{"took":1567,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1074,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6792847","_score":21.724781,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. \n\nAct at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.","date_sent_to_company":"2023-04-04T19:40:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"6792847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2023-04-04T19:34:21.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The Fair <em>Debt</em> Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), <em>which</em> became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair <em>debt</em> collection practices. \n\nAct at 15 USC 1692e 807 False or <em>Misleading</em> <em>Representations</em>, <em>which</em> <em>states</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>."]},"sort":[21.724781,"6792847"]},{"_index":"complaint-public-v1","_id":"4550915","_score":19.877735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted numerous reports about inaccuracies on my report I have not been notified or updated on any reports from XXXX equifax oXXXX XXXX the original contract is not in my name or is my signature failure to comply to my dispute request is violation of the fair credit reporting act also by not acknowledging my claim this is a violation of the fdcpa which states 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Please remove these inaccuracies on my report immediately","date_sent_to_company":"2021-07-16T06:10:03.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"06513","tags":null,"has_narrative":true,"complaint_id":"4550915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-16T05:58:50.000Z","state":"CT","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["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>. Please remove these inaccuracies on my report immediately"]},"sort":[19.877735,"4550915"]},{"_index":"complaint-public-v1","_id":"5364386","_score":19.509665,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Navy Federal Credit Union is in direct violation of 15 U.S. Code 1692e false or misleading representations, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public debt obligation guaranteed by United States to repay. \nNFCU is operating above the law and deliberately interfering with commerce which is causing harm and injury. And using false and misleading practices. When I log into the account online its says this information is not a attempt to collect a debt on the Home Screen. When I click the credit card a new screen opens and it says your one Payment pass due and available credit is {$0.00}. Clearly this is misleading, deceptive and theft, blocking of account credit which should be open end is definitely interfering with commerce All rights are reserved without prejudice.","date_sent_to_company":"2022-03-24T18:07:42.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5364386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-03-24T17:21:12.000Z","state":null,"company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Code 1692e false or <em>misleading</em> <em>representations</em>, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public <em>debt</em> obligation guaranteed by United <em>States</em> to repay. \nNFCU is operating above the law and deliberately interfering with commerce <em>which</em> is causing harm and injury. And using false and <em>misleading</em> practices. When I log into the account online its says this information is not a attempt to collect a <em>debt</em> on the Home Screen."],"sub_issue":["Confusing or <em>misleading</em> advertising about the credit card"]},"sort":[19.509665,"5364386"]},{"_index":"complaint-public-v1","_id":"5049226","_score":19.11461,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX I received a notice in the mail from NCB Management services stating that it was an attempt to collect a debt. The letter also had a logo and/or symbol on it. Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information which states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. That is a XXXX $ violation pursuant to 15 USC 1692k -Civil Liability. This letter also stated that they have different payment options for me to pay them. This is misleading because I never validated the debt. This is a violation of 15 USC 1692e-False and misleading representations which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have proof of this document attached. this company is also communicating with me indirectly through other companies such as credit reporting agencies after I sent them a cease and desist this is a violation of 15 USC 1692c ( C ) ceasing communication which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt","date_sent_to_company":"2021-12-29T00:44:48.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"38128","tags":null,"has_narrative":true,"complaint_id":"5049226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2021-12-28T23:08:10.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This is <em>misleading</em> because I never validated the <em>debt</em>. This is a violation of 15 USC 1692e-False and <em>misleading</em> <em>representations</em> <em>which</em> <em>states</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":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[19.11461,"5049226"]},{"_index":"complaint-public-v1","_id":"7655757","_score":18.626595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Equifax and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.\n\nUnder 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.\n\nUnder 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..\n\nUnder 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.\n\nThey are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.\n\nThis account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXXXXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. \n\nThis account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.","date_sent_to_company":"2023-10-06T22:34:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"7655757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-06T22:15:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1692e, entitled False or <em>Misleading</em> <em>Representations</em>, <em>which</em> <em>states</em> that a <em>debt</em> collector may not use any false, deceptive, or <em>misleading</em> representation I would like to demand the XXXX XXXX XXXX stop reporting this account on my credit report because they are injuring my credit profile and violating my rights."]},"sort":[18.626595,"7655757"]},{"_index":"complaint-public-v1","_id":"7655808","_score":18.59515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Transunion and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.\n\nUnder 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.\n\nUnder 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..\n\nUnder 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.\n\nThey are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.\n\nThis account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. \n\nThis account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.","date_sent_to_company":"2023-10-06T22:45:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"7655808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-06T22:37:24.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1692e, entitled False or <em>Misleading</em> <em>Representations</em>, <em>which</em> <em>states</em> that a <em>debt</em> collector may not use any false, deceptive, or <em>misleading</em> representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights."]},"sort":[18.59515,"7655808"]},{"_index":"complaint-public-v1","_id":"4812236","_score":18.556267,"_source":{"product":"Debt collection","complaint_what_happened":"I have never signed an agreement with this creditor ..This is not the original creditor. I was never 30 days late. This Account is Duplicate US Code 1962e FALSE AND MISLEADING REPRESENTATIONS US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.","date_sent_to_company":"2021-10-15T15:42:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"4812236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Phoenix Recovery Group","date_received":"2021-10-15T15:26:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This Account is Duplicate US Code 1962e FALSE AND <em>MISLEADING</em> <em>REPRESENTATIONS</em> US Code Notes 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_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> was paid"]},"sort":[18.556267,"4812236"]},{"_index":"complaint-public-v1","_id":"7369517","_score":18.352665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Experian, In accordance with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C. 1681 section 602 states, I have a right to privacy. \n\nUnder 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.. \n\nUnder 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights. \n\nThey are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. \n\nThis account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what is an initial late {$310.00} fee and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor XXXX XXXX XXXX to try to collect the initial late fee late {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. \n\nThis account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear. \n\nPlease Permanently delete it from my credit report because this account has fraudulent charges being reported that do not belong to me. The law is clear and well establish. Under 15 U.S.C. 1681 section 602 states, I have a right to privacy and Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.","date_sent_to_company":"2023-08-08T18:22:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"7369517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-08T18:13:45.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1692e, entitled False or <em>Misleading</em> <em>Representations</em>, <em>which</em> <em>states</em> that a <em>debt</em> collector may not use any false, deceptive, or <em>misleading</em> representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights."]},"sort":[18.352665,"7369517"]},{"_index":"complaint-public-v1","_id":"12826332","_score":18.291128,"_source":{"product":"Debt collection","complaint_what_happened":"In Accordance To the violation to Both 16 USC 1692 refers to a section of the United States Code, specifically Title 15, which deals with the Fair Debt Collection Practices Act ( FDCPA ), in addition too 15 U.S. Code 1692e - False or misleading representations After going through a financial Hardship I notified my card company to reactivate my protection benefits I was told to pay my minimum amount and than it would be reactivated though it never was which resulted in them providing false information to the collection company of non payment The failure to notify me with XXXX the debt is owe by an ex partner but neither of us is responsible for it on account of the forceful nature of the company charge off with not further consideration for contact","date_sent_to_company":"2025-04-04T10:50:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"12826332","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-04T09:50:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In Accordance To the violation to Both 16 USC 1692 refers to a section of the United <em>States</em> Code, specifically Title 15, <em>which</em> deals with the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), in addition too 15 U.S."],"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":[18.291128,"12826332"]},{"_index":"complaint-public-v1","_id":"6703471","_score":17.949844,"_source":{"product":"Debt collection","complaint_what_happened":"Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.\n\na ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.\n\n( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.\n\nThis company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.\n\nDuties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.","date_sent_to_company":"2023-03-16T17:26:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"6703471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-03-16T16:46:45.000Z","state":"AL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} <em>debt</em>. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or <em>misleading</em> <em>representations</em> U.S. Code Notes 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> is not yours"]},"sort":[17.949844,"6703471"]},{"_index":"complaint-public-v1","_id":"4014339","_score":17.804598,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA 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 : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\nThe attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.","date_sent_to_company":"2020-12-15T11:36:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33952","tags":"Servicemember","has_narrative":true,"complaint_id":"4014339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-12-15T11:09:03.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["False or <em>misleading</em> <em>representations</em>. USAA may not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the <em>debt</em> collector is vouched for, bonded by, or affiliated with the United <em>States</em> or any State, including the use of any badge, uniform, or facsimile thereof."]},"sort":[17.804598,"4014339"]},{"_index":"complaint-public-v1","_id":"2931013","_score":17.769138,"_source":{"product":"Debt collection","complaint_what_happened":"It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. \n15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. \nIt feel like BB & T being discriminate against me because I am XXXX","date_sent_to_company":"2018-06-08T21:49:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32817","tags":null,"has_narrative":true,"complaint_id":"2931013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2018-06-08T21:43:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["It seem like BB & T use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>. \n15 U.S. Code 1692e - 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_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.769138,"2931013"]},{"_index":"complaint-public-v1","_id":"7479814","_score":17.691063,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023 I decided to check my XXXX XXXX Credit Report and I noticed a medical collection on there. The Collection agency name is called Medical Revenue Service. When I saw the negative mark on my credit report I notice where it said \" Loan Type '' it clearly states Collection Agency/Attorney. This is illegal under FDCPA rule 15 USC 1692e ( 3 ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 3 ) Which states. The false representation or implication that any individual is an attorney or that any communication is from an attorney. \n\nThis collection agency is representing themselves as a Attorney to collect a debt from me which is not allowed PERIOD!! \n\nAlso under FDCPA rule 15 USC 1692b ( 5 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. \n\nIn the letter I enclosed it clearly states Medical Revenue Service is a debt collector. We are trying to collect a debt on behalf of XXXX XXXX. We will use any information obtained to collect this debt. There clearly stating there in the debt collection business if they wasn't they would not be trying to collect this alleged debt from me. I believe i should be rewarded {$1000.00} on each violation that was broken so {$2000.00} total.","date_sent_to_company":"2023-08-30T07:58:05.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"30060","tags":null,"has_narrative":true,"complaint_id":"7479814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Data Systems, Inc.","date_received":"2023-08-30T06:57:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["When I saw the negative mark on my credit report I notice where it said \" Loan Type '' it clearly <em>states</em> Collection Agency/Attorney. This is illegal under FDCPA rule 15 USC 1692e ( 3 ) 807. 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>. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 3 ) <em>Which</em> <em>states</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"]},"sort":[17.691063,"7479814"]},{"_index":"complaint-public-v1","_id":"6203924","_score":17.671638,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2015 CREDIT ACCEPTANCE CORP furnished a loan under account number XXXX with a balance of {$4200.00}. In addition to that, they have violated my FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) consumer rights ( XXXX ) False or Misleading Representations ; I have disputed this account due to their inaccurate reporting in which they were asked to produce an original copy of the document bearing my signature stating that I'm indebted to them and they have not ; in addition to that, the FTC ( FEDERAL TRADES COMMISSION ) stated that abbreviating or truncating information of any kind is considered inaccurate and unverifiable in which the FCRA ( FAIR CREDIT REPORTING ACT ) states an account shall be removed if it is considered Inaccurate, Unfair, or Unverifiable.","date_sent_to_company":"2022-11-14T05:28:21.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"23225","tags":null,"has_narrative":true,"complaint_id":"6203924","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2022-11-14T04:50:11.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["and unverifiable in <em>which</em> the FCRA ( FAIR CREDIT REPORTING ACT ) <em>states</em> an account shall be removed if it is considered Inaccurate, Unfair, or Unverifiable."]},"sort":[17.671638,"6203924"]},{"_index":"complaint-public-v1","_id":"6074649","_score":17.61085,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.\n\nall three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.","date_sent_to_company":"2022-10-11T23:20:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"6074649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-11T23:20:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>misleading</em> information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F <em>WHICH</em> <em>STATES</em> 1006.18 False, deceptive, or <em>misleading</em> <em>representations</em> or means. ( a ) In general. A <em>debt</em> collector must not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section."]},"sort":[17.61085,"6074649"]},{"_index":"complaint-public-v1","_id":"6074644","_score":17.5875,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.\n\nall three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.","date_sent_to_company":"2022-10-11T23:20:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"6074644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-11T23:20:05.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>misleading</em> information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F <em>WHICH</em> <em>STATES</em> 1006.18 False, deceptive, or <em>misleading</em> <em>representations</em> or means. ( a ) In general. A <em>debt</em> collector must not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section."]},"sort":[17.5875,"6074644"]},{"_index":"complaint-public-v1","_id":"6073853","_score":17.58417,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This agency XXXX XXXX has been inaccurately reporting different balances to the credit bureaus as well as reporting themselves as an XXXX XXXXXXXX. This misleading information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. \n\nall three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.","date_sent_to_company":"2022-10-11T23:19:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"6073853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-11T23:12:28.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>misleading</em> information is showing I owe way more than what was agreed on the account. THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F <em>WHICH</em> <em>STATES</em> 1006.18 False, deceptive, or <em>misleading</em> <em>representations</em> or means. ( a ) In general. A <em>debt</em> collector must not use any false, deceptive, or <em>misleading</em> representation or means in connection with the collection of any <em>debt</em>, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section."]},"sort":[17.58417,"6073853"]},{"_index":"complaint-public-v1","_id":"4812151","_score":17.43476,"_source":{"product":"Debt collection","complaint_what_happened":"I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.","date_sent_to_company":"2021-10-15T15:25:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"4812151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-10-15T15:06:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and <em>Misleading</em> <em>Representations</em>. US Code notes 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 paid"]},"sort":[17.43476,"4812151"]},{"_index":"complaint-public-v1","_id":"4810488","_score":17.416998,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To XXXX XXXX regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\nSection 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty","date_sent_to_company":"2021-10-27T13:59:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"290XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4810488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-14T10:48:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Code 1692e.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>."]},"sort":[17.416998,"4810488"]},{"_index":"complaint-public-v1","_id":"4809147","_score":17.349905,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. \n( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. \n\nSection 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty","date_sent_to_company":"2021-10-14T10:48:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"290XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4809147","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2021-10-14T10:26:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Code 1692e.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>."]},"sort":[17.349905,"4809147"]},{"_index":"complaint-public-v1","_id":"5401432","_score":17.286606,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act XXXX  Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.\n\n15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.\n\n15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.","date_sent_to_company":"2022-04-03T23:32:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44108","tags":"Servicemember","has_narrative":true,"complaint_id":"5401432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-03T22:54:37.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["1692e-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>. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any <em>debt</em>. This <em>debt</em> is reporting falsely.\n\n15 U.S. Code?"]},"sort":[17.286606,"5401432"]},{"_index":"complaint-public-v1","_id":"5401435","_score":17.229626,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act XXXX  Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. \n\n15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.\n\n15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.\n\n15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.","date_sent_to_company":"2022-04-03T23:32:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44108","tags":"Servicemember","has_narrative":true,"complaint_id":"5401435","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-03T23:32:14.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["1692e-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>. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any <em>debt</em>. This <em>debt</em> is reporting falsely.\n\n15 U.S. Code?"]},"sort":[17.229626,"5401435"]},{"_index":"complaint-public-v1","_id":"5038580","_score":17.187063,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX, give authorization for AMSHER CREDIT COLLECTION to move forward with this complaint. \n\nTHE COMPANY \" XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Amsher Credit Collection Services. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations 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 ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 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.","date_sent_to_company":"2021-12-23T11:49:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"90062","tags":null,"has_narrative":true,"complaint_id":"5038580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2021-12-23T11:07:31.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["THEY HAVE PURCHASED A <em>DEBT</em> WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or <em>misleading</em> <em>representations</em>. 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