{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":391,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6903929","_score":19.626896,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against United Accounts , Inc. and XXXX XXXX. Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged debt. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrant investigation by your office. \n\nUnited Accounts , Inc. has engaged in false, deceptive, and misleading representations in connection with the collection of an alleged debt. Despite my repeated attempts to inform the agency that their claims are inaccurate, they have persisted in their unlawful collection efforts, and have threatened to use law enforcement against me if I continued to attempt to dispute the alleged debt. \n\nIn a particularly concerning development, I received a text message from the phone number of XXXX XXXX. Lies, who is currently employed as a sheriff in XXXX XXXX. To my knowledge no party previously involved lives or operates in XXXX XXXX. In the message, the sheriff instructed me to contact the local police regarding the alleged debt, in a manner that suggested he was a XXXX police officer looking into the matter. I believe this communication was intended to intimidate and coerce me into paying the debt, despite my objections to its validity. \n\nThe involvement of a currently employed law enforcement officer in the collection of an alleged debt, particularly when employing false or misleading representations, is deeply troubling and, I believe, in violation of the FDCPA. I respectfully request that your office investigate this matter and take appropriate action to address the misconduct of both United Accounts , Inc. and XXXX XXXX. Lies. \n\nThe amount United Accounts Inc. is attempting to collect is {$110.00} text in question took place today XXXX Thank you for your attention to this matter, and I look forward to your response.","date_sent_to_company":"2023-06-05T17:42:46.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"030XX","tags":null,"has_narrative":true,"complaint_id":"6903929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Accounts, Inc.","date_received":"2023-04-28T22:51:30.000Z","state":"NH","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged <em>debt</em>. I believe their actions are in violation of the Fair <em>Debt</em> Collection Practices Act ( FDCPA ) and warrant investigation by your office. \n\nUnited Accounts , Inc. has engaged in false, deceptive, and <em>misleading</em> <em>representations</em> in connection with the collection of an alleged <em>debt</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Other <em>debt</em>"]},"sort":[19.626896,"6903929"]},{"_index":"complaint-public-v1","_id":"17067795","_score":18.883959,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this formal complaint concerning a debt-collection matter currently being pursued against me in XXXX. The actions of the collector appear to violate both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and have resulted in the unlawful garnishment of my bank account.\n\n________________________________________ Background The company Evans & Mullinix filed a claim against me and allegedly obtained a judgment dated XX/XX/2025. \nI was never properly served or notified of this court action and therefore was denied my right to due process.\n\nI subsequently learned of the case only after funds were garnished from my checking account.\n\nI immediately submitted a written debt-validation request under FDCPA 809 ( b ) / 15 U.S.C. 1692g, requesting proof of the debt, chain of title, contract bearing my signature, and an itemized account history.\n\nTo date, the collector has failed to provide proper validation and continues collection and reporting activity.\n\nThe collector has also used false and misleading representations, which constitutes violations of FDCPA 1692e and 1692f and FCRA 1681s-2.\n\n________________________________________ Violations Alleged 1. Failure to provide validation of debt before continuing collection ( FDCPA 809 ( b ) ).\n\n2. Use of false, misleading, or deceptive representations in connection with the alleged debt ( FDCPA 1692e ).\n\n3. Unfair or unconscionable means of collection, including garnishment without lawful notice ( FDCPA 1692f ).\n\n4. Complete and itemized account history, including the original balance, all payments received, fees, interest, and current balance prepared in accordance with Generally Accepted Accounting Principles ( GAAP ) and applicable federal regulations 5. Furnishing inaccurate or unverified information to consumer-reporting agencies ( FCRA 1681s-2 ).\n\n6. Failure of due processno lawful service of summons prior to judgment.","date_sent_to_company":"2025-11-06T20:31:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"17067795","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Evans & Mullinix, PA","date_received":"2025-11-06T20:14:09.000Z","state":"MO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The collector has also used false and <em>misleading</em> <em>representations</em>, which constitutes violations of FDCPA 1692e and 1692f and FCRA 1681s-2.\n\n________________________________________ Violations Alleged 1. Failure to provide validation of <em>debt</em> before <em>continuing</em> collection ( FDCPA 809 ( b ) ).\n\n2. Use of false, <em>misleading</em>, or deceptive <em>representations</em> in connection with the alleged <em>debt</em> ( FDCPA 1692e ).\n\n3."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.883959,"17067795"]},{"_index":"complaint-public-v1","_id":"22211409","_score":18.808296,"_source":{"product":"Student loan","complaint_what_happened":"( Accreditation Misrepresentation Student Loan Harm ) * * I attended the XXXX XXXX XXXXXXXX from approximately XXXX through XXXX, enrolling in what the University represented as a XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) program offered in XXXX XXXX, Florida. At the time of enrollment, the University represented that this XXXX program was properly accredited, including recognition by XXXX  XXXX accrediting bodies such as XXXX and XXXX, and that completion of the program would qualify graduates for XXXX employment nationwide, including federal employment. \nI relied on these representations when deciding to enroll and when agreeing to finance my education through student loans. I would not have incurred this debt had I known that the programs accreditation status would later prevent my degree from being recognized by major XXXX employers. \nAfter completing the program and entering the workforce, I learned that my XXXX was not accepted by Veterans Affairs ( VA ) XXXX or by multiple neighboring hospitals. When I attempted to seek employment with VA facilities, I was informed that the XXXX XXXXXXXX XXXX XXXX XXXX was not recognized as an accredited institution on the XXXX approved list during the relevant period. As a result, I was disqualified from employment opportunities for which a valid XXXX was required. \nBecause of this lack of recognition, my degree has not produced the professional advancement or employment eligibility promised, despite successful completion of the program. I incurred substantial student loan debt based on the belief that I would obtain a recognized XXXX degree. Instead, I remain unable to advance professionally, and I continue to experience ongoing financial harm related to the loans used to finance this education. \nThe Universitys representations regarding program accreditation and employability were material to my decision to enroll and borrow. These representations proved to be inaccurate or misleading as applied to my program and circumstances. The harm did not end at graduation ; it continues today because my loans remain enforceable while the degree does not provide the employment value represented. \nI am submitting this statement in connection with my CFPB consumer complaint concerning student loan obligations incurred due to these representations, and in support of a request for appropriate relief through the Borrower Defense to Repayment process.","date_sent_to_company":"2026-05-14T18:39:27.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"22211409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-05-14T18:04:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["These <em>representations</em> proved to be inaccurate or <em>misleading</em> as applied to my program and circumstances. The harm did not end at graduation ; it <em>continues</em> today because my loans remain enforceable while the degree does not provide the employment value represented."]},"sort":[18.808296,"22211409"]},{"_index":"complaint-public-v1","_id":"7157601","_score":18.587532,"_source":{"product":"Debt collection","complaint_what_happened":"I have fallen under the FDCPA, FCRA, and Regulation V obligations that Portfolio Recovery Associates , LLC has criminally failed to adhere to. \nThey took or threatened to take negative or legal action against me. \nPortfolio Recovery Associates Continues to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or misleading representations concerning the debt, and continue to attempt to collect on debt that was outside the statute of limitations and was time-barred debt without making required disclosures during their process. \nThey have Violated : I. New Mexico Debt Collections Laws a. Statute of Limitations NMSA 1978 37-1-1 et seq. governs New Mexicos statute of limitations for the collection of open accounts, written contracts, and judgments entered by the Court. In New Mexico, the statute of limitations for open accounts is four years, while the statute of limitations for written contracts is six years. In New Mexico, if a creditor can provide a signed credit card agreement, the SIX YEAR statute of limitations applies. The cause of action accrues on the last item therein, which can either be the last payment made on the account or the last statement sent to the debtor. Once entered, a judgment is enforceable in New Mexico for fourteen years and can not be renewed.","date_sent_to_company":"2023-06-24T01:10:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"874XX","tags":null,"has_narrative":true,"complaint_id":"7157601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2023-06-24T00:43:10.000Z","state":"NM","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates <em>Continues</em> to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or <em>misleading</em> <em>representations</em> <em>concerning</em> the <em>debt</em>, and <em>continue</em> to attempt to collect on <em>debt</em> that was outside the statute of limitations and was time-barred <em>debt</em> without making required disclosures during their process. \nThey have Violated : I. New Mexico <em>Debt</em> Collections Laws a."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[18.587532,"7157601"]},{"_index":"complaint-public-v1","_id":"15050090","_score":17.76621,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Credit Management , Inc . \nXXXX XXXX De La XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : Accounts ending in XXXX, XXXX, XXXX This letter serves as formal notice regarding your continued communications dated XX/XX/year>, and prior, concerning the above-referenced accounts. As previously communicated to you in writing, I have issued a Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which prohibits further communication from your office regarding these accounts.\n\nDespite your own acknowledgement in your response to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, that all referenced accounts are marked Cease and Desist, you have continued to send mailings attempting to collect on these alleged debts. This is a direct and ongoing violation of federal law. \n\nFurthermore, your letters fail to provide legally sufficient validation of the debts under 15 U.S.C. 1692g. Simply stating the alleged amount owed and internal account numbers is not verification. No original signed contract, full accounting history, or chain of title evidencing legal ownership of the debt has been provided.\n\nYou are also in violation of 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations. Your continued contact gives the false impression that these debts are fully verified and enforceable, which they are not. Additionally, you violate 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act by continuing collection activity without proper investigation and verification.","date_sent_to_company":"2025-08-01T06:35:17.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"15050090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-08-01T06:07:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["No original signed contract, full accounting history, or chain of title evidencing legal ownership of the <em>debt</em> has been provided.\n\nYou are also in violation of 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or <em>misleading</em> <em>representations</em>. Your <em>continued</em> contact gives the false impression that these <em>debts</em> are fully verified and enforceable, which they are not."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[17.76621,"15050090"]},{"_index":"complaint-public-v1","_id":"16652016","_score":17.408398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : 15 U.S.C. 1611 False or Misleading Representations/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or misleading statements or representations in relation to a consumer credit transaction.\n\nI have reason to believe that false, incomplete, or misleading information may have been communicated or reported in relation to this alleged debt or consumer credit transaction. Therefore, I am exercising my federal rights and requesting the following : 1. Underwriter and Decision Disclosure : Identify the underwriter, agent, or representative responsible for approving, verifying, or validating this alleged debt.\n\nProvide a detailed listing of all underwriting factors, criteria, and documentation used in determining the existence, validity, or enforceability of this consumer transaction.\n\n2. Verification of Reported Information : Supply documentation confirming the accuracy, completeness, and lawful basis of any information reported to credit bureaus concerning this account.\n\nIdentify any misstatements, inaccuracies, or misleading entries that may constitute a violation of 15 U.S.C. 1611.\n\n3. Access and Use of Credit Information : Provide a clear explanation and documentation showing how and when any portion of my credit, account data, or financial profile was accessed, used, or transferred by your company.\n\nIf any portion of an unlimited or revolving credit line has been reclassified, restricted, or utilized without my express consent, please disclose the nature and legal basis of that access.\n\nPlease consider this letter a formal demand for full validation and underwriting disclosure. I request that you respond within 15 business days from receipt, providing certified documentation to support your claims of ownership, assignment, or collection authority regarding this account.\n\nFailure to comply or continued reporting of inaccurate or unvalidated information may constitute a violation of federal law and may be referred to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. \n\nThank you for your immediate attention to this matter. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-10-17T19:46:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19142","tags":null,"has_narrative":true,"complaint_id":"16652016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-17T19:46:07.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : 15 U.S.C. 1611 False or <em>Misleading</em> <em>Representations</em>/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or <em>misleading</em> statements or <em>representations</em> in relation to a consumer credit transaction."]},"sort":[17.408398,"16652016"]},{"_index":"complaint-public-v1","_id":"16652017","_score":17.392704,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : 15 U.S.C. 1611 False or Misleading Representations/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or misleading statements or representations in relation to a consumer credit transaction.\n\nI have reason to believe that false, incomplete, or misleading information may have been communicated or reported in relation to this alleged debt or consumer credit transaction. Therefore, I am exercising my federal rights and requesting the following : 1. Underwriter and Decision Disclosure : Identify the underwriter, agent, or representative responsible for approving, verifying, or validating this alleged debt.\n\nProvide a detailed listing of all underwriting factors, criteria, and documentation used in determining the existence, validity, or enforceability of this consumer transaction.\n\n2. Verification of Reported Information : Supply documentation confirming the accuracy, completeness, and lawful basis of any information reported to credit bureaus concerning this account.\n\nIdentify any misstatements, inaccuracies, or misleading entries that may constitute a violation of 15 U.S.C. 1611.\n\n3. Access and Use of Credit Information : Provide a clear explanation and documentation showing how and when any portion of my credit, account data, or financial profile was accessed, used, or transferred by your company.\n\nIf any portion of an unlimited or revolving credit line has been reclassified, restricted, or utilized without my express consent, please disclose the nature and legal basis of that access.\n\nPlease consider this letter a formal demand for full validation and underwriting disclosure. I request that you respond within 15 business days from receipt, providing certified documentation to support your claims of ownership, assignment, or collection authority regarding this account.\n\nFailure to comply or continued reporting of inaccurate or unvalidated information may constitute a violation of federal law and may be referred to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. \n\nThank you for your immediate attention to this matter. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-10-17T19:46:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19142","tags":null,"has_narrative":true,"complaint_id":"16652017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-17T19:46:07.000Z","state":"PA","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":["XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : 15 U.S.C. 1611 False or <em>Misleading</em> <em>Representations</em>/ Full Underwriting Disclosure Request Dear XXXX XXXX XXXX, This letter is written in connection with the above-referenced account and pursuant to my rights under the Truth in Lending Act ( TILA ) and 15 U.S.C. 1611, which prohibits the making of any false or <em>misleading</em> statements or <em>representations</em> in relation to a consumer credit transaction."]},"sort":[17.392704,"16652017"]},{"_index":"complaint-public-v1","_id":"16960148","_score":16.90062,"_source":{"product":"Debt collection","complaint_what_happened":"XXXXWhat happened:XXXX XXXX XXXX I received an initial debt collection letter from the law firm Kirschenbaum & Phillips, P.C. concerning an alleged debt of XXXX owed to XXXX XXXX XXXX. I dispute this debt in its entiretyXXXXThe letter contained multiple deceptive representations, including the false impression of attorney involvement and a misleading \"dispute deadline\" of XXXX XXXX XXXX which misstates the 30-day dispute period required by federal lawXXXX XXXX XXXX XXXX, I exercised my rights under the Fair Debt Collection Practices Act (FDCPA) by mailing a written debt validation request via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I requested proof of a valid contract, an itemized accounting, and documentation proving their legal standing to collect. USPS tracking confirms the company received my request on XXXX XXXX XXXXAs of now, the debt collector has failed to provide any validation or respond. Under the FDCPA, 15 U.S.C.  1692g(b), a debt collector must cease all collection activity upon receipt of a timely dispute until the requested verification is mailed. The collector\\'s failure to provide validation while continuing its collection effort is a violation of this federal requirement.XXXXI am requesting that the CFPB investigate these unlawful practices and require the company to:XXXX1. Cease all collection activity on this account.XXXX2. Delete any related information from all consumer reporting agencies.XXXX3. Provide written confirmation that the account is closed and will not be sold or transferred.'","date_sent_to_company":"2025-11-19T15:38:19.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"11729","tags":null,"has_narrative":true,"complaint_id":"16960148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kirschenbaum & Phillips P.C","date_received":"2025-10-31T12:10:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXXWhat happened:XXXX XXXX XXXX I received an initial <em>debt</em> collection letter from the law firm Kirschenbaum & Phillips, P.C. <em>concerning</em> an alleged <em>debt</em> of XXXX owed to XXXX XXXX XXXX."],"product":["<em>Debt</em> collection"],"sub_product":["Rental <em>debt</em>"]},"sort":[16.90062,"16960148"]},{"_index":"complaint-public-v1","_id":"10764591","_score":16.319191,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Against Absolute Resolutions Investment, LLC Concerning FDCPA Violations and False Reporting to Credit Bureaus Dear Sir/Madam , I am writing to file a formal complaint against Absolute Resolutions Investment, LLC, a debt collection agency, for their ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as their actions in falsely reporting inaccurate and fraudulent information to the credit bureaus, which has caused significant damage to my personal credit and reputation.\n\nSummary of the Complaint : 1. False and Fraudulent Reporting to Credit Bureaus : Absolute Resolutions Investment, LLC has reported inaccurate and fraudulent information about me to one or more of the major credit bureaus. Specifically, they have reported an alleged debt that I do not owe and that I have no legal obligation to pay. I have reviewed my credit report, and this entry is incorrect, misleading, and damaging to my financial reputation.\n\nI have disputed these false entries with the credit bureaus, but they continue to appear on my report, despite my efforts to correct the inaccuracies.\n\n2. Violation of the FDCPA : Under the FDCPA ( 15 U.S. Code 1692 ), debt collectors are prohibited from engaging in deceptive, harassing, or coercive conduct. Despite my attempts to resolve the matter, Absolute Resolutions Investment, LLC has employed the following prohibited actions : Section 805 ( a ) - Communication in Connection with Debt Collection : They have continued to contact me without my consent and have sent multiple letters and phone calls demanding payment for this fraudulent debt.\n\nSection 807 - False or Misleading Representations : The company has made false representations about the nature and amount of the debt, including threatening to report it to credit bureaus without providing me any proof of the debt.\n\nSection 809 ( a ) - Validation of Debts : Despite my requests, Absolute Resolutions has failed to provide adequate validation of the alleged debt, which is required by law before they can take any action to collect or report the debt.\n\nSection 813 - Civil Liability : The continued harassment and fraudulent reporting is causing ongoing harm to my credit and finances. I am considering seeking civil remedies under the FDCPA, but I hope this complaint will result in the proper investigation of their actions.\n\n3. Coercion and Threats : In their communications, Absolute Resolutions has attempted to coerce me into paying a debt that I do not owe. This includes threatening legal action and reporting the fraudulent debt to credit bureaus, even though they have failed to provide proper verification. These actions are intended to intimidate me into paying something that is not my responsibility.\n\nRequested Action : I request that the CFPB investigate this matter and take appropriate action against Absolute Resolutions Investment, LLC for the following violations : Their failure to properly validate the debt, as required under the FDCPA.\n\nTheir false and fraudulent reporting of this debt to the credit bureaus.\n\nTheir harassment and coercive tactics in attempting to force payment for a debt I do not owe.\n\nAny other unlawful practices identified by your investigation under the FDCPA and related consumer protection laws.\n\nI have attached the following documentation to support my complaint : Copies of my credit report showing the fraudulent entry.\n\nAny correspondence I have received from Absolute Resolutions Investment, LLC.\n\nCopies of any dispute resolutions or responses from the credit bureaus regarding the disputed entry.\n\nConclusion : I respectfully request that the CFPB investigate this issue promptly and take any necessary action to prevent Absolute Resolutions Investment, LLC from continuing these unlawful practices. I also ask that the fraudulent information be removed from my credit report to prevent further harm to my financial reputation.\n\nThank you for your attention to this matter. I look forward to your response and any steps that will be taken to resolve this situation.","date_sent_to_company":"2024-11-13T03:12:34.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"10764591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2024-11-13T02:50:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Section 807 - False or <em>Misleading</em> <em>Representations</em> : The company has made false <em>representations</em> about the nature and amount of the <em>debt</em>, including threatening to report it to credit bureaus without providing me any proof of the <em>debt</em>.\n\nSection 809 ( a ) - Validation of <em>Debts</em> : Despite my requests, Absolute Resolutions has failed to provide adequate validation of the alleged <em>debt</em>, which is required by law before they can take any action to collect or report the <em>debt</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[16.319191,"10764591"]},{"_index":"complaint-public-v1","_id":"16827588","_score":16.268133,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint arises out of unlawful and non-compliant debt-collection conduct by January Technologies , Inc. , acting as a purported agent or assignee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, concerning an alleged lease-to-own account originated in XX/XX/XXXX for a purchase through XXXX XXXX XXXX, with an asserted balance of {$2500.00}. The final payment to XXXX occurred in XX/XX/XXXX ; thereafter, in or around XX/XX/XXXX, the alleged account was placed with XXXX for collection. \n\nBeginning XX/XX/XXXX, XXXX initiated collection activity and transmitted electronic communications labeled as account validation on XX/XX/XXXX and again on XX/XX/XXXX. These communications fail to satisfy the statutory validation requirements set forth in 15 U.S.C. 1692g ( a ) ( b ). The content consisted merely of a generic balance statement and payment link, devoid of ( 1 ) the executed consumer lease or contract, ( 2 ) a complete transactional ledger itemizing debits, credits, fees, and interest, or ( 3 ) competent evidence establishing the legal chain of assignment conferring collection authority upon XXXX. \n\nPursuant to 809 ( b ) of the FDCPA ( 15 U.S.C. 1692g ( b ) ), once a consumer disputes the debt in writing, the debt collector must cease all collection activity until proper verification is provided. XXXX continued attempts to collect absent verified documentation constitute a continuing violation of the FDCPA and derivative violations of the FCRA ( 15 U.S.C. 1681s-2 ) if any tradeline has been reported to consumer-reporting agencies without substantiation.\n\nThis conduct demonstrates : Violation of 15 U.S.C. 1692g ( b ) failure to cease collection pending validation ; Violation of 15 U.S.C. 1692e ( 2 ) ( A ) and ( 10 ) false, deceptive, or misleading representations concerning the character, amount, or legal status of the debt ; Violation of 15 U.S.C. 1692f ( 1 ) attempting to collect an amount not expressly authorized by agreement or permitted by law. \n\nXXXX actions constitute an abuse of process and a prima facie breach of statutory duty under the FDCPA. Its failure to furnish competent evidence of indebtedness renders the alleged balance legally unenforceable. The companys continued collection efforts without validation amount to bad-faith, willful non-compliance with federal law.","date_sent_to_company":"2025-10-27T02:01:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"16827588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"January Technologies, Inc","date_received":"2025-10-27T01:45:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This conduct demonstrates : Violation of 15 U.S.C. 1692g ( b ) failure to cease collection pending validation ; Violation of 15 U.S.C. 1692e ( 2 ) ( A ) and ( 10 ) false, deceptive, or <em>misleading</em> <em>representations</em> <em>concerning</em> the character, amount, or legal status of the <em>debt</em> ; Violation of 15 U.S.C. 1692f ( 1 ) attempting to collect an amount not expressly authorized by agreement or permitted by law."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[16.268133,"16827588"]},{"_index":"complaint-public-v1","_id":"13091566","_score":16.119934,"_source":{"product":"Debt collection","complaint_what_happened":"Resurgent Capital Services is attempting to collect on a debt that I do not recognize and have never been notified about through proper channels. I only became aware of the alleged debt after receiving a statement that lists an address I have never lived at, and which does not match the address Resurgent claims they originally mailed the initial debt notification to. \n\nThis is extremely concerning because I never received the legally required notice of debt ownership, and therefore I was not given a fair opportunity to dispute the debt within the time frame provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), which requires the debt collector to send a written notice of the debt within five days of initial contact, including information on how to dispute it.\n\nI later filed a written dispute with LVNV Funding LLC, at which point they obtained my correct address from that dispute letternot from any valid source or credit reporting system. This indicates that Resurgent had no legitimate way to contact me until I disputed the debt, making their original notification void and ineffective.\n\nDespite this, they are continuing collection efforts and possibly reporting this debt to the credit bureaus, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers of information from reporting inaccurate or incomplete data.\n\nAdditionally, this conduct may violate XXXX Revised Statutes XXXX, which governs unfair and deceptive acts or practices in debt collection, and XXXX  Unfair Trade Practices and Consumer Protection Law ( LUTPA ), La. R.S. 51:1401 et seq., which prohibits false or misleading representations in commerce.","date_sent_to_company":"2025-04-21T16:22:18.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"13091566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-21T16:14:55.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Additionally, this conduct may violate XXXX Revised Statutes XXXX, which governs unfair and deceptive acts or practices in <em>debt</em> collection, and XXXX  Unfair Trade Practices and Consumer Protection Law ( LUTPA ), La. R.S. 51:1401 et seq., which prohibits false or <em>misleading</em> <em>representations</em> in commerce."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"]},"sort":[16.119934,"13091566"]},{"_index":"complaint-public-v1","_id":"8721871","_score":15.822235,"_source":{"product":"Debt collection","complaint_what_happened":"As Of XX/XX/2024 LVNV FUNDING * CAN NOT provide me with sufficient documentary evidence that I have any legal obligation to pay them. AS OF XX/XX/2024 I ASK If this documentary evidence ( STILL ) can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations. rESURGENT/LVNV FUNDING CAN NOT PROVIDED THE DOCS FOR COLLATERAL THEY PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. RESURGENT/LVNV FUNDING ONLY PROVIDED STATEMENT/COPY OF BILL FROM BILLING OF XXXX XXXX XXXX, THIS DOESNT PROVIDED DETAILED INFORMATION THAT I HAVE AN DEBT OWED TO RESURGENT/LVNV FUNDING AND INCLUDING THIER SECURITIES AND COLLATERAL THEY DID NOT PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. AS STATED RESURGENT ON BEHALF OF LVNV FUNDING VIOLATED FDCPA LAWS THE THIRD PARTY FRAUDLENTY SHARED MY INFORMATION WITH LVNV FUNDING TO FURNISH ALLEDGED DEBT ONTO MY CONSUMER REPORT WHICH STRICLY VIOLATES 15 USC 1681 602 states I have the right to privacy. \n\n1692e. False or misleading representationsA 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 : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt Identity theft - meaning a fraud committed or attempted using the identifying information of another person without authority. It should be clear now that these items were added to my consumer credit report without my written consent and this is a case of Identity Theft. 15 USC 1681c ( 2 ) Blocking of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in a file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not latter than 4 business days after the date of receipt by such agency.","date_sent_to_company":"2024-04-09T01:57:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"22485","tags":null,"has_narrative":true,"complaint_id":"8721871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-04-09T01:36:48.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["AS STATED RESURGENT ON BEHALF OF LVNV FUNDING VIOLATED FDCPA LAWS THE THIRD PARTY FRAUDLENTY SHARED MY INFORMATION WITH LVNV FUNDING TO FURNISH ALLEDGED <em>DEBT</em> ONTO MY CONSUMER REPORT WHICH STRICLY VIOLATES 15 USC 1681 602 states I have the right to privacy. \n\n1692e. False or <em>misleading</em> <em>representations</em>A <em>debt</em> collector may not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[15.822235,"8721871"]},{"_index":"complaint-public-v1","_id":"9131560","_score":15.80438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to dispute and request the removal of the following account from my credit report due to continued inaccuracies : **Account Name : ** XXXX XXXX **Account Number : ** XXXX Despite previous disputes under the Fair Credit Reporting Act ( FCRA ), the credit bureaus continue to report inaccuracies related to this account. I request that the credit bureaus permanently remove this account from my credit report, as they have been unable to validate the charges properly during their investigation. \n\nI disputed this item on my credit file in XXXX and XXXX through phone, email, and standard mail, but the credit bureaus did not mark this as disputed, which is a violation of 15 U.S. Code 1681i. Additionally, no one validated the debt or sent me any correspondence regarding the debt. I was also told that if I paid, the account would be removed from my credit report, which it never was. \n\nDespite my previous disputes, TransUnion is still reporting inaccuracies in this account. The \" date paid '' does not match my records ; I paid earlier than the date mentioned. The payment history of the account is inaccurate, with payments and information differing from other credit bureaus. \n\n**Violations and Relevant Laws under FCRA and FDCPA : ** - **15 U.S. Code 1681e ( b ) : Accuracy of Report** Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion. \n\n- **15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy** - **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction** If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account. \n\n- **False or Misleading Representations ( 15 U.S. Code 1692e ) ** Making false promises or representations about removing debt from a credit report constitutes a violation of this section, specifically 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect a debt or obtain information concerning a consumer.\n\n- **Unfair Practices ( 15 U.S. Code 1692f ) ** Promising to send confirmation and failing to do so may also be considered an unfair practice under 1692f, which prohibits the use of unfair or unconscionable means to collect or attempt to collect a debt. \n\n- **Failure to Conduct a Reasonable Investigation ( 15 U.S. Code 1681s-2 ( b ) ) ** Thank you for your prompt attention to this matter.","date_sent_to_company":"2024-05-31T06:02:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"9131560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-31T05:47:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Code 1692e ) ** Making false promises or <em>representations</em> about removing <em>debt</em> from a credit report constitutes a violation of this section, specifically 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect a <em>debt</em> or obtain information <em>concerning</em> a consumer.\n\n- **Unfair Practices ( 15 U.S."]},"sort":[15.80438,"9131560"]},{"_index":"complaint-public-v1","_id":"12141860","_score":15.789067,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impac\n\nted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process. 1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status. \n\nFCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to \" re-age '' the debt to extend its negative impact violates this provision.\n\n2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.\n\n3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as \" written off '' while still treating it as active for collection purposes is inherently deceptive.\n\n4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.\n\n5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.\n\n-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.\n\nIssuance of a 1099-C if the debt has been officially canceled.\n\nRemoval of the misleading Profit and Loss Write-Off if the debt remains active and collectible. \n\nFull compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.","date_sent_to_company":"2025-02-19T12:46:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"12141860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T12:45:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This creates ambiguity over the <em>debt</em> 's legal status and violates IRS reporting requirements.\n\n3. False or <em>Misleading</em> Collection Practices FDCPA Violation If the lender <em>continues</em> to pursue collection after marking the <em>debt</em> as a Profit and Loss Write-Off, this could violate the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or <em>misleading</em> <em>representations</em> in the collection of <em>debts</em>."]},"sort":[15.789067,"12141860"]},{"_index":"complaint-public-v1","_id":"12128812","_score":15.782791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impacted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process. \n\n1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status.\n\nFCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to \" re-age '' the debt to extend its negative impact violates this provision.\n\n2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.\n\n3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as \" written off '' while still treating it as active for collection purposes is inherently deceptive.\n\n4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.\n\n5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.\n\n-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.\n\nIssuance of a 1099-C if the debt has been officially canceled.\n\nRemoval of the misleading Profit and Loss Write-Off if the debt remains active and collectible. \n\nFull compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.","date_sent_to_company":"2025-02-19T12:46:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"12128812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T12:45:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This creates ambiguity over the <em>debt</em> 's legal status and violates IRS reporting requirements.\n\n3. False or <em>Misleading</em> Collection Practices FDCPA Violation If the lender <em>continues</em> to pursue collection after marking the <em>debt</em> as a Profit and Loss Write-Off, this could violate the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or <em>misleading</em> <em>representations</em> in the collection of <em>debts</em>."]},"sort":[15.782791,"12128812"]},{"_index":"complaint-public-v1","_id":"12128736","_score":15.782791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impacted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process.\n\n1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status. \n\nFCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to \" re-age '' the debt to extend its negative impact violates this provision.\n\n2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.\n\n3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as \" written off '' while still treating it as active for collection purposes is inherently deceptive.\n\n4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.\n\n5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.\n\n-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.\n\nIssuance of a 1099-C if the debt has been officially canceled.\n\nRemoval of the misleading Profit and Loss Write-Off if the debt remains active and collectible. \n\nFull compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.","date_sent_to_company":"2025-02-19T12:46:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"12128736","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-19T12:45:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This creates ambiguity over the <em>debt</em> 's legal status and violates IRS reporting requirements.\n\n3. False or <em>Misleading</em> Collection Practices FDCPA Violation If the lender <em>continues</em> to pursue collection after marking the <em>debt</em> as a Profit and Loss Write-Off, this could violate the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or <em>misleading</em> <em>representations</em> in the collection of <em>debts</em>."]},"sort":[15.782791,"12128736"]},{"_index":"complaint-public-v1","_id":"14334178","_score":15.507315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent a formal dispute letter to PennyMac Loan Services , LLC regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official XXXX IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. \n\nThe transcript clearly reflects that PennyMac Loan Services , LLC issued a Form XXXX, which constitutes a cancellation of debt. Although I never received a copy of the XXXX directly from XXXX, its filing is documented in the IRS records XXXX and I have attached a copy of my XXXX Tax Transcript for your review. \n\nUnder IRS Publication XXXX and applicable regulations, the issuance of a Form XXXX signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. \n\nTheir conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; XXXX. XXXX XXXX XXXX XXXX which requires creditors to issue XXXX XXXX only when a debt has, in fact, been canceled. \n\nI received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. \n\nGiven the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require PennyMac Loan Services , LLC to comply with all applicable laws regarding discharged debts.","date_sent_to_company":"2025-06-27T19:57:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"14334178","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2025-06-27T19:41:34.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or <em>misleading</em> <em>representations</em> <em>concerning</em> the legal status of a <em>debt</em> ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; XXXX. XXXX XXXX XXXX XXXX which requires creditors to issue XXXX XXXX only when a <em>debt</em> has, in fact, been canceled."]},"sort":[15.507315,"14334178"]},{"_index":"complaint-public-v1","_id":"14327137","_score":15.507315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official 2023 IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. \n\nThe transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the 1099-C directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my 2023 Tax Transcript for your review.\n\nUnder IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. \n\nTheir conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. \n\nI received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. \n\nGiven the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.","date_sent_to_company":"2025-06-27T19:57:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"14327137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-27T19:57:20.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or <em>misleading</em> <em>representations</em> <em>concerning</em> the legal status of a <em>debt</em> ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a <em>debt</em> has, in fact, been canceled."]},"sort":[15.507315,"14327137"]},{"_index":"complaint-public-v1","_id":"14332870","_score":15.488396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official XXXX IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. \n\nThe transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the 1099-C directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my XXXX Tax Transcript for your review. \n\nUnder IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. \n\nTheir conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; XXXX. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. \n\nI received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. \n\nGiven the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.","date_sent_to_company":"2025-06-27T19:57:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"14332870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-27T19:57:20.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or <em>misleading</em> <em>representations</em> <em>concerning</em> the legal status of a <em>debt</em> ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; XXXX. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a <em>debt</em> has, in fact, been canceled."]},"sort":[15.488396,"14332870"]},{"_index":"complaint-public-v1","_id":"14332869","_score":15.456217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official XXXX IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. \n\nThe transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the XXXX directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my 2023 Tax Transcript for your review. \n\nUnder IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. \n\nTheir conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. \n\nI received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. \n\nGiven the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.","date_sent_to_company":"2025-06-27T19:57:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"14332869","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-27T19:57:20.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or <em>misleading</em> <em>representations</em> <em>concerning</em> the legal status of a <em>debt</em> ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a <em>debt</em> has, in fact, been canceled."]},"sort":[15.456217,"14332869"]},{"_index":"complaint-public-v1","_id":"15777234","_score":15.440492,"_source":{"product":"Debt collection","complaint_what_happened":"AmSher Collection Services , Inc. is furnishing an alleged debt under my name and Social Security number without proper notice or lawful validation. This is a violation of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).\n\nI am the beneficiary of my personal data and identifiers. AmSher is handling this property in commerce, which places them in a trustee/fiduciary role. Accordingly, I have filed IRS Form XXXX ( Notice Concerning Fiduciary Relationship ), naming AmSher as trustee. They are now on notice that they must account for their actions. \n\nDespite my written demand, AmSher has failed to provide proper validation of the debt. They have not produced : The original, signed contract or instrument creating the alleged obligation ; Lawful assignment proving ownership of the debt ; Documentary proof of compensation arrangements or IRS forms showing their role as a paid collector ; Compliance records under FDCPA 809 ( a ).\n\nInstead, they continue to report this unverified account to the credit bureaus. This is a violation of : FDCPA 807 ( 15 U.S.C. 1692e ) false and misleading representations ; FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverifiable information.\n\nI am requesting that the CFPB order AmSher to immediately : Cease all collection activity until full and lawful validation is provided ; Delete any and all inaccurate or unverifiable reporting from my credit profile.\n\nThis is not a refusal to pay ; this is a demand for compliance with federal law and fiduciary obligations. AmSher is acting as trustee over my property without proper authority, and I am asserting my rights as beneficiary.","date_sent_to_company":"2025-09-07T18:19:08.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"15777234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2025-09-07T18:14:32.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Accordingly, I have filed IRS Form XXXX ( Notice <em>Concerning</em> Fiduciary Relationship ), naming AmSher as trustee. They are now on notice that they must account for their actions. \n\nDespite my written demand, AmSher has failed to provide proper validation of the <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[15.440492,"15777234"]},{"_index":"complaint-public-v1","_id":"17113577","_score":15.418988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing your continued reporting and representation of the below-referenced account as a charge-off while simultaneously treating it as an active, collectible debt. \n\nAccount Number : XXXX Once an account is charged-off, it is legally and financially recognized as uncollectible and written off your companys books. This status has legal implications that can not be undone by creative accounting or data furnishing. Specifically : XXXX. Your company has reported to the federal government that the account is no longer collectible. \nXXXX. You may have received tax deductions or credits under the Internal Revenue Code ( IRC ) for claiming the loss. \nXXXX. The account ceases to be an asset once written off, meaning continued representation of ownership or collectible value is false and misleading. \n\nUnder Generally Accepted Accounting Principles ( GAAP ) and federal law, a charged-off debt can not simultaneously be a collectible asset. Attempting to treat it as both constitutes a misrepresentation of financial position and an abuse of federal tax procedure. \nBy continuing to report, sell, or attempt to collect on this debt after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : 1. 15 U.S.C. 1692e Fair Debt Collection Practices Act ( FDCPA ) : Prohibits false or misleading representations concerning the character, amount, or legal status of any debt.\n\n2. 15 U.S.C. 1681s-2 Fair Credit Reporting Act ( FCRA ) : Requires furnishers to report only complete and accurate information.\n\n3. 26 U.S.C. 7206 ( 1 ) : Makes it a federal offense to willfully make and subscribe to any return, statement, or document verified under penalty of perjury that one does not believe to be true and correct as to every material matter which may apply if your company misreports written-off accounts for tax benefit while also claiming them as collectible.\n\n4. 18 U.S.C. 1341 and 1343 Mail and Wire Fraud : Prohibit schemes to defraud through the use of interstate communications, which can include the misrepresentation of charged-off debts for financial gain.\n\n5. 26 U.S.C. 6050P : Requires reporting of any canceled or discharged debt to the IRS through issuance of a Form 1099-C to the debtor. Failure to do so while continuing collection efforts may constitute a willful attempt to obscure the tax status of the alleged debt. \nMisrepresenting a charged-off account as collectible is not only a violation of consumer law it is potentially trust fraud and tax fraud. It undermines the integrity of financial reporting and effectively transfers your tax burden onto the consumer. \n\nTherefore, I am requesting the following actions be taken immediately : XXXX. Cease and desist from all collection activity, reporting, or sale of this charged-off account. \nXXXX. Provide written verification and documentation showing whether a Form 1099-C was filed with the IRS in accordance with 26 U.S.C. 6050P. \nXXXX. Correct or delete any inaccurate or misleading information furnished to the credit reporting agencies. \nProvide a written response confirming your compliance within 30 days as required by law. \nBe advised : Continued misrepresentation or concealment of the true status of this account will result in immediate escalation to the Federal Trade Commission ( FTC ), Internal Revenue Service ( IRS ), and the State Attorney Generals Office for investigation into potential tax, trust, and consumer law violations.","date_sent_to_company":"2025-11-08T18:28:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"17113577","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-08T18:19:17.000Z","state":"DE","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["By <em>continuing</em> to report, sell, or attempt to collect on this <em>debt</em> after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : 1. 15 U.S.C. 1692e Fair <em>Debt</em> Collection Practices Act ( FDCPA ) : Prohibits false or <em>misleading</em> <em>representations</em> <em>concerning</em> the character, amount, or legal status of any <em>debt</em>.\n\n2. 15 U.S.C. 1681s-2 Fair Credit Reporting Act ( FCRA ) : Requires furnishers to report only complete and accurate information.\n\n3. 26 U.S.C. 7206"]},"sort":[15.418988,"17113577"]},{"_index":"complaint-public-v1","_id":"17112910","_score":15.413851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing your continued reporting and representation of the below-referenced account as a charge-off while simultaneously treating it as an active, collectible debt. \n\nAccount XXXX : XXXX Once an account is charged-off, it is legally and financially recognized as uncollectible and written off your companys books. This status has legal implications that can not be undone by creative accounting or data furnishing. Specifically : XXXX. Your company has reported to the federal government that the account is no longer collectible.\n\n2. You may have received tax deductions or credits under the XXXX XXXX XXXX ( XXXX ) for claiming the loss. \nXXXX. The account ceases to be an asset once written off, meaning continued representation of ownership or collectible value is false and misleading. \n\nUnder Generally Accepted Accounting Principles ( GAAP ) and federal law, a charged-off debt can not simultaneously be a collectible asset. Attempting to treat it as both constitutes a misrepresentation of financial position and an abuse of federal tax procedure. \nBy continuing to report, sell, or attempt to collect on this debt after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : 1. 15 U.S.C. 1692e Fair Debt Collection Practices Act ( FDCPA ) : Prohibits false or misleading representations concerning the character, amount, or legal status of any debt.\n\n2. 15 U.S.C. 1681s-2 Fair Credit Reporting Act\n( FCRA ) : Requires furnishers to report only complete and accurate information.\n\n3. 26 U.S.C. 7206 ( 1 ) : Makes it a federal offense to willfully make and subscribe to any return, statement, or document verified under penalty of perjury that one does not believe to be true and correct as to every material matter which may apply if your company misreports written-off accounts for tax benefit while also claiming them as collectible.\n\n4. 18 U.S.C. 1341 and 1343 Mail and XXXX XXXX : Prohibit schemes to defraud through the use of interstate communications, which can include the misrepresentation of charged-off debts for financial gain.\n\n5. 26 U.S.C. 6050P : Requires reporting of any canceled or discharged debt to the IRS through issuance of a Form 1099-C to the debtor. Failure to do so while continuing collection efforts may constitute a willful attempt to obscure the tax status of the alleged debt. \n\nMisrepresenting a charged-off account as collectible is not only a violation of consumer law it is potentially trust fraud and tax fraud. It undermines the integrity of financial reporting and effectively transfers your tax burden onto the consumer. \n\nTherefore, I am requesting the following actions be taken immediately : 1. Cease and desist from all collection activity, reporting, or sale of this charged-off account.\n\n2. Provide written verification and documentation showing whether a Form 1099-C was filed with the IRS in accordance with 26 U.S.C. 6050P.\n\n3. Correct or delete any inaccurate or misleading information furnished to the credit reporting agencies. \nProvide a written response confirming your compliance within 30 days as required by law. \nBe advised : Continued misrepresentation or concealment of the true status of this account will result in immediate escalation to the Federal Trade Commission ( FTC ), Internal Revenue Service ( IRS ), and the State Attorney Generals Office for investigation into potential tax, trust, and consumer law violations.","date_sent_to_company":"2025-11-08T18:51:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"17112910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-08T18:45:43.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["By <em>continuing</em> to report, sell, or attempt to collect on this <em>debt</em> after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : 1. 15 U.S.C. 1692e Fair <em>Debt</em> Collection Practices Act ( FDCPA ) : Prohibits false or <em>misleading</em> <em>representations</em> <em>concerning</em> the character, amount, or legal status of any <em>debt</em>.\n\n2. 15 U.S.C. 1681s-2 Fair Credit Reporting Act\n( FCRA ) : Requires furnishers to report only complete and accurate information.\n\n3. 26 U.S.C. 7206"]},"sort":[15.413851,"17112910"]},{"_index":"complaint-public-v1","_id":"16772019","_score":15.413851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing your continued reporting and representation of the below-referenced account XXXX as a charge-off while simultaneously treating it as an active, collectible debt. \n\nOnce an account is charged-off, it is legally and financially recognized as uncollectible and written off your companys books. This status has legal implications that can not be undone by creative accounting or data furnishing. Specifically : Your company has reported to the federal government that the account is no longer collectible. \n\nYou may have received tax deductions or credits under the Internal Revenue Code ( IRC ) for claiming the loss. \n\nThe account ceases to be an asset once written off, meaning continued representation of ownership or collectible value is false and misleading. \n\nUnder Generally Accepted Accounting Principles ( GAAP ) and federal law, a charged-off debt can not simultaneously be a collectible asset. Attempting to treat it as both constitutes a misrepresentation of financial position and an abuse of federal tax procedure. \n\nBy continuing to report, sell, or attempt to collect on this debt after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : XXXX. 15 U.S.C. 1692e Fair Debt Collection Practices Act ( FDCPA ) : Prohibits false or misleading representations concerning the character, amount, or legal status of any debt. \nXXXX. 15 U.S.C. 1681s-2 Fair Credit Reporting Act ( FCRA ) : Requires furnishers to report only complete and accurate information. \nXXXX. 26 U.S.C. 7206 ( 1 ) : Makes it a federal offense to willfully make and subscribe to any return, statement, or document verified under penalty of perjury that one does not believe to be true and correct as to every material matter which may apply if your company misreports written-off accounts for tax benefit while also claiming them as collectible. \nXXXX. 18 U.S.C. 1341 and 1343 Mail and Wire Fraud : Prohibit schemes to defraud through the use of interstate communications, which can include the misrepresentation of charged-off debts for financial gain. \nXXXX. 26 U.S.C. 6050P : Requires reporting of any canceled or discharged debt to the IRS through issuance of a Form XXXX to the debtor. Failure to do so while continuing collection efforts may constitute a willful attempt to obscure the tax status of the alleged debt. \n\nMisrepresenting a charged-off account as collectible is not only a violation of consumer law it is potentially trust fraud and tax fraud. It undermines the integrity of financial reporting and effectively transfers your tax burden onto the consumer. \n\nTherefore, I am requesting the following actions be taken immediately : XXXX. Cease and desist from all collection activity, reporting, or sale of this charged-off account. \nXXXX. Provide written verification and documentation showing whether a Form XXXX was filed with the IRS in accordance with 26 U.S.C. 6050P. \nXXXX. Correct or delete any inaccurate or misleading information furnished to the credit reporting agencies. \n\nProvide a written response confirming your compliance within XXXX  days as required by law. \n\nBe advised : Continued misrepresentation or concealment of the true status of this account will result in immediate escalation to the Federal Trade Commission ( FTC ), Internal Revenue Service ( IRS ), and the State Attorney Generals Office for investigation into potential tax, trust, and consumer law violations.","date_sent_to_company":"2025-10-24T04:27:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19802","tags":null,"has_narrative":true,"complaint_id":"16772019","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-10-24T04:23:42.000Z","state":"DE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["By <em>continuing</em> to report, sell, or attempt to collect on this <em>debt</em> after charging it off, your company may be engaging in conduct that violates multiple federal statutes, including : XXXX. 15 U.S.C. 1692e Fair <em>Debt</em> Collection Practices Act ( FDCPA ) : Prohibits false or <em>misleading</em> <em>representations</em> <em>concerning</em> the character, amount, or legal status of any <em>debt</em>. \nXXXX. 15 U.S.C. 1681s-2 Fair Credit Reporting Act ( FCRA ) : Requires furnishers to report only complete and accurate information."]},"sort":[15.413851,"16772019"]},{"_index":"complaint-public-v1","_id":"13438358","_score":15.379219,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this as a follow-up to my original complaint concerning Portfolio Recovery Associates , LLC ( XXXX ) and its continued furnishing of information regarding a disputed tradeline ( account ending in XXXX ) after I had issued a clear refusal to pay. \n\nIn XXXX XX/XX/year>, response, they state : We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. \n\nYet despite this representation, the tradeline continues to appear on my credit reports. \n\nThis raises a fundamental concern : if XXXX has ceased all communications, why is it continuing to report the account? Credit reporting is a communication with consumer reporting agencies that functions as a powerful tool of collection. Courts and regulators have acknowledged that furnishing derogatory credit information is often intended to pressure consumers to pay. At minimum, it maintains reputational damage that would not otherwise exist but for the collectors choice to continue updating or maintaining the tradeline. \n\nThe contradiction here is not trivial. XXXX can not have it both waysclaiming to have ceased communication under 15 U.S.C. 1692c ( c ), while simultaneously engaging in activity that is functionally and legally understood to be a communication related to the debt. The result is ongoing consumer harm despite the collectors formal assertion that it is no longer pursuing the account. \n\nMoreover, XXXX  position that validation was provided and resolved the dispute is not supported by the content of the XX/XX/year>, documentation, which failed to provide meaningful verification and did not cure the central issue : the disputed tradeline remains inaccurate and continues to harm my credit profile. \n\nI am documenting this as an individual consumer who has experienced what appears to be evasive or inconsistent collection practices. While I understand that the Bureau may not intervene on every single complaint, I believe this case reflects a microcosm of a broader pattern where debt collectors : Make facially compliant but functionally misleading representations, Continue collecting via indirect methods after a 1692c ( c ) refusal, Use credit furnishing as leverage despite asserting they've ceased communication. \n\nI hope this submission will aid the CFPB in recognizing behavioral patterns across complaints and furnish relevant insights for your supervisory role. Thank you for maintaining a forum where consumers can flag these contradictions.","date_sent_to_company":"2025-05-09T23:27:22.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"37086","tags":null,"has_narrative":true,"complaint_id":"13438358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-09T23:14:25.000Z","state":"TN","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["While I understand that the Bureau may not intervene on every single complaint, I believe this case reflects a microcosm of a broader pattern where <em>debt</em> collectors : Make facially compliant but functionally <em>misleading</em> <em>representations</em>, <em>Continue</em> collecting via indirect methods after a 1692c ( c ) refusal, Use credit furnishing as leverage despite asserting they've ceased communication."],"product":["<em>Debt</em> collection"],"sub_product":["Other <em>debt</em>"]},"sort":[15.379219,"13438358"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":391,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":391}]}},"product":{"doc_count":391,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":207,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":207}]}},{"key":"Debt collection","doc_count":126,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":41},{"key":"I do not know","doc_count":34},{"key":"Other debt","doc_count":16},{"key":"Mortgage debt","doc_count":8},{"key":"Auto debt","doc_count":7},{"key":"Telecommunications debt","doc_count":5},{"key":"Medical debt","doc_count":4},{"key":"Rental debt","doc_count":4},{"key":"Federal student loan debt","doc_count":2},{"key":"Payday loan debt","doc_count":2},{"key":"Medical","doc_count":1},{"key":"Mortgage","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":24}]}},{"key":"Credit card","doc_count":10,"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":10}]}},{"key":"Student loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3},{"key":"Private student loan","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4},{"key":"Lease","doc_count":1}]}},{"key":"Checking or savings account","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":3},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Title loan","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":2,"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":2}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":2}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":391,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":90,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":84},{"key":"Credit inquiries on your report that you don't recognize","doc_count":6}]}},{"key":"Incorrect information on your report","doc_count":77,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":43},{"key":"Account status incorrect","doc_count":17},{"key":"Information belongs to someone else","doc_count":11},{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Public record information inaccurate","doc_count":2},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":59,"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":44},{"key":"Was not notified of investigation status or results","doc_count":10},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Investigation took more than 30 days","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":48,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":29},{"key":"Debt was paid","doc_count":10},{"key":"Debt was result of identity theft","doc_count":8},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1}]}},{"key":"Written notification about debt","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":13},{"key":"Didn't receive notice of right to dispute","doc_count":9},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":14},{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Seized or attempted to seize your property","doc_count":3},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":15},{"key":"Indicated you were committing crime by not paying debt","doc_count":2},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":10,"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":7},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Communication tactics","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":3},{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"You told them to stop contacting you, but they keep trying","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":2},{"key":"Don't agree with the fees charged","doc_count":1}]}},{"key":"Fees or interest","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unexpected increase in interest rate","doc_count":2},{"key":"Problem with fees","doc_count":1}]}},{"key":"Electronic communications","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Used obscene, profane, or other abusive language","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem while selling or giving up the vehicle","doc_count":1},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company communicating payment assistance or payment extension options","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1},{"key":"Contacted your employer","doc_count":1}]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Issue where my lender is my school","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Issues with fees connected to the loan","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"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}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive the money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":391,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":384},{"key":"No","doc_count":7}]}},"company_response":{"doc_count":391,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":280},{"key":"Closed with non-monetary relief","doc_count":109},{"key":"Untimely response","doc_count":2}]}},"submitted_via":{"doc_count":391,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":391}]}},"company":{"doc_count":391,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":71},{"key":"EQUIFAX, INC.","doc_count":63},{"key":"Experian Information Solutions Inc.","doc_count":63},{"key":"Portfolio Recovery Associates, LLC","doc_count":13},{"key":"Resurgent Capital Services L.P.","doc_count":13},{"key":"SYNCHRONY FINANCIAL","doc_count":13},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":5},{"key":"JPMORGAN CHASE & CO.","doc_count":5},{"key":"DISCOVER BANK","doc_count":4},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":4},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":3},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"Colony Brands, Inc.","doc_count":3},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3},{"key":"Nelnet, Inc.","doc_count":3},{"key":"TRANSWORLD SYSTEMS INC","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"Affirm Holdings, Inc","doc_count":2},{"key":"Amsher Collection Services, Inc.","doc_count":2},{"key":"Bridgecrest Acceptance Corporation","doc_count":2},{"key":"CCS Financial Services, Inc.","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"CL Holdings LLC","doc_count":2},{"key":"Credit Control, LLC","doc_count":2},{"key":"Early Warning Services, LLC","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"Kriya Capital, LLC","doc_count":2},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":2},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":2},{"key":"Radius Global Solutions LLC","doc_count":2},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"ACIMA CREDIT, LLC","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Absolute Resolutions Corp.","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"Allied Consulting Services LLC","doc_count":1},{"key":"Andreu, Palma & Andreu, PL","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"CarMax, Inc.","doc_count":1},{"key":"Climb Credit Inc.","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Repair Anywhere","doc_count":1},{"key":"Diverse Funding Associates LLC","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"ERC","doc_count":1},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":1},{"key":"Evans & Mullinix, PA","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Grant & Weber","doc_count":1},{"key":"Home Point Financial Corporation","doc_count":1},{"key":"Idaho Housing And Finance Association","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"Io, Inc.","doc_count":1},{"key":"Jacob Law Group, PLLC","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"Kirschenbaum & Phillips P.C","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"Larsen & Associates, P.L.","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lendsmart, Inc.","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"McKenzie Paul & Associates","doc_count":1},{"key":"Medical & Professional Collection Services, Inc. NC.","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"Mountain Run Solutions, LLC","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NEXBANK CAPITAL, INC.","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"PLANET HOME LENDING, LLC","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Paramount Recovery Systems, L.P.","doc_count":1},{"key":"Patenaude & Felix A Professional Corporation","doc_count":1},{"key":"Possible Financial Inc","doc_count":1},{"key":"Quality Loan Service Corporation","doc_count":1},{"key":"Ratchford Law Group, P.C.","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"SCA Collections, Inc.","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"United Accounts, Inc.","doc_count":1},{"key":"VYSTAR CREDIT UNION","doc_count":1},{"key":"Waypoint Resource Group, LLC","doc_count":1},{"key":"Williams & Fudge, Inc","doc_count":1},{"key":"World Acceptance Corporation","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":391,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":61},{"key":"FL","doc_count":57},{"key":"CA","doc_count":50},{"key":"NY","doc_count":30},{"key":"MI","doc_count":28},{"key":"MS","doc_count":22},{"key":"TX","doc_count":22},{"key":"SC","doc_count":17},{"key":"TN","doc_count":11},{"key":"NV","doc_count":10},{"key":"MO","doc_count":8},{"key":"PA","doc_count":8},{"key":"IL","doc_count":7},{"key":"MA","doc_count":7},{"key":"NC","doc_count":6},{"key":"VA","doc_count":5},{"key":"WI","doc_count":5},{"key":"DE","doc_count":4},{"key":"IN","doc_count":3},{"key":"KY","doc_count":3},{"key":"LA","doc_count":3},{"key":"NJ","doc_count":3},{"key":"OH","doc_count":3},{"key":"RI","doc_count":3},{"key":"DC","doc_count":2},{"key":"MD","doc_count":2},{"key":"UT","doc_count":2},{"key":"AL","doc_count":1},{"key":"AR","doc_count":1},{"key":"CT","doc_count":1},{"key":"IA","doc_count":1},{"key":"MN","doc_count":1},{"key":"NH","doc_count":1},{"key":"NM","doc_count":1},{"key":"OK","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":391,"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":179},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":21},{"key":"Company disputes the facts presented in the complaint","doc_count":4},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1}]}},"tags":{"doc_count":391,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":30},{"key":"Older American","doc_count":8},{"key":"Older American, Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.379219,"13438358"],"3":[14.416346,"8558043"],"4":[13.71158,"1428920"],"5":[12.428295,"16996817"],"6":[11.3206625,"8450110"],"7":[10.853394,"22208230"],"8":[10.032383,"12712706"]}}}