{"took":160,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12308423","_score":20.371277,"_source":{"product":"Credit card","complaint_what_happened":"I'm reaching out to get a refund. I have been trying to since XXXX now and unfortunately XXXX  and XXXX  XXXX  don't seem to want to work with me. I have been in XXXX  after reaching out multiple times for support in regards to jaw pain from XXXX XXXX. Without attachments byte is a scam and doesn't work causes more harm then good I submitted a consumer complaint to my state and will look into legal options they closed down future sales a few weeks after I purchased didn't even move past 2nd aligner the pain was horrific. I tried disputing with XXXX XXXX and was told XXXX  was unwilling to refund. I'd like to avoid a lengthy process and simply receive a refund my XXXX  sets are still in packaging other then first two. have no problem sending them back but won't put them anywhere near my mouth have had 0 pain in jaw with XXXX  but was told by your guys support that it was normal and to continue trusted my gut and didn't wear. At home XXXX  are dangerous not well monitored and XXXX  is engaging in predatory and misleading advertisements failed to meet my needs as a consumer even after complaining about pain on multiple occasions.","date_sent_to_company":"2025-03-04T23:55:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"12308423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-04T23:46:48.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["At home XXXX  are dangerous not well monitored and XXXX  is engaging in predatory and <em>misleading</em> <em>advertisements</em> <em>failed</em> to <em>meet</em> my <em>needs</em> as a consumer even after complaining about pain on multiple occasions."]},"sort":[20.371277,"12308423"]},{"_index":"complaint-public-v1","_id":"11423263","_score":16.275347,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing a formal complaint against XXXX for actions that I believe violate my rights under federal law, specifically 15 U.S.C. 1635 ( Right of Rescission ) and 15 U.S.C. 1662 ( False Advertising in Consumer Credit Transactions ). My primary concern is ensuring that I retain possession of my vehicle while these issues are investigated and resolved. \n\nDetails of Complaint 1. Violation of 15 U.S.C. 1635 Right of Rescission XXXX failed to provide accurate and complete disclosures regarding the financing terms of my vehicle purchase. This omission deprived me of my legal right to evaluate the transaction and potentially rescind it under the Truth in Lending Act ( TILA ). \n2. Violation of 15 U.S.C. 1662 False Advertising XXXX advertised financing terms and warranties that were misleading and did not reflect the actual terms I received. Specifically, they claimed [ insert specific claim, e.g., low-interest financing or comprehensive warranty ], but the agreement I signed included [ describe differences, e.g., higher interest rates, fewer protections, etc. ]. \n\nKey Issues XXXX misrepresented the financing and warranty terms in their advertising. \nThe company failed to meet the disclosure requirements mandated by TILA, impacting my ability to make an informed decision. \nDespite these violations, I rely on the vehicle for essential needs, and retaining it is critical for my livelihood. \n\nRequested Actions I respectfully request the CFPB to : 1. Investigate XXXX actions to determine if they violated 15 U.S.C. 1635 and 15 U.S.C. 1662. \n2. Ensure that I retain possession of my vehicle during this investigation and resolution process. \n3. Require XXXX to comply with federal consumer protection laws by providing accurate disclosures and correcting any deceptive advertising practices. \n4. Allow for a fair resolution of the financing terms to align with what was initially represented. \n\nSupporting Documentation I have attached the following for your review : A copy of the credit agreement and related disclosures. \nCopies of XXXX advertisements and promotional materials. \nCorrespondence with XXXX regarding the transaction. \nAny other relevant documentation. \n\nImpact and Resolution XXXX lack of transparency and misleading practices have caused me financial harm and significant distress. However, the vehicle is critical to my daily life, and I request assurance that I can retain possession of it throughout this process. I trust the CFPB to take appropriate measures to address these violations and secure a fair outcome. \n\nThank you for your attention to this matter. I look forward to your response and resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-08T01:44:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"11423263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-01-08T01:25:29.000Z","state":"LA","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 company <em>failed</em> to <em>meet</em> the disclosure requirements mandated by TILA, impacting my ability to make an informed decision. \nDespite these violations, I rely on the vehicle for essential <em>needs</em>, and retaining it is critical for my livelihood. \n\nRequested Actions I respectfully request the CFPB to : 1. Investigate XXXX actions to determine if they violated 15 U.S.C. 1635 and 15 U.S.C. 1662. \n2. Ensure that I retain possession of my vehicle during this investigation and resolution process. \n3."]},"sort":[16.275347,"11423263"]},{"_index":"complaint-public-v1","_id":"12635907","_score":4.419704,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax, I am writing to formally respond to the last dispute through CFBP to dispute inaccurate information that is currently being reported on my credit report. I also realize I keep getting the same response and the rest of the items I am requesting is being ignored. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and precise reporting of my credit information, and I believe my rights under this act have been violated. \nDetails of Dispute All Account in previous dispute # XXXX Disputed Information : All Despite requesting an investigation as required by the FCRA, it appears that inconsistencies and mismatches in the data points have not been properly addressed. I am therefore requesting that all closed accounts be removed from my report as I did not provide permissible permission for reporting when the debt was said to be incurred, and I was not informed on how to opt-out of sharing my personal information. This has resulted in significant harm to my creditworthiness. \nApplicable Laws and Requests Violation of FCRA rights : XXXX XXXX XXXX ( c ) XXXX ( Block Information Due to Identity Theft ) Fair Debt Collection Practices Act ( FDCPA ) requirements : XXXX XXXX XXXX ( b ) XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) provide description of information you are using to investigate my consumer dispute and this must be done in XXXX days of my request. \nXXXX XXXX XXXX i XXXX reinvestigation. \nXXXX XXXX XXXX reporting without my consent I request the following documentation within 15 days this is a request for proper validation under XXXX guidelines : Original purchase agreement, terms, and conditions Proof of ownership of the debt Date of first delinquency with the original creditor Assignment contract showing the assignment to you from the original creditor Debt collector bond proving the legal right to collect debt in the state of XXXX XXXX XXXX  Original creditor Last payment Last Date of Payment Additionally, please provide a detailed description of the procedures and methods of verification used in your investigation, along with all documents retrieved during this process that prove the accuracy of the reported information. \nConclusion The failure to protect my information has led to significant damage to my reputation and has impacted my ability to obtain lines of credit, resulting in high-interest rates and affecting my capacity to support my family 's needs. I urge you to address this matter promptly to avoid further legal action. \nThank you for your immediate attention to this critical issue. \n\nThis letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, \" Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within XXXX  days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. \nThis is for all accounts you stated where already verified. I stil have not received : Purchase agreement XXXX XXXX XXXX G XXXX XXXX Insurance claim XXXX with original creditor Last Payment missed on debt Assignment Contract with wet signature Proof of ownership of debt XXXX of proof Description of procedure Method of verification All documents received during investigation that proves it is reporting accurately Securitization Date of first delinquency with original creditor Debt collection bond proving right to collect in Kentucky XXXX XXXX Code XXXX - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( XXXX ) not communicate by post card ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( XXXX ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \nXXXX XXXX Code XXXX - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. \n( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. \n( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. \nIf such notice from the consumer is made by mail, notification shall be complete upon receipt. \n( d ) CONSUMER DEFINED For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. \nXXXX XXXX XXXX XXXX - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. \n( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section XXXX ( f ) or XXXX ( XXXX ) [ XXXX ] of this title. \n( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. \n( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. \n( XXXX ) Except as provided in section XXXX of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\nXXXX XXXX XXXX XXXX - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n( XXXX ) The false representation or implication that documents are legal process. \n( XXXX ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. \n( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. \nXXXX XXXX Code XXXX - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. \n( b ) FACTORS CONSIDERED BY COURT In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( XXXX ) in any individual action under subsection ( a ) ( XXXX ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( XXXX ) in any class action under subsection ( a ) ( XXXX ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. \n( c ) INTENT A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. \n( d ) JURISDICTION An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within XXXX year from the date on which the violation occurs. \n( XXXX ) ADVISORY OPINIONS OF BUREAU No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. \nXXXX XXXX Code XXXX - Administrative enforcement ( a ) FEDERAL TRADE COMMISSION The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( XXXX ) through ( XXXX ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( XXXX XXXX. XXXX et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n( b ) APPLICABLE PROVISIONS OF LAW Subject to subtitle B of the Consumer Financial Protection Act of XXXX, compliance with any requirements imposed under this subchapter shall be enforced under ( XXXX ) section XXXX of the Federal Deposit Insurance Act [ XXXX XXXX. XXXX ], by the appropriate Federal banking agency, as defined in section XXXX ( q ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section XXXX or XXXX of the Federal Reserve Act [ XXXX XXXX. XXXX et seq., XXXX et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( XXXX ) the Federal Credit Union Act [ XXXX XXXX. XXXX et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( XXXX ) subtitle IV of title XXXX, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( XXXX ) part A of subtitle XXXX of title XXXX, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( XXXX ) the Packers and Stockyards Act, XXXX [ XXXX XXXX. XXXX et seq. ] ( except as provided in section XXXX of that Act [ XXXX XXXX. XXXX, XXXX ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( XXXX ) subtitle XXXX of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ], by the Bureau, with respect to any person subject to this subchapter. \nThe terms used in paragraph ( XXXX ) that are not defined in this subchapter or otherwise defined in section XXXX ( XXXX ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( XXXX ) ) shall have the meaning given to them in section XXXX ( b ) of the International Banking Act of XXXX ( XXXX XXXX. XXXX ). \n( c ) AGENCY POWERS For the purpose of the exercise by any agency referred to in subsection ( b ) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ). \n( d ) RULES AND REGULATIONS Except as provided in section XXXX ( a ) of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.","date_sent_to_company":"2025-03-23T20:39:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12635907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-23T20:38:49.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX - False or <em>misleading</em> representations A debt collector may not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any debt."]},"sort":[4.419704,"12635907"]},{"_index":"complaint-public-v1","_id":"12660310","_score":4.404275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax, I am writing to formally respond to the last dispute through CFBP to dispute inaccurate information that is currently being reported on my credit report. I also realize I keep getting the same response and the rest of the items I am requesting is being ignored. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and precise reporting of my credit information, and I believe my rights under this act have been violated. \nDetails of Dispute All Account in previous dispute # XXXX Disputed Information : All Despite requesting an investigation as required by the FCRA, it appears that inconsistencies and mismatches in the data points have not been properly addressed. I am therefore requesting that all closed accounts be removed from my report as I did not provide permissible permission for reporting when the debt was said to be incurred, and I was not informed on how to opt-out of sharing my personal information. This has resulted in significant harm to my creditworthiness. \nApplicable Laws and Requests Violation of FCRA rights : XXXX XXXX XXXX ( c ) XXXX ( Block Information Due to Identity Theft ) Fair Debt Collection Practices Act ( FDCPA ) requirements : XXXX XXXX XXXX ( b ) XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) provide description of information you are using to investigate my consumer dispute and this must be done in XXXX days of my request. \nXXXX XXXX XXXX i XXXX reinvestigation. \nXXXX XXXX XXXX reporting without my consent I request the following documentation within 15 days this is a request for proper validation under XXXX guidelines : Original purchase agreement, terms, and conditions Proof of ownership of the debt Date of first delinquency with the original creditor Assignment contract showing the assignment to you from the original creditor Debt collector bond proving the legal right to collect debt in the state of XXXX XXXX XXXX  Original creditor Last payment Last Date of Payment Additionally, please provide a detailed description of the procedures and methods of verification used in your investigation, along with all documents retrieved during this process that prove the accuracy of the reported information. \nConclusion The failure to protect my information has led to significant damage to my reputation and has impacted my ability to obtain lines of credit, resulting in high-interest rates and affecting my capacity to support my family 's needs. I urge you to address this matter promptly to avoid further legal action. \nThank you for your immediate attention to this critical issue. \n\nThis letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, \" Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within XXXX  days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. \nThis is for all accounts you stated where already verified. I stil have not received : Purchase agreement XXXX XXXX XXXX G XXXX XXXX Insurance claim XXXX with original creditor Last Payment missed on debt Assignment Contract with wet signature Proof of ownership of debt XXXX of proof Description of procedure Method of verification All documents received during investigation that proves it is reporting accurately Securitization Date of first delinquency with original creditor Debt collection bond proving right to collect in Kentucky XXXX XXXX Code XXXX - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( XXXX ) not communicate by post card ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( XXXX ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \nXXXX XXXX Code XXXX - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. \n( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. \n( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. \nIf such notice from the consumer is made by mail, notification shall be complete upon receipt. \n( d ) CONSUMER DEFINED For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. \nXXXX XXXX XXXX XXXX - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. \n( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section XXXX ( f ) or XXXX ( XXXX ) [ XXXX ] of this title. \n( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. \n( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. \n( XXXX ) Except as provided in section XXXX of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\nXXXX XXXX XXXX XXXX - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n( XXXX ) The false representation or implication that documents are legal process. \n( XXXX ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. \n( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. \nXXXX XXXX Code XXXX - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. \n( b ) FACTORS CONSIDERED BY COURT In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( XXXX ) in any individual action under subsection ( a ) ( XXXX ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( XXXX ) in any class action under subsection ( a ) ( XXXX ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. \n( c ) INTENT A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. \n( d ) JURISDICTION An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within XXXX year from the date on which the violation occurs. \n( XXXX ) ADVISORY OPINIONS OF BUREAU No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. \nXXXX XXXX Code XXXX - Administrative enforcement ( a ) FEDERAL TRADE COMMISSION The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( XXXX ) through ( XXXX ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( XXXX XXXX. XXXX et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n( b ) APPLICABLE PROVISIONS OF LAW Subject to subtitle B of the Consumer Financial Protection Act of XXXX, compliance with any requirements imposed under this subchapter shall be enforced under ( XXXX ) section XXXX of the Federal Deposit Insurance Act [ XXXX XXXX. XXXX ], by the appropriate Federal banking agency, as defined in section XXXX ( q ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section XXXX or XXXX of the Federal Reserve Act [ XXXX XXXX. XXXX et seq., XXXX et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( XXXX ) the Federal Credit Union Act [ XXXX XXXX. XXXX et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( XXXX ) subtitle IV of title XXXX, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( XXXX ) part A of subtitle XXXX of title XXXX, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( XXXX ) the Packers and Stockyards Act, XXXX [ XXXX XXXX. XXXX et seq. ] ( except as provided in section XXXX of that Act [ XXXX XXXX. XXXX, XXXX ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( XXXX ) subtitle XXXX of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ], by the Bureau, with respect to any person subject to this subchapter. \nThe terms used in paragraph ( XXXX ) that are not defined in this subchapter or otherwise defined in section XXXX ( XXXX ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( XXXX ) ) shall have the meaning given to them in section XXXX ( b ) of the International Banking Act of XXXX ( XXXX XXXX. XXXX ). \n( c ) AGENCY POWERS For the purpose of the exercise by any agency referred to in subsection ( b ) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ). \n( d ) RULES AND REGULATIONS Except as provided in section XXXX ( a ) of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.","date_sent_to_company":"2025-03-23T20:39:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12660310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-23T20:38:49.000Z","state":"KY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX - False or <em>misleading</em> representations A debt collector may not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any debt."]},"sort":[4.404275,"12660310"]},{"_index":"complaint-public-v1","_id":"12616287","_score":4.4021473,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax, I am writing to formally respond to the last dispute through CFBP to dispute inaccurate information that is currently being reported on my credit report. I also realize I keep getting the same response and the rest of the items I am requesting is being ignored. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and precise reporting of my credit information, and I believe my rights under this act have been violated. \nDetails of Dispute All Account in previous dispute # XXXX Disputed Information : All Despite requesting an investigation as required by the FCRA, it appears that inconsistencies and mismatches in the data points have not been properly addressed. I am therefore requesting that all closed accounts be removed from my report as I did not provide permissible permission for reporting when the debt was said to be incurred, and I was not informed on how to opt-out of sharing my personal information. This has resulted in significant harm to my creditworthiness. \nApplicable Laws and Requests Violation of FCRA rights : XXXX XXXX XXXX ( c ) XXXX ( Block Information Due to Identity Theft ) Fair Debt Collection Practices Act ( FDCPA ) requirements : XXXX XXXX XXXX ( b ) XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) provide description of information you are using to investigate my consumer dispute and this must be done in XXXX days of my request. \nXXXX XXXX XXXX i XXXX reinvestigation. \nXXXX XXXX XXXX reporting without my consent I request the following documentation within 15 days this is a request for proper validation under XXXX guidelines : Original purchase agreement, terms, and conditions Proof of ownership of the debt Date of first delinquency with the original creditor Assignment contract showing the assignment to you from the original creditor Debt collector bond proving the legal right to collect debt in the state of XXXX XXXX XXXX  Original creditor Last payment Last Date of Payment Additionally, please provide a detailed description of the procedures and methods of verification used in your investigation, along with all documents retrieved during this process that prove the accuracy of the reported information. \nConclusion The failure to protect my information has led to significant damage to my reputation and has impacted my ability to obtain lines of credit, resulting in high-interest rates and affecting my capacity to support my family 's needs. I urge you to address this matter promptly to avoid further legal action. \nThank you for your immediate attention to this critical issue. \n\nThis letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, \" Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within XXXX  days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. \nThis is for all accounts you stated where already verified. I stil have not received : Purchase agreement XXXX XXXX XXXX G XXXX XXXX Insurance claim XXXX with original creditor Last Payment missed on debt Assignment Contract with wet signature Proof of ownership of debt XXXX of proof Description of procedure Method of verification All documents received during investigation that proves it is reporting accurately Securitization Date of first delinquency with original creditor Debt collection bond proving right to collect in Kentucky XXXX XXXX Code XXXX - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( XXXX ) not communicate by post card ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( XXXX ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \nXXXX XXXX Code XXXX - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. \n( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. \n( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. \nIf such notice from the consumer is made by mail, notification shall be complete upon receipt. \n( d ) CONSUMER DEFINED For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. \nXXXX XXXX XXXX XXXX - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. \n( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section XXXX ( f ) or XXXX ( XXXX ) [ XXXX ] of this title. \n( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. \n( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. \n( XXXX ) Except as provided in section XXXX of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\nXXXX XXXX XXXX XXXX - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n( XXXX ) The false representation or implication that documents are legal process. \n( XXXX ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. \n( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. \nXXXX XXXX Code XXXX - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. \n( b ) FACTORS CONSIDERED BY COURT In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( XXXX ) in any individual action under subsection ( a ) ( XXXX ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; or ( XXXX ) in any class action under subsection ( a ) ( XXXX ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. \n( c ) INTENT A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. \n( d ) JURISDICTION An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within XXXX year from the date on which the violation occurs. \n( XXXX ) ADVISORY OPINIONS OF BUREAU No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. \nXXXX XXXX Code XXXX - Administrative enforcement ( a ) FEDERAL TRADE COMMISSION The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( XXXX ) through ( XXXX ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( XXXX XXXX. XXXX et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n( b ) APPLICABLE PROVISIONS OF LAW Subject to subtitle B of the Consumer Financial Protection Act of XXXX, compliance with any requirements imposed under this subchapter shall be enforced under ( XXXX ) section XXXX of the Federal Deposit Insurance Act [ XXXX XXXX. XXXX ], by the appropriate Federal banking agency, as defined in section XXXX ( q ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section XXXX or XXXX of the Federal Reserve Act [ XXXX XXXX. XXXX et seq., XXXX et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( XXXX ) the Federal Credit Union Act [ XXXX XXXX. XXXX et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( XXXX ) subtitle IV of title XXXX, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( XXXX ) part A of subtitle XXXX of title XXXX, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( XXXX ) the Packers and Stockyards Act, XXXX [ XXXX XXXX. XXXX et seq. ] ( except as provided in section XXXX of that Act [ XXXX XXXX. XXXX, XXXX ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( XXXX ) subtitle XXXX of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX et seq. ], by the Bureau, with respect to any person subject to this subchapter. \nThe terms used in paragraph ( XXXX ) that are not defined in this subchapter or otherwise defined in section XXXX ( XXXX ) of the Federal Deposit Insurance Act ( XXXX XXXX. XXXX ( XXXX ) ) shall have the meaning given to them in section XXXX ( b ) of the International Banking Act of XXXX ( XXXX XXXX. XXXX ). \n( c ) AGENCY POWERS For the purpose of the exercise by any agency referred to in subsection ( b ) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ). \n( d ) RULES AND REGULATIONS Except as provided in section XXXX ( a ) of the Consumer Financial Protection Act of XXXX [ XXXX XXXX. XXXX ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.","date_sent_to_company":"2025-03-23T20:39:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12616287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-23T20:08:36.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX - False or <em>misleading</em> representations A debt collector may not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any debt."]},"sort":[4.4021473,"12616287"]},{"_index":"complaint-public-v1","_id":"9005065","_score":2.8630238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX ( XXXX ) - the term consumer means a natural person XXXX U.S.Code XXXX ( a ) XXXX ( a ) - XXXX has a right to privacy. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - creditor, [ XXXX XXXX as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - Location information includes telephone number, place of abode, place of employment. This is private remove it XXXX U.S.Code XXXX ( c ) XXXX XXXX XXXX ( c ) XXXX ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\nXXXX U.S.Code XXXX ( d ) XXXX ( d ) - Allows for the invoked status of XXXX, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - anything you deem false and deceptive with evidence. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - the assignee clause which makes the XXXX party debt collector and the one who assigns the debt liable. \n\n\n\nXXXX U.S.Code XXXX ( b ) XXXX ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. \n\n\n\nXXXX XXXX XXXX XXXX Give me all of my COINS back.I want all of my money Notice, In accordance with XXXX XXXX XXXX I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me XXXX XXXX XXXX XXXX - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. XXXX found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\nXXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\nXXXX U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under XXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\nXXXX U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the XXXX, or judge, and the creditor under XXXX ( d ) and you can administer judgement as the XXXX. You are the secured party right? \n\n\n\nXXXX U.S.Code XXXX ( b ) XXXX ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\nXXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to XXXX U.S.Code XXXX ( a ) ( XXXX ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\nXXXX U.S.Code XXXX ( f ) XXXX ( f ) - Consumer reporting agencies - Examples are XXXX, Transunion, XXXX. However there are over XXXX agencies who collect, house XXXX and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\nXXXX U.S.Code XXXX ( XXXX ) ( A ) ( iii ) XXXX ( XXXX ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( B ) XXXX ( XXXX ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information. \n\n\n\nXXXX U.S.Code XXXX ( g ) XXXX ( g ) - The consumer XXXX, includes the full file of a consumers collected information and the sources of that information. \n\n\n\nXXXX U.S.Code XXXX ( i ) ( XXXX ) XXXX ( i ) ( XXXX ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report XXXX XXXX XXXX ( q ) ( XXXX ) XXXX ( q ) ( XXXX ) - Identity Theft definition, similar to XXXX XXXX XXXX XXXX XXXX Notice, affiant is aware the term identity theft as described in XXXX XXXX XXXX ( q ) ( XXXX ) and Regulation V XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report XXXX XXXX XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - CRAs need written instruction to make a consumer report by the XXXX XXXX XXXX XXXX ( CRA ) XXXX XXXX XXXX ( c ) ( XXXX ) ( A ) XXXX ( c ) ( XXXX ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say XXXX only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section XXXX U.S.Code XXXX, permissible purposes does not only refer to inquires. Inquiries fall under only XXXX subsection under the Fair Credit Reporting Act, Title XXXX XXXX XXXX ( c ) ( XXXX ) ( A ) and does not make up the entire section of XXXX XXXX XXXX. The presumption which states XXXX only refers to inquires is false and misleading. \n\n\n\nXXXX XXXX XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) - Unauthorized inquiries XXXX XXXX XXXX ( a ) XXXX ( a ) - reasonable procedures must be maintained to avoid violations of XXXX and XXXX XXXX XXXX XXXX ( b ) XXXX ( b ) - must maintain maximum possible accuracy. \n\n\n\nXXXX U.S.Code XXXX XXXX - Request for a full file disclosure and the sources of its XXXX XXXX U.S.Code XXXX ( f ) ( XXXX ) ( A ) ( i ) XXXX ( f ) ( XXXX ) ( A ) ( i ) - XXXX XXXX is a risk score. \n\nNotice affiant is aware, a XXXX XXXX is a risk score pursuant to XXXX XXXX XXXX XXXX ( f ) ( XXXX ) ( A ) ( i ). Like other risk scores, a XXXX XXXX is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default. \n\n\n\nXXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - Method of XXXX I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed XXXX XXXX XXXX ( XXXX ) ( A ) XXXX ( XXXX ) ( A ) - failed demand to comply or failure to comply XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) XXXX ( XXXX ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\nXXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\nXXXX XXXX XXXX XXXX ( a ) ( XXXX ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. \n\nThe law is public information acting like they didnt know is no excuse to violate you or the law XXXX XXXX Code XXXX XXXX - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( A ) ( XXXX ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of XXXX ( XXXX ) ( XXXX ) XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) The term person means a natural person or an organization. \n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( f ) XXXX XXXX XXXX ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the XXXX Treasury and defer its payment. \n\n\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the XXXX treasury. The contract I received, as a result, was an unsolicited advertisement described in XXXX U.S.C XXXX ( a ) ( XXXX ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\nXXXX XXXX XXXX XXXX ( g ) XXXX ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\nXXXX U.S.Code XXXX ( i ) XXXX ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\nXXXX U.S.Code XXXX ( j ) XXXX ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with XXXX U.S.Code XXXX ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which XXXX be computed from time to time. \n\n\n\nXXXX U.S.Code XXXX ( l ) XXXX ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\nXXXX U.S.Code XXXX ( p ) XXXX ( p ) The term unauthorized use, as used in section XXXX of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\nXXXX U.S.Code XXXX ( v ) XXXX ( v ) - material disclosures require XXXX different requirements and XXXX disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section XXXX ( a ) of this title. ( Mortgage XXXX ) Notice, affiant is aware, in accordance to the regulations of the XXXX, there are XXXX required material disclosures which should be clear and conscious, bolded with XXXX point font and sectioned off in boxes within each consumer credit contract ; XXXX material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with XXXX U.S.Code XXXX ( v ) required by the Truth in Lending Act and is in violation of XXXX U.S.Code XXXX ( v ). \n\n\n\nXXXX U.S.Code XXXX ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) XXXX or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\nXXXX ( a ) ( b ) XXXX ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\nXXXX U.S.Code XXXX ( a ) XXXX ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\nXXXX XXXX Code XXXX ( XXXX ) ; ( XXXX ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since XXXX is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. \n\n\n\nXXXX XXXX XXXX XXXX Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with XXXX U.S.Code XXXX and XXXX XXXX XXXX to rescind any power of attorney which XXXX have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which XXXX have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.! If you have XXXX give them yours as well XXXX XXXX XXXX XXXX - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a XXXX sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which XXXX have occurred unbeknownst to me ; XXXX pro tunc. \n\n\n\nXXXX XXXX Code XXXX ( b ) ( XXXX ) ( A ) XXXX ( b ) ( XXXX ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of XXXX XXXX XXXX Notice, affiant is aware, documentary evidence pursuant to XXXX U.S.Code XXXX includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of XXXX U.S.Code XXXX XXXX U.S.Code XXXX ( a ) XXXX ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge XXXX time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. \n\n\n\nXXXX U.S.Code XXXX ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\nXXXX U.S.Code XXXX ( a ) XXXX ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card etc, can result up to a XXXX fine. \n\n\n\nXXXX XXXX XXXX XXXX ( b ) XXXX ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction XXXX U.S.Code XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ) - Billing errors caused by not providing documentary evidence as defined as XXXX U.S.Code XXXX. \n\n\n\nXXXX XXXX XXXX XXXX XXXX ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) - if the creditor does not provide all documentary evidence as defined under XXXX U.S.Code XXXX this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\nXXXX XXXX. XXXX ( d ) ( XXXX ) - enforcing the billing error, and restrictions from a company. \n\nNotice, affiant is aware, as the creditor XXXX not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in XXXX XXXX XXXX ( XXXX ) and hold the creditor liable under XXXX XXXX XXXX for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to XXXX XXXX XXXX for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error XXXX XXXX Code XXXX XXXX - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in XXXX IRS XXXX. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title XXXX ( f ) ... ( think about it ) XXXX XXXX Code XXXX ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\nXXXX XXXX. XXXX ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the XXXX Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and XXXX the agent and XXXX in fact. \n\n\n\nXXXX finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title XXXX XXXX ( a ) ( XXXX ) exclusions ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following employer need to be immediately removed. \n\nXXXX. XXXX TAC XXXX XXXX  The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title XXXX XXXX XXXX, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-14T16:37:51.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is false and <em>misleading</em> and a violation of XXXX ( XXXX ) ( XXXX ) XXXX U.S.Code XXXX ( XXXX ) XXXX ( XXXX ) The term person means a natural person or an organization."]},"sort":[2.8630238,"9005065"]},{"_index":"complaint-public-v1","_id":"9005209","_score":2.677219,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.Code 1693 ( a ) ( 6 ) 1693a ( 6 ) - the term consumer means a natural person 15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy.\n\n15 U.S.Code 1692a ( 4 ) 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\n15 U.S.Code 1692a ( 7 ) 1692a ( 7 ) - Location information includes telephone number, place of abode, place of employment. This is private remove it 15 U.S.Code 1692c ( c ) 15 USC 1692c ( c ) 1692c ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\n15 U.S.Code 1692c ( d ) 1692c ( d ) - Allows for the invoked status of administrator, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\n15 U.S.Code 1692e ( 2 ) 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\n15 U.S.Code 1692e ( 10 ) 1692e ( 10 ) - anything you deem false and deceptive with evidence.\n\n15 U.S.Code 1692e ( 12 ) 1692e ( 12 ) - the assignee clause which makes the 3rd party debt collector and the one who assigns the debt liable. \n\n\n\n15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation.\n\n15 U.S.Code 1692h 1692h Give me all of my COINS back.I want all of my money Notice, In accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me 15 U.S.Code 1692j 1692j - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under 15 U.S.Code XXXX ( a ) ( XXXX ) XXXX U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\n15 U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the administrator, or judge, and the creditor under 1692c ( d ) and you can administer judgement as the administrator. You are the secured party right? \n\n\n\n15 U.S.Code 1681 ( b ) 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\n15U.S.Code1681 ( a ) ( 4 ) 1681 ( a ) ( 4 ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\n15 U.S.Code 1681a ( f ) 1681a ( f ) - Consumer reporting agencies - Examples are XXXX, XXXX, Equifax. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\n15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\n15 U.S.Code 1681a ( e ) 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information.\n\n15 U.S.Code 1681a ( g ) 1681a ( g ) - The consumer File, includes the full file of a consumers collected information and the sources of that information. \n\n\n\n15 U.S.Code 1681a ( i ) ( 2 ) 1681a ( i ) ( 2 ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report 15 U.S.Code 1681a ( q ) ( 3 ) 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 Notice, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer Credit Reporting Agency ( CRA ) 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) 1681b ( c ) ( 1 ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say that1681b only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section 15 U.S.Code 1681b, permissible purposes does not only refer to inquires. Inquiries fall under only one subsection under the Fair Credit Reporting Act, Title 15 U.S.Code 1681 ( c ) ( 1 ) ( A ) and does not make up the entire section of 15 U.S.Code 1681b. The presumption which states 1681b only refers to inquires is false and misleading.\n\n15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 15 U.S.Code 1681e ( a ) 1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c 15 U.S.Code 1681e ( b ) 1681e ( b ) - must maintain maximum possible accuracy. \n\n\n\n15 U.S.Code 1681g 1681g - Request for a full file disclosure and the sources of its Information 15 U.S.Code 1681g ( f ) ( 2 ) ( A ) ( i ) 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score.\n\nNotice affiant is aware, a credit score is a risk score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ). Like other risk scores, a credit score is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default.\n\n15 U.S.Code 1681i ( 7 ) 1681i ( 7 ) - Method of Verification I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed 15 U.S.Code 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) 1681i ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\n15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\n15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages.\n\nThe law is public information acting like they didnt know is no excuse to violate you or the law 15 U.S. Code 1681q 1681q - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18U.S.Code 3571 15 U.S.Code 1681s-2 ( 7 ) ( E ) 1681s-2 ( 7 ) ( A ) ( E ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization.\n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 USC 1602 ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the US Treasury and defer its payment.\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the U.S. treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\n15 U.S. Code 1602 ( g ) 1602 ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\n15 U.S.Code 1602 ( i ) 1602 ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\n15 U.S.Code 1602 ( j ) 1602 ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. \n\n\n\n15 U.S.Code 1602 ( l ) 1602 ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\n15 U.S.Code 1602 ( p ) 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\n15 U.S.Code 1602 ( v ) 1602 ( v ) - material disclosures require 8 different requirements and 9 disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section XXXX ( a ) of this title. ( Mortgage Disclosure ) Notice, affiant is aware, in accordance to the regulations of the Bureau, there are eight required material disclosures which should be clear and conscious, bolded with ten point font and sectioned off in boxes within each consumer credit contract ; nine material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with 15 U.S.Code 1602 ( v ) required by the Truth in Lending Act and is in violation of 15 U.S.Code 1602 ( v ). \n\n\n\n15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\n15U.S.Code1605 ( a ) ( b ) 1605 ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\n15 U.S.Code 1605 ( a ) 1605 ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\n15 U.S. Code 1611 ( 1 ) ; ( 3 ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since TILA is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n\n\n15 U.S. Code 1635 Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC XXXX XXXX to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.! If you have one give them yours as well 15 U.S. Code 1635 - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; Nunc pro tunc. \n\n\n\n15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 1637 ( b ) ( 2 ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of 15 U.S.Code 1666b Notice, affiant is aware, documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. \n\n\n\n15 U.S.Code 1640 ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\n15 U.S.Code 1644 ( a ) 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card etc, can result up to a XXXX fine. \n\n\n\n15 U.S. Code 1662 ( b ) 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction 15 U.S.Code 1666 ( b ) ( 2 ) 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. \n\n\n\n15 U.S. Code 1666a 1666a ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over 15 U.S.Code 1666 ( e ) 1666 ( e ) - if the creditor does not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\n12 C.F.R. 1026.13 ( d ) ( 1 ) - enforcing the billing error, and restrictions from a company.\n\nNotice, affiant is aware, as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error 15 U.S. Code 1666d 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in Publication IRS 583. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) ... ( think about it ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\n16 C.F.R. 433.1 ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. \n\n\n\nCongress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following employer need to be immediately removed. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-14T17:13:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is false and <em>misleading</em> and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization."]},"sort":[2.677219,"9005209"]},{"_index":"complaint-public-v1","_id":"9005208","_score":2.6755538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.Code 1693 ( a ) ( 6 ) 1693a ( 6 ) - the term consumer means a natural person 15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy. \n\n\n\n15 U.S.Code 1692a ( 4 ) 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. \n\n\n\n15 U.S.Code 1692a ( 7 ) 1692a ( 7 ) - Location information includes telephone number, place of abode, place of employment. This is private remove it 15 U.S.Code 1692c ( c ) 15 USC 1692c ( c ) 1692c ( c ) Legal refusal to pay debt. Cease and Desist. \n\nOnly communication allowed is ; XXXX. Debt collector states all termination to collect are terminated ; XXXX. Allows consumer to invoke their status of creditor to receive their specified remedy ; XXXX. Allows for the notification of the intention to invoke specified remedy. XXXX. If the notice is delivered by mail the cease and desist is started upon the receipt of when the mail is sent. \n\n\n\n15 U.S.Code 1692c ( d ) 1692c ( d ) - Allows for the invoked status of administrator, executor, and as age or majority, parent can execute over the minor. The minor would be the corporation of your own birth certificate and opposing debt collector. This would also allow for your claim of stating the debt collector has no legal standing as they are in fact a minor in law. \n\n\n\n15 U.S.Code 1692e ( 2 ) 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? \n\n\n\n15 U.S.Code 1692e ( 10 ) 1692e ( 10 ) - anything you deem false and deceptive with evidence.\n\n15 U.S.Code 1692e ( 12 ) 1692e ( 12 ) - the assignee clause which makes the 3rd party debt collector and the one who assigns the debt liable. \n\n\n\n15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. \n\n\n\n15 U.S.Code 1692h 1692h Give me all of my COINS back.I want all of my money Notice, In accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for to redirect all prior payments, and all current payments to rectify the matters herein, to me 15 U.S.Code 1692j 1692j - False and deceptive forms. A form which is made to believe the debt has something to do with you or you are obligated and you are not, is false and deceptive. Fraud found in a form is a false and deceptive form and a violation of this act. For example if you go and get a car after a consumer credit transaction, you went for a car and gave credit. Companies are known to make whats called asset accounts. You never went to have an account made, this is a false and deceptive form because they never disclose this account being made. This includes statements which falsely accuses you of owing a debt. The delivery of these forms via mail constitutes mail fraud. However this subsection would not be used from inception of a contract, only after when an alleged debt is in the process of being collected and there is fraud found. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - Allows for any action of damage. \n\n\n\n15 U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. To get a XXXX dollars per violation, you will use XXXX dollars as actual damage under 15 U.S.Code XXXX ( a ) ( XXXX ) 15 U.S.Code XXXX ( a ) ( XXXX ) ( B ) XXXX ( a ) ( XXXX ) ( B ) -If you win a civil suit and file a class action, you can obtain up to XXXX or 1 % of the company. \n\n\n\n15 U.S.Code XXXX ( d ) XXXX ( d ) - you can invoke your jurisdiction. And as the administrator, or judge, and the creditor under 1692c ( d ) and you can administer judgement as the administrator. You are the secured party right? \n\n\n\n15 U.S.Code 1681 ( b ) 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. \n\n\n\n15U.S.Code1681 ( a ) ( 4 ) 1681 ( a ) ( 4 ) - Consumers right to privacy Notice, I, the affiant, a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. \n\n\n\n15 U.S.Code 1681a ( f ) 1681a ( f ) - Consumer reporting agencies - Examples are Experian, XXXX, XXXX. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. \n\n\n\n\n\n15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined, understand the Truth in Lending Act, this transaction must be excluded from your consumer report. \n\n\n\n15 U.S.Code 1681a ( e ) 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information.\n\n15 U.S.Code 1681a ( g ) 1681a ( g ) - The consumer File, includes the full file of a consumers collected information and the sources of that information. \n\n\n\n15 U.S.Code 1681a ( i ) ( 2 ) 1681a ( i ) ( 2 ) - medical information can not be included - age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. In other words not a single piece of medical information should be on your report 15 U.S.Code 1681a ( q ) ( 3 ) 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 Notice, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.If you never expressed permissions, which means its written down, then it shouldnt be on your report 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer Credit Reporting Agency ( CRA ) 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) 1681b ( c ) ( 1 ) ( A ) - This is an inquiry that gets reported onto your consumer report. Some times CRAs will try to say that1681b only refers to inquires, here is a snap back, you cant be afraid to fight back! \n\nNotice, affiant is aware, section 15 U.S.Code 1681b, permissible purposes does not only refer to inquires. Inquiries fall under only one subsection under the Fair Credit Reporting Act, Title 15 U.S.Code 1681 ( c ) ( 1 ) ( A ) and does not make up the entire section of 15 U.S.Code 1681b. The presumption which states 1681b only refers to inquires is false and misleading. \n\n\n\n15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 15 U.S.Code 1681e ( a ) 1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c 15 U.S.Code 1681e ( b ) 1681e ( b ) - must maintain maximum possible accuracy. \n\n\n\n15 U.S.Code 1681g 1681g - Request for a full file disclosure and the sources of its Information 15 U.S.Code 1681g ( f ) ( 2 ) ( A ) ( i ) 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score. \n\nNotice affiant is aware, a XXXXredit score is a risk score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ). Like other risk scores, a credit score is a calculated score that tells you how severe a risk is, based on several factors to predict the likelihood of certain credit behaviors such as default. \n\n\n\n15 U.S.Code 1681i ( 7 ) 1681i ( 7 ) - Method of Verification I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with must be removed 15 U.S.Code 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) 1681i ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. \n\n\n\n15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$15.00} U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater. \n\n\n\n15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages.\n\nThe law is public information acting like they didnt know is no excuse to violate you or the law 15 U.S. Code 1681q 1681q - Any person which includes a consumer reporting agency who willfully and knowingly obtains INFORMATION on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18U.S.Code 3571 15 U.S.Code 1681s-2 ( 7 ) ( E ) 1681s-2 ( 7 ) ( A ) ( E ) - This is a snap back to a company who states they are required to report 100 % accurate information. They misconstrue the law to state they are required to report accurate information but this does not mean the must report negative information. This is not a requirement of the FCRA. This is false and misleading and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization. \n\nNotice, affiant is aware, a person as defined under the Truth in Lending Act as a natural person or an organization, and organization can be a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association as defined under the Truth in Lending Act, 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 USC 1602 ( f ) Notice, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor to defer payment of the debt or to incur debt or a loan from the US Treasury and defer its payment. \n\n\n\nThis makes { COMPANY NAME } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, the affiant, came to extend credit as shown in exhibit ( -- ) and not receive a loan from the U.S. treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by { COMPANY NAME } and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by { COMPANY NAME }. \n\n\n\n15 U.S. Code 1602 ( g ) 1602 ( g ) The term creditor refers only to a person, natural person, who regularly extends credit and is the person to whom the debt arising from thus we created the debt, and the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or a contract. \n\n\n\n15 U.S.Code 1602 ( i ) 1602 ( i ) - a consumer in connection with a consumer credit transaction, refers to natural person who extends credit to obtain goods, money or services are primarily for personal, family, or household purposes. \n\n\n\n15 U.S.Code 1602 ( j ) 1602 ( j ) - A credit card from a bank such as XXXX are actually called open-ended consumer credit plans. Installment loans also fit under this category as well. \n\nin accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. \n\n\n\n15 U.S.Code 1602 ( l ) 1602 ( l ) The term credit card means any card, which includes examples such as an EBT card or social security card, license plate, checkbook or remittance slip. \n\n\n\n\n\n15 U.S.Code 1602 ( p ) 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\n\n\n15 U.S.Code 1602 ( v ) 1602 ( v ) - material disclosures require 8 different requirements and 9 disclosures are required if it is a mortgage contract. \n\nXXXX the annual percentage rate, XXXX the method of determining the finance charge XXXX the balance upon which a finance charge will be imposed, XXXX the amount of the finance charge, XXXX the amount to be financed, XXXX the total of payments, XXXX the number and amount of payments, XXXX the due dates or periods of payments scheduled to repay the indebtedness, XXXX disclosures required by section 1639 ( a ) of this title. ( Mortgage Disclosure ) Notice, affiant is aware, in accordance to the regulations of the Bureau, there are eight required material disclosures which should be clear and conscious, bolded with ten point font and sectioned off in boxes within each consumer credit contract ; nine material disclosures are required if it is a mortgage contract. As shown in EXHIBIT ( -- ), the contract provided did not meet the full criteria of the material disclosures in accordance with 15 U.S.Code 1602 ( v ) required by the Truth in Lending Act and is in violation of 15 U.S.Code 1602 ( v ). \n\n\n\n15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, ( b ) does not include charges of a type payable in a comparable cash transaction. \n\nthe finance charge includes any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n\n( XXXX ) Service or carrying charge. \n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n( XXXX ) Fee for an investigation or credit report. \n\n( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or fees paid directly to the broker or the lender ( XXXX ) fees ( for delivery to the broker ) whether such fees are paid in cash or financed. \n\n( XXXX ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges ( XXXX ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. \n\n\n\n15U.S.Code1605 ( a ) ( b ) 1605 ( a ) ( b ) - Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. \n\n\n\n15 U.S.Code 1605 ( a ) 1605 ( a ) No down payments or any cash in connection with a finance charge. \n\n\n\n15 U.S. Code 1611 ( 1 ) ; ( XXXX ) Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the under TILA and every \" regulation '' or consumer law after, and since TILA is the first law it's all of consumer credit protection, or ( XXXX ) if companies fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n\n\n15 U.S. Code 1635 Revoking power of attorney. \n\nNotice, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC XXXX XXXX to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.! If you have one give them yours as well 15 U.S. Code 1635 - arbitration clause Notice, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent .The appropriate \" meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; Nunc pro tunc. \n\n\n\n15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 1637 ( b ) ( 2 ) ( A ) - Creditor must provide documentary evidence upon request to verify a billing error otherwise there is a violation of 15 U.S.Code 1666b Notice, affiant is aware, documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. I am giving formal notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. \n\n\n\n15 U.S.Code 1640 ( B ) if there is a class action then the violation can be XXXX or 1 % of the net worth of the creditor. \n\n\n\n15 U.S.Code 1644 ( a ) 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card etc, can result up to a XXXX fine. \n\n\n\n15 U.S. Code 1662 ( b ) 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction 15 U.S.Code 1666 ( b ) ( 2 ) 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. \n\n\n\n15 U.S. Code 1666a 1666a ( a ) Creditor can not report information to any third party if there is a billing error dispute until the dispute is over 15 U.S.Code 1666 ( e ) 1666 ( e ) - if the creditor does not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If the person gets the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. \n\n\n\n12 C.F.R. 1026.13 ( d ) ( 1 ) - enforcing the billing error, and restrictions from a company.\n\nNotice, affiant is aware, as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error 15 U.S. Code 1666d 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entires of the account from the date of account opening as described in Publication IRS XXXX. \n\nMake sure to tell them if you want it in cash check or money order and where to send it too 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) ... ( think about it ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. \n\n\n\n16 C.F.R. 433.1 ( d ) Purchase money loan NoticeI the affiant has reason to believe and do so believe a purchase money loan, cash advance was given as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it I, living name, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. \n\n\n\nCongress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n\nUpon review of my credit report, I have notice you are reporting several inaccurate information. You have a duty pursuant to the FCRA to report accurate and fair information. In accordance with the Fair Credit Reporting act company name, has violated my rights. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. \n\n\n\nThe Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer This includes charge offs and collections XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX The following address needs to be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following employer need to be immediately removed. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX The following inquiries need to be immediately removed. \n\nXXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX. XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.","date_sent_to_company":"2024-05-14T17:13:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60510","tags":null,"has_narrative":true,"complaint_id":"9005208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-14T17:13:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is false and <em>misleading</em> and a violation of 1681s-2 ( 7 ) ( E ) 15 U.S.Code 1602 ( e ) 1602 ( e ) The term person means a natural person or an organization."]},"sort":[2.6755538,"9005208"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8}]}},"product":{"doc_count":8,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}}]}},"issue":{"doc_count":8,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}}]}},"timely":{"doc_count":8,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":8}]}},"company_response":{"doc_count":8,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":8,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":8}]}},"company":{"doc_count":8,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1}]}},"state":{"doc_count":8,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"IL","doc_count":3},{"key":"KY","doc_count":3},{"key":"LA","doc_count":1},{"key":"NJ","doc_count":1}]}},"company_public_response":{"doc_count":8,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":6}]}},"tags":{"doc_count":8,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}