this unacceptable level of service. \n\nI expect a substantive response within XXXX  days, as well as escalation to the Treasury Inspector General if necessary. \n\nThank you for your immediate attention to this critical matter affecting millions of Americans who have no alternative but to depend on this flawed system for their survival. \n\ncc : Comerica Bank Corporate Complaints Consumer Financial Protection Bureau ( CFPB ) ( via their website portal ) Office of the Treasury Inspector General ( OIG ) ( via their website portal ) U.S. Senator XXXX XXXX ( XXXX ) ( via their website portal ) U.S. Senator XXXX XXXX ( XXXX ) ( via their website portal ) U.S. House of Representatives XXXX XXXX XXXX XXXX ) ) ( via their website portal )","date_sent_to_company":"2025-11-21T14:21:49.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"060XX","tags":null,"has_narrative":true,"complaint_id":"17427516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2025-11-21T14:14:54.000Z","state":"CT","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["Online <em>transactions</em>, bill payments, and in-person purchases are blocked without warning, causing missed payments, late fees, and evictions. \n\nXXXX. * * Frequent and Unexplained Declines at Merchants ( Online and Brick-and-Mortar ) * * : Despite <em>being</em> marketed as a XXXX debit card accepted XXXX XXXX is, the XXXX is routinely declined for legitimate <em>transactions</em>, even when sufficient funds are available."]},"sort":[9.452222,"17427516"]},{"_index":"complaint-public-v1","_id":"17217463","_score":8.969749,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Dispute With Navy Federal Credit Union:\\nI had an intrusion of my computer and an authorized transfer of funds to some unknown individual?  This theft/crime was well organized.  The execution on a Tuesday evening had me witnessing two cursors on my monitor!  No backup support at the hour and not a clue what was happening. As stated in the statements below:\\n\\n-\\tI did not as accused Authorized or participated in the activity.    My computer was invaded without my knowledge.  I was not deceived not compliant in any manner.\\n-\\tI did not make a claim the morning I saw and called the fraud department of Navy Federal.  I made a report.\\n-\\tBetween the midnight hour the transaction was carried out on my invaded computer, taken over by the thieves, and my reporting there was extremely limited time for a automated clearing house (ACH) transaction to occur.  Interesting that every other time I initiated a funds transfer a message was sent to my XXXX account informing me about important information.   None this time.\\n-\\tNavy Federal has been called to task for their lack of investigating.  Only one investigating this action is myself and the staff at Last Stop.  Navy Federal did not investigate.  \\n-\\tNavy Federal told me verbally they would not contact Wells Fargo.  Their purpose is to prevent, not investigate  Same statement as at the time of the identify theft and home invasion.\\n-\\tWells Fargo told me this morning, XXXX XXXX XXXX, I could not discuss with anyone and had to work with Navy Federal.\\nA proposed next step is to have a verbal discussion with someone in Fraud Security.  I have no expectations of success with this.  I am seen as a peon in their self-preservation hierarchy \\n________________________________________\\nMy response to the below:\\nIt is the responsibility of Navy Federal to communicate with XXXX XXXX.  A trace number is an item for which Navy Federal staff has understand plus the route of contact.  I did call the sole/only means of contacting Wells Fargo -customer service.  I do not have an account for allow \\'verification\\'.  I will make mention to my legal counsel this is the first time no \\'Important Information About Your Transfer\\' was not posted, if a transfer was made.   I made a report on the morning of XXXX XXXX.  Claim process was not discussed.  Not until the evening of XXXX XXXX after having all computer related devices analyzed did the lady to whom I spoke stated \\'a claim had not been made\\'.  She subsequently made a \\'claim\\' and provided information to me.  As requested reinstate the funds!  \\n________________________________________\\XXXX\\nResponse from Navy Federal\\nThank you for choosing Navy Federal. We received communication from our Call Center that you are attempting to recall an ACH sent to XXXX XXXX. Per our Security Department\\'s decision, you are responsible for the activity disputed in your claim therefore, you will have to work with XXXX XXXX directly to try to recover the funds. The payee can provide the trace number XXXX,  to XXXX XXXX  to track the funds and resolve with them.\\n\\nFrom: XXXX XXXX XXXXnSent: Thursday, XXXX XXXX XXXX XXXX XXXX\\nTo: XXXX XXXX  \\nSubject: Fraud Denial, Brochure/Form Request, XXXX Police Report, Incident (Case Number) XXXX\\n\\nFrom: XXXX   \\nSent: Thursday, XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Citizen Report Notification - XXXX\\nThe Citizen Report with tracking number XXXX  has been processed.\\n________________________________________\\nYour formal report has been processed and filed with the XXXX  Police Department under incident number: XXXX. This is the number that you would use for insurance purposes.\\nFor any additional information, correspondence, or inquiry, please refer to this incident number when contacting the XXXX  Police Department.\\nThank you for using the Online Crime and Lost Property Reporting System. Your report is now complete. \\n________________________________________\\nXXXX XXXX XXXX XXXX XXXX Report Non-Violent Crimes In XXXX.  Tracking number is XXXXnA complex scam was initiated, to the current best of our investigative knowledge on, probably before, XXXX XXXX XXXX to take get into my computer to rob funds from one of my Navy Federal Credit Union accounts.  The attempt after the planting of software by unknown persons and methods on my desktop resulted in an action to withdraw XXXX XXXX  in the name of \\'XXXX XXXX to a XXXX XXXX Account.  The action was initiated, per Navy Federal personnel, about \\'midnight\\'(unknown time zone). I discovered the attempt the morning, around XXXX, of XXXX XXXX XXXX  on my website.  I immediately notified Navy Federal Credit Union of this via phone and discussed with a fraud specialist.  On XXXX XXXX I took all my devices to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for analysis.  XXXX, employee, at XXXX XXXX reviewed programs on the computer discovering the software additions to my computer that had been made on or around XXXX XXXX by unknown persons and unknown methods. I had no visitors not allowed no one to use my computers.  On XXXX XXXX I was preparing to go to XXXX XXXX XXXX to work on my condominium.  I left on the XXXX I returned to XXXX  on the XXXX  due to items forgotten, and re-departed to XXXX XXXX XXXX XXXX XXXX XXXX. I feel this is part of the massive home invasion and identity theft that occurred on XXXX XXXX XXXX XXXX XXXX  is my detective of record and multiple cases have been filed with the XXXXXXXX  Police Department.\\n________________________________________\\nShowing results for Consumer Financial Protection Bureau (CFPB) investigation into Navy Federal\\nSearch instead for Consumer Financial Protection Bureau (CFPB) investigation\\nAI Overview\\nThe CFPB terminated a XXXX XXXX  overdraft fee settlement with Navy Federal Credit Union in XXXX XXXX, reversing a previous order for the credit union to refund consumers and pay a civil penalty. Before the termination, the CFPB had ordered Navy Federal to refund over XXXX XXXX and pay a XXXX XXXX penalty for alleged illegal overdraft practices. Separately, Navy Federal previously settled with the CFPB for XXXX XXXX over allegations of unfairly imposing certain fees on debit transactions. \\n\\n    Overdraft fees: In XXXX XXXX the CFPB ended a XXXX XXXX settlement with Navy Federal, which had alleged illegal overdraft practices. This reversed an earlier order for the credit union to pay over XXXX XXXX  in refunds and a XXXX XXXX  penalty, according to the Consumer Federation of America and XXXX XXXX.\\n    Unfair fees: In a separate case, Navy Federal paid XXXX XXXX to settle claims that it breached its account holder agreement by unfairly imposing certain fees on debit transactions, notes Consumer Action. \\n\\n________________________________________\\nNavy Federal has been the subject of poor investigations in several contexts, including a class-action lawsuit settlement for allegedly denying fraud claims, a \\nConsumer Financial Protection Bureau (CFPB) investigation into deceptive debt collection, and reports of mishandling fraud claims related to the \"parking lot scam\". Additionally, a separate issue involves allegations of discriminatory mortgage lending practices and an investigation into the denial of fraud claims by customers. \\nFraud and debt collection\\n\\tClass-action lawsuit: Navy Federal reached a proposed XXXX XXXX  settlement over allegations that it improperly rejected fraud claims, particularly after accounts were drained by unauthorized users. The lawsuit alleged the credit union failed to comply with federal rules regarding fraud investigation and member notification.\\n________________________________________\\nXXXXnStephenson v. Navy Federal Credit Union\\nis a class-action lawsuit that alleged the credit union violated the Electronic Funds Transfer Act (EFTA) by improperly denying members\\' unauthorized transaction claims and failing to provide sufficient explanations or documentation. The case has resulted in a proposed XXXX XXXX settlement, which would compensate approved claimants and require Navy Federal to revise its explanation letters. \\n\\XXXX________________________________________\\nIf a fraud or theft claim with Navy Federal is denied, you should first review the reason for the denial and gather additional supporting documentation, such as a police report or more transaction evidence\\n. You can then ask to speak with a fraud specialist at Navy Federal for a second review or file a complaint with the CFPB or the NCUA. It is crucial to report fraud as soon as possible and distinguish between fraud and scams, as you are not covered by the zero-liability policy for scams where you authorized the transaction. \\nIf your claim is denied\\n\\tReview the denial reason: Understand why your claim was denied to determine the next steps.\\n\\tGather more evidence: Collect additional documentation that can support your claim, such as screenshots of fraudulent emails, a police report, or statements showing unauthorized activity.\\n\\tRequest a second review: Contact Navy Federal and ask to speak with a fraud specialist to have them review your case again.\\n\\tEscalate the issue: If you believe the denial was unfair, file a complaint with the Consumer Financial Protection Bureau (CFPB) or the National Credit Union Administration (NCUA). \\n\\t\\nHow to file a fraud claim\\n\\tReport it immediately: The sooner you report the fraud, the better your chances of stopping or reversing the transaction.\\n\\tUse the correct forms and addresses: Navy Federal has specific forms and mailing addresses for different types of fraud. For example, use the Statement of Forgery form for debit card fraud or the Declaration of Forgery/Fraud form for other account types.\\n\\tSubmit the claim: You can typically submit claims online, by mail, or via eMessage. \\n\\t\\nImportant considerations\\n\\tFraud vs. scams: Navy Federal\\'s zero-liability policy covers fraud but not scams where you authorized the transfer yourself, even if you were deceived into doing so.\\n\\tProvisional credit: Navy Federal may issue a temporary, provisional credit, but this can be removed if the claim is not validated.\\n\\tIndividual review: Navy Federal states that each case is reviewed individually based on available evidence, and outcomes may vary.\\n________________________________________\\nXXXX XXXX?? This is Fraud to the best of my knowledge: ACH ORIG DEBIT - XXXX XXXX XXXX XXXX Pending Transaction Date (ET) XXXX XXXX XXXX Posted Date (XXXX) Pending Balance XXXX  Transaction Type ACH Debit   XXXX XXXX Account.\\n\\nXXXX    Appeal decision that I may have been involved.  Denial Authorized or participated in the activity.      \\n________________________________________\\nFrom: Navy Federal Credit Union  \\nSent: Wednesday, XXXX XXXX XXXX XXXX XXXXnTo: XXXXnSubject: Brochure/Form Request\\n\\nYour Brochure/Form Request\\n \\n\\n\\n\\nNavy Federal Security Zone:\\nEmail for XXXX  | XXXX XXXXBrochure/Form Request\\nThank you for allowing us to assist you today. The form(s) and/or brochure(s) you requested can be located by clicking the following link(s):\\n\\tSECURITY APPEAL (XXXX)\\nA PDF reader may be required to view the linked document(s). You can download a free PDF reader at hXXXXIf you need additional information, contact us.\\n\\n\\n\\n\\n\\n\\n\\nOur Members Are the Mission \\n\\n\\n\\n\\nContact Us  |  Security  |  Mobile Banking  |  Privacy Policy\\n \\nPlease do not reply to this email. This email is being sent from: Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX \\n  Equal Housing Lender |  XXXX  Navy Federal Credit Union. All rights reserved. NFCU DNS XXXX XXXX \\nNavy Federal is federally insured by NCUA.\\n\\n________________________________________\\n\\n*Navy Federal does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites. The Navy Federal Credit Union privacy and security policies do not apply to the linked site. Please consult the site\\'s policies for further information.\\n\\nNavy Federal has not request an appeal using their form be done.\\n \\nThanks.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-14T00:05:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"98409","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17217463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-13T23:52:51.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Before the termination, the CFPB had ordered Navy Federal to refund over XXXX XXXX and pay a XXXX XXXX penalty for alleged <em>illegal</em> overdraft practices. Separately, Navy Federal previously settled with the CFPB for XXXX XXXX over allegations of unfairly imposing certain fees on debit <em>transactions</em>. \\n\\n    Overdraft fees: In XXXX XXXX the CFPB ended a XXXX XXXX settlement with Navy Federal, which had alleged <em>illegal</em> overdraft practices."]},"sort":[8.969749,"17217463"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35}]}},"product":{"doc_count":35,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":14}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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