{"took":387,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":123,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3886514","_score":28.652193,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a \" Business '' credit card.\n\nThey send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.","date_sent_to_company":"2020-10-07T21:09:54.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"3886514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-10-07T19:36:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Amex company is <em>misleading</em> <em>Small</em> <em>Business</em> <em>owners</em> to <em>apply</em> to its <em>Business</em> credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a \" <em>Business</em> '' credit card.\n\nThey send multiple emails and advertising to <em>apply</em> to their <em>business</em> credit cards and then lower the FICO credit score."]},"sort":[28.652193,"3886514"]},{"_index":"complaint-public-v1","_id":"16609274","_score":20.955791,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America encouraged me to apply for an unsecured XXXX line of credit without disclosing the full qualification requirements. Their advertising and representatives consistently stated that the only requirements were two years in XXXX {$100000.00} in annual revenue, and a credit check. XXXX XXXX  meets and exceeds those qualifications, and I have an XXXX credit score. \n\nAfter spending several hours working with their representatives, I was later told that the real approval criteria included specific cash reserve thresholdsa requirement that was never mentioned in any materials, nor during the application process. Bank of America has had full access to my XXXX XXXX XXXX accounts for over 20 years, so they already knew exactly how much cash my XXXX maintains before recommending this product. \n\nDespite that, they still pushed me to apply, resulting in a hard credit inquiry and wasted time on an application I was never qualified for based on undisclosed internal criteria. This practice is misleading, irresponsible, and deceptive. It appears that Bank of America representatives are promoting loan products to customers who do not qualify in order to meet internal sales quotas. \n\nIf the bank had been transparent about the true requirements, I would not have applied. I am requesting that the CFPB review this matter and require Bank of America to : Remove the hard credit inquiry from my credit report. \n\nEnsure full transparency of underwriting criteria in all advertising and communications. \n\nCease promoting financial products to small business customers who clearly do not meet internal approval standards. \n\nAs a long-time customer and small business owner, I find this practice completely unacceptable and inconsistent with responsible banking.","date_sent_to_company":"2025-10-15T12:07:13.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"16609274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-15T11:37:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Cease promoting financial products to <em>small</em> <em>business</em> customers who clearly do not meet internal approval standards. \n\nAs a long-time customer and <em>small</em> <em>business</em> <em>owner</em>, I find this practice completely unacceptable and inconsistent with responsible banking."]},"sort":[20.955791,"16609274"]},{"_index":"complaint-public-v1","_id":"4742509","_score":15.515589,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This letter shall serve as a formal complaint against American Express regarding violations under the XXXX XXXX with their credit card product. The applicant applied for an American Express XXXX XXXX credit card online on XX/XX/XXXX. He called American Express customer service and explained to the representative that he wished to apply using his business LLC EIN, and there was no space on the application to enter his EIN. The American Express representative instructed the applicant to call back to American Express after the application was approved, and he received the card in the mail to add his business EIN. The applicant was approved and did receive the card in the mail. \n\nHowever, when the applicant called American Express to have his business LLC EIN added to the card, as instructed, he was advised by the American Express representative that the card was issued in his name solely as a sole proprietor and unable to add his business LLC EIN. The American Express representative then informed the applicant that he needed to activate the card before adding his business LLC EIN to the card. After the American Express representative activated the card, the representative told the applicant they could not add his business LLC EIN because the card was solely in his name. The applicant explained he did not want to activate the card because it was not the product he applied for and asked the representative why she activated it without his consent. The American Express representative replied, \" I am sorry I activated in error because I am new to this position. '' The applicant explained this was not the product he wished to obtain and advised that American Express misled him when the representative provided false information when told he would be able to add his business LLC EIN after the card arrived in the mail. American Express then told the applicant that he would need to cancel the American Express XXXX XXXX credit card issued solely in his name and reapply for another American Express XXXX XXXX credit card using his personal and information and business LLC EIN. The American Express representative then canceled the American Express XXXX XXXX credit card, and the applicant completed a second application at the directive of the American Express representative. The applicant provided his social security number, date of birth, home address, financial figures, and business LLC EIN. The representative gathered all the information and told the applicant to hold, and the call disconnected. \n\nThe applicant waited for someone from American Express to call him back after the call disconnected, but no one called back. The applicant called back to American Express and explained he was in the middle of submitting a second application due to misinformation provided by American Express. He also explained that the call disconnected without anyone from American Express calling him back. The American Express representative advised the applicant that the second application was denied as it was \" a ghost card and considered a duplicate application because American Express approved the first application. '' The applicant expressed that American Express 's actions were unfair, and their abusive practices resulted in him receiving a product without his business LLC EIN, and now had two hard inquires on his credit due to American Express providing misinformation. The applicant requested to have all credit inquires American Express performed removed from the credit bureaus. The American Express representative told him that he would need to dispute the inquiries with the credit bureaus as they could not remove them. The applicant spent several hours on the phone with American Express, pleading and demanding they remove the credit inquires resulting from misleading and deceptive practices from American Express, but to no avail. \n\n\nThe applicant called back a few hours later to American Express and requested a supervisor. He gave verbal authorization for his finance to speak to the American Express representative on his behalf because he was in distress and could no longer speak. His finance talked to the representative, explained the issue, and requested to speak to the representative 's supervisor. The representative told his fiance to hold while she located a supervisor, but the American Express representative blindly transferred the call to an automated system. His fiance held for another representative and spoke to American Express representative XXXX XXXX. His fiance described the events and requested a supervisor. The American Express representative reached her supervisor. The customer service supervisor stated he would log the complaint as he has seen this issue happen numerous times when applicants using American Expresss website to apply for an American Express XXXX XXXX card trying to use their business EIN. The customer service supervisor then transferred his finance to the new accounts department to discuss the denial of the second application. His fiance explained to the customer service supervisor that the practices American Express used to lure the applicant into obtaining a credit card were deceptive and misleading to the least sophisticated consumer. She explained she believed their actions were to deter minority small business owners from obtaining business credit. As a minority small business owner herself and customer of American Express since XXXX, she is considering canceling all her accounts with their company due to the unfair treatment the applicant received from them. The customer service supervisor apologized and transferred his fiance to XXXX in the new accounts department. \n\nXXXX asked that his fiance hold while she researched the account, came back to the line, and advised her that American Express canceled the initial card and the applicant could apply a third time. His fiance explained that the applicant already applied twice at their direction and doesn't want to do business with this company and wants all credit inquiries removed from his credit due to American Express providing false information to the applicant. XXXX stated she was unable to have inquires removed. His fiance requested to speak to her supervisor. XXXX asked the fiance to hold while she attempted to locate a supervisor. XXXX then returned to the line and advised the fiance that her supervisor was available because he was on another call servicing another customer and would have a supervisor call back in 24 hours. His fiance stated she would hold until the supervisor finished the call he was servicing. XXXX then transferred the call to a supervisor named XXXX XXXX. Mr. XXXX said he saw in the records where Mr. XXXX applied for the first card on XX/XX/XXXX and saw where he had to spoke to a representative on XX/XX/XXXX. Mr. XXXX stated he would investigate and have the call from XX/XX/XXXX and all subsequent calls reviewed and would call back in 24 hours, but could not guarantee any results.","date_sent_to_company":"2021-09-22T05:19:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"14211","tags":null,"has_narrative":true,"complaint_id":"4742509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-09-22T00:26:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["His fiance explained to the customer service supervisor that the practices American Express used to lure the applicant into obtaining a credit card were deceptive and <em>misleading</em> to the least sophisticated consumer. She explained she believed their actions were to deter minority <em>small</em> <em>business</em> <em>owners</em> from obtaining <em>business</em> credit."]},"sort":[15.515589,"4742509"]},{"_index":"complaint-public-v1","_id":"2901905","_score":14.687479,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against IC System. \n\nIC System is a debt collecting agency based out of XXXX XXXX MN. XXXX, located at XXXX XXXX XXXX XXXX or XXXX  XXXX. Tel XXXX. \n\nThey were hired by a XXXX XXXX to collect a debt of {$8900.00} from me for uncompleted service. \nInitially when I got a letter from IC systems on XX/XX/XXXX, I sent a letter back to IC systems disputing the debt. In the letter I attached a copy of the \" Term and Fees Schedule addendum ( Also attached ). \nThe addendum that I signed stated that a payment of {$8900.00} would be due if a minimum guarantee of {$80000.00} in loan amount was acquired. In my letter, I stated that the minimum guarantee per contract had not been met and that's why I am not obligated to pay. \n\nIC system, then forwarded my letter of dispute to XXXX XXXX, who wrote back to IC system stating that they had acquired loans in the total amount of {$82000.00} and on XX/XX/XXXX I received the letter from IC system stating that they had been provided information validating the debt. They forwarded me a copy of a list of credit lines that XXXX XXXX  claim as approved and received ( Attached ). \n\nThe IC letter dated XX/XX/XXXX to me ( attached ), also stated that \" If you still question the obligation to pay, contact our office immediately. Since the list showed credit lines in my name that I was not aware of, I called the banks to ask if I had any existing credit lines in my name in the credit amounts listed that I was not aware of that were opened in the first quarter of XXXX, since XXXX started applying on my behalf during XXXX - XXXX XXXX XXXX. Every bank I doubted to have a credit card with them, confirmed that I didn't have any credit lines with them in the amounts stated which had been opened in that time period. \n\nThat very night, I wrote a letter back to IC system ( attached ), indicating what credit lines on that list were legit and which ones were not legit. I mailed that letter with the copy of the verified credit lines from that list on XX/XX/XXXX and mailed it the next morning. The verified credit lines amounted to {$37000.00} and only 2 of the credit lines were in the business name yet according to the initial promise from XXXX XXXX all credit lines were to be business. \n\nPlease check XXXX to see how misleading their website is to small business owners. They appear to be a real financial company that will give you good size loan at 0 % for 12 months, sounds appealing and then they collect all your personal information for the approval and then turn around and start to apply for multiple credit cards on your behalf and at the same time coach you how to lie to the banks if you get a call. If there wasn't anything misleading and fraudulent, they would tell you straight up on the first call and on the first page of their website state their services as \" We will apply for multiple credit cards on your behalf for 10 % commission, but that is not the case. Please look up their reviews from other small business owners that have been scammed. \n\nBack to the story, Later that day I got notified by XXXX XXXX via email that there were collection debts in the amount of {$8900.00} reported to my name on the 2 of the credit bureaus.\n\nIssues with IC system : 1.Why did they report my account on a debt that had an unresolved dispute?\n\n2. Why did they send me a letter dated XX/XX/XXXX and received XX/XX/XXXX and then report my account to the bureau on XX/XX/XXXX, without giving me a chance to respond. \n3. Why did they say on the letter dated XX/XX/XXXX that if I still questioned the obligation, I should contact them immediately and yet turn around to report my account to the agency without giving me a window of time to receive the letter and respond accordingly? \n\nI immediately called IC system, I spoke to the first lady and expressed the above stated issues, she would not listen to my questions, she was rude on the phone and told me that they didn't have to wait for my response and asked me if I wanted to make a payment. Noticing that she couldn't listen to me, I decided to end the call and call again and hopefully find someone else to talk to. \n\nI immediately called back and spoke to a gentleman by the name XXXX, he noticed that I just called and so I gave him a quick history of the situation and asked, why was I reported to the bureau on disputed account and why didn't they give me a chance to respond and why was my credit score being ruined unfairly? I also asked what was their standard procedures on accounts that were in dispute? \n\nAfter putting me on hold, he came back and said, their client was XXXX XXXX and they don't have to wait nor giving attention to my second dispute, they only consider first dispute and once they get back more information from their client, they would not be open to second dispute. I asked then, why does your letter tell me to contact you immediately if I still question the obligation to pay, yet you would not honor the very statement in your letter to me? He didn't have an answer for me and could not escalate the issue to someone higher either. \n\nAt that point, I told him that I was going to seek help and consult with CFPB and the bureaus to protect my already excellent credit. \n\nSo that is my story and I am sticking to it, please let me know if any questions and appreciate your help looking into this case.","date_sent_to_company":"2018-05-14T11:57:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"98023","tags":null,"has_narrative":true,"complaint_id":"2901905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2018-05-10T00:00:40.000Z","state":"WA","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":["The verified credit lines amounted to {$37000.00} and only 2 of the credit lines were in the <em>business</em> name yet according to the initial promise from XXXX XXXX all credit lines were to be <em>business</em>. \n\nPlease check XXXX to see how <em>misleading</em> their website is to <em>small</em> <em>business</em> <em>owners</em>."]},"sort":[14.687479,"2901905"]},{"_index":"complaint-public-v1","_id":"6409673","_score":14.23407,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating \" Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. \". On XX/XX/XXXX PAYPAL sent another email stating \" Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. \n\nI, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. \n\nFurthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. \n\nIf PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. \n\nThank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved","date_sent_to_company":"2023-01-08T04:40:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"6409673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-01-08T04:01:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["XXXX been selected to <em>apply</em> for the PayPal XXXX XXXX XXXX. \". On XX/XX/XXXX PAYPAL sent another email stating \" Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned <em>Small</em> <em>Business</em> and its <em>owner</em> 's personal private non-public data."]},"sort":[14.23407,"6409673"]},{"_index":"complaint-public-v1","_id":"10002007","_score":13.848187,"_source":{"product":"Credit card","complaint_what_happened":"Peace & Love To All Who Read This! \n\nI applied for a card and got denied. Prior to me applying for one of the cards, I received dozens of emails from Capital One stating that I was preapproved for their cards. Since I never had any accounts with them, that means the credit card agencies were selling them my information illegally and without my permission. After I was denied, I never received any letters or emails stating why or providing the reference number. They just took my application and ran to the bank with it literally. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. \n\nAccording to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. \n\nAssets Primary Assets of Master Trust - Receivables in unsecured consumer and small business revolving credit card accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! \n\nYou are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In XXXX XXXX XXXX","date_sent_to_company":"2024-09-03T19:49:25.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10002007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-29T00:49:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Assets Primary Assets of Master Trust - Receivables in unsecured consumer and <em>small</em> <em>business</em> revolving credit card accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial <em>owner</em> and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME!"]},"sort":[13.848187,"10002007"]},{"_index":"complaint-public-v1","_id":"14722526","_score":12.497227,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute & Request for Deletion XXXX XXXX  ( Acct. # XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the reporting of the XXXX XXXX  account appearing on my Experian credit report. This tradeline is not only inaccurate and misleading, but it is also being re-reported after prior deletion in direct violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).\n\nViolations include but are not limited to : FCRA 1681s-2 : Furnishing materially inaccurate, misleading, and incomplete data to the credit bureaus. The account reflects both Repossession and Charge-Off without explanation or lawful justification.\n\nTruth in Lending Act ( TILA ) Violations : I was not properly informed that insurance products were bundled into my loan contract. I did not knowingly or voluntarily consent to these charges, and this constitutes material misrepresentation and a failure to clearly disclose the total finance charges, as required by 15 U.S.C. 1601 et seq.\n\nUCC 9-610 & 9-611 : No proper notice of default, no resale notification, and no post-sale accounting statement was ever sent. You can not claim a {$21000.00} deficiency without proving the sale of collateral and applying its proceeds. \n\nXXXX XXXX Format Compliance Failures : Reporting without an original creditor, no DOFD, no comments regarding repossession or deficiency sale, and missing payment data. \n\nFurthermore, if this account has been charged off, it may no longer be legally collectible. I am also investigating whether this debt has been sold or securitized, in which case I demand disclosure of the new creditor/owner.\n\nInconsistent status codes : The account is reported as both Repossession ( R ) and Charge-Off ( CO ), which is materially misleading.\n\nDeficiency balance of {$21000.00} is reported with no evidence of collateral resale, auction records, or consumer notification, violating both XXXX XXXX formatting standards and UCC 9-610 & 9-611.\n\nNo original creditor is listed, and key account information is missing or inaccurate, including : No monthly payment, No clear DOFD ( Date of First Delinquency ), Missing or fabricated months in the payment history.\n\nThis account was previously deleted or suppressed during an earlier dispute and is now being reinserted without proper notice, violating FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ).\n\nThis false and damaging tradeline has harmed my ability to secure funding for my small business, impacted my housing stability, and caused undue stress to my family.\n\nAdditionally, I have submitted two formal dispute letters regarding the XXXX XXXX tradeline within the last 60 to 90 days, both sent via Certified Mail with return receipt. Although your office received and signed for these lettersas confirmed by XXXX trackingno formal dispute was opened for this account, even though disputes were initiated for other tradelines I challenged in the same envelope. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must \" conduct a reasonable reinvestigation '' upon receiving a consumer dispute. Furthermore, failure to provide acknowledgment of the dispute or its resolution violates 1681i ( a ) ( 6 ) and demonstrates willful negligence or noncompliance under 1681n and 1681o, for which I reserve the right to seek statutory, actual, and punitive damages. You have also failed to meet your obligations under FTC guidance on dispute handling and general principles of consumer protection under 42 U.S.C. 1983, as your failure has caused material harm to my business and personal finances.\n\nI reserve the right to pursue claims for statutory, actual, and punitive damages for negligent or willful noncompliance with the FCRA, XXXX XXXX standards, and re-reporting violations. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T05:54:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"14722526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-17T05:14:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This false and damaging tradeline has harmed my ability to secure funding for my <em>small</em> <em>business</em>, impacted my housing stability, and caused undue stress to my family.\n\nAdditionally, I have submitted two formal dispute letters regarding the XXXX XXXX tradeline within the last 60 to 90 days, both sent via Certified Mail with return receipt."]},"sort":[12.497227,"14722526"]},{"_index":"complaint-public-v1","_id":"3464096","_score":11.576089,"_source":{"product":"Mortgage","complaint_what_happened":"I have been trying to apply for a loan modification since XX/XX/XXXX with my lender, SPS and have been unsuccessful in my attempts because I have been receiving different information each time I submit for a review. I first started to submit for a loan modification in XX/XX/2019. When I initially submitted the application, the representative I spoke with, Ms. XXXX XXXX, told me that my application was denied for a streamline modification that did not review income. She also said that, “it was not in the interest of the investor,” to modify the loan which I did not understand and thought was vague. Then I tried to submit another application in XX/XX/2019 and they immediately denied it and said I needed to re-submit everything because the application I sent had the incorrect date on it. I did what the lender requested and re-submitted on XX/XX/XXXX. They still denied my application, and only four days after I initially submitted the application. Then in XX/XX/XXXX  I attempted to submit for a modification again. I filled out the modification application and submitted it to the lender on XX/XX/XXXX. The representative I spoke with on the XX/XX/XXXX, Ms. XXXX XXXX, told me that the investor does not require financials for the application and that it would take them 30-days to review my application. On XX/XX/XXXX I called to check for an update on my application and the rep I spoke with, Ms. XXXX   XXXX, told me that they denied the application I sent on the XX/XX/XXXX and determined in their decision that no retention options were available to me. When I received the denial letter, all it said was that no retention options were available to me but it did not give any other explanation and also said that income was not reviewed or considered as a part of this request. I called the lender for a detailed explanation and spoke with Mr. XXXX XXXX who told me that I was denied modification because of the modification I had on my loan in the past and how much past due the account was that they couldn’t reduce the payment. However, Mr. XXXX did advise me that if I had a change in circumstances like additional income or a contributor or new job with increased earnings, I could appeal the decision and submit it with the new information for the advocacy department to work with Underwriting to review the appeal. So I attempted to submit an appeal to the decision because I am a small business owner and believe that the increase in income I was receiving would prove that I could afford a modification and help me save my home. I submitted a written appeal and a profit and loss statement showing the increase in income I have on the XX/XX/XXXX. Several days later I received letter that said my appeal for Loss Mitigation was declined. The reasoning behind the decision was very confusing. Initially it says that income was not considered or a part of this evaluation but then the letter goes on to say that the decision for the denial was, “based on your individual circumstances.” It also says that the review that they were unable to offer a trial modification because, “we could not reduce your principal and interest payment.” I believe that the explanation behind the decision is misleading and doesn’t explain exactly why or why I do not qualify for modification.","date_sent_to_company":"2019-12-10T17:42:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"48306","tags":null,"has_narrative":true,"complaint_id":"3464096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2019-12-10T17:32:39.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["So I attempted to submit an appeal to the decision because I am a <em>small</em> <em>business</em> <em>owner</em> and believe that the increase in income I was receiving would prove that I could afford a modification and help me save my home. I submitted a written appeal and a profit and loss statement showing the increase in income I have on the XX/XX/XXXX. Several days later I received letter that said my appeal for Loss Mitigation was declined. The reasoning behind the decision was very confusing."]},"sort":[11.576089,"3464096"]},{"_index":"complaint-public-v1","_id":"3269606","_score":11.180742,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/XXXX, I applied for a SunTrust Equity Line of Credit, with our own mortgage lender, SunTrust. I figured continuing the business with our own mortgage company would be a great idea, however, I was wrong. It has been a nightmare dealing with their loan department. The reason for applying for a loan was to help eliminate a lot of the credit card debt we had accrued. We have never been late on our mortgate and for them to treat us this way is UNNACEPTABLE. We needed about {$40000.00} to pay off ALL of my husbands cards and a few of mine. SunTrust ran my credit and I was advised that due to MY debt to income ratio they were not able to give me such a large amount. So, the representative Miss XXXX XXXX, NMLS ID # XXXX, Bank Officer/Loan Officer ( Client Care Specialist ), suggested that I re-apply jointly with my husband. Her thought process was that maybe 2 incomes would help with the calculation and value of home and income we both receive, etc. So, I applied jointly. Next steps were for me to submit a copy of my home owner insurance ( which my insurance brokers did the next day ) and she would schedule an appraisal once I agreed to move forward, which I did. However, I had to consistently keep following up with Miss XXXX, as she was not very responsive. I even told her in one of the phone calls, that I would appreciate a courtesy response acknowledging she had received documents. She agreed. I picked SunTrust due to the existing relationship I already had with them as our mortgage carrier, but now I regret it. A few days later we received a letter stating that we even though we couldn't get the full ' {$50.00}, XXXX, due to our home appraising lower than they expected ( about $ XXXX ), they only were able to give me {$16000.00}. ( But prior to that they also sent me an approval letter on XX/XX/XXXX stating they would consider {$21000.00}, but after appraisal an email from XXXX stated we can only get $ XXXX email and doc attached ) At this point we were discouraged and didn't know if even taking such small amount would be even worth it, so I started thinking of other options. Miss XXXX recommended I apply for a regular unsecured loan with the XXXX XXXX, and I did. I applied online for XXXX XXXX loan and was also denied. So now I have 2 hard hits on my credit report, which I want removed ASAP. \n\nOnce I got denied from the regular loan with SunTrust. I emailed and spoke to her XXXX and advised to move forward with the {$16000.00} process. At no point did she ask for additional documentation, in fact she stated she wouldnt need my spreadsheet with the credit cards because the amount was so little that I would be able to pay out the creditors on my own. She never requested paystubs, nor any additional documentation, she made it seem like everything was GREAT and we would be closing soon. I figured {$16000.00} is better than nothing.\n\nOne of the last conversations I had with XXXX stated that the closing could happen on Thursday, XX/XX/XXXX, ( at the local Branch in XXXX ) which I told her would be perfect because I had already scheduled a day off. So I emailed her on Wed, XX/XX/XXXX, wondering why I hadnt heard from her. I wasnt able to reach her on the phone so I reached out to Miss XXXX XXXX Vice President, Branch Manager II |  SunTrust Bank , Inc. Let me just say that she has been AWESOME. She has been the ONLY one that has even cared about our issues and she has been very apologetic about OTHERS mistakes. NO ONE else has accepted responsibility for their actions. I explained I was very disappointed that the closing was not scheduled and I was very discouraged with the lack of communication from Miss XXXX. So she was kind enough to call another department and get an update regarding our closing. This is the point where we received even more bad news. Miss XXXX conferences in another lady from another department who went on to tell me on the phone that OUR LOAN HAS BEEN DENIED FOR OUR application for the line of credit of {$16000.00}. IM LIKE WHAT!!? How Is that possible?? The lady on the phone admitted that SOMEONE DROPPED THE BALL and she had no further explanation. So after XXXX on XX/XX/XXXX I emailed Delilahs Manager, XXXX XXXX at XXXX to call me immediately. \n\nSo the very next morning ( Friday, XX/XX/XXXX ) my husband went into the branch to speak with Miss XXXX regarding this crazy situation. He explained his disappointment and how we have been unfairly mislead. If a bank gives an approval letter, WE EXPECT AN APPROVAL. I have never experiences such unprofessionalism and so much confusion. Once my husband went into the branch, I believe they spoke to a XXXX, head of the Loan Dept. He advised for XXXX to send in his business taxes and for me to send in my last 2 paystubs AND our personal taxes and once received he would look further into the situation. \nDuring the conversation XXXX and another rep named \" XXXX '' also stated to my husband XXXX that the reason we were denied was due to my chapter XXXX bankruptcy, which occurred in XXXX, which is 10 years ago! That reason was a lie, because I currently have a XXXX credit score and there is NO reason my bankruptcy wouldve played a factor in a denial of {$16000.00} limit. Then they stated oh its because you ( my husband ) is business owner. Excuse after excuse. We should NOT be going through all this drama for a {$16000.00} credit limit on our home equity. I can get that amount in a credit card ALONE! I dont appreciate the lies nor the run-around this company has given us. \n\nThe evening that my husband spoke to XXXX ( XXXX ) we submitted the taxes, the paystubs, everything they needed. Then On Friday XXXX, I finally get a call from Mr. XXXX explaining again that even though we have submitted ALL necessary documentation they STILL wont honor the approval of {$16000.00}. The reason given this time was due to the income on my husbands business. ( As if both of us combined cant afford this line of credit ). \n\nTrust me, as soon as a I get a chance we WILL be refinancing our mortgage with ANOTHER institution!","date_sent_to_company":"2019-06-10T15:29:02.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"30101","tags":null,"has_narrative":true,"complaint_id":"3269606","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2019-06-10T13:56:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["He explained his disappointment and how we have been unfairly <em>mislead</em>. If a bank gives an approval letter, WE EXPECT AN APPROVAL. I have never experiences such unprofessionalism and so much confusion. Once my husband went into the branch, I believe they spoke to a XXXX, head of the Loan Dept. He advised for XXXX to send in his <em>business</em> taxes and for me to send in my last 2 paystubs AND our personal taxes and once received he would look further into the situation."]},"sort":[11.180742,"3269606"]},{"_index":"complaint-public-v1","_id":"9557035","_score":8.731274,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX - agreed with XXXX XXXX XXXX field sales rep at my front door to quarterly services, at the rate of {$39.00} each, cancel anytime, no loop holes or extra fees. I agreed to quarterly services at the rate of {$39.00}. No documents were signed. No documents or paperwork was received by me by hand or electronically. \n\nNo communication by email or mail was ever received from XXXX XXXX XXXX identifying a contract between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received treatment services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received treatment three times and my card was charged seven times. No monthly statements, invoices, or communication was sent to me.\n\nAfter review of these transactions and after further research into the company, it is evident they are predatory and take advantage of consumers. They lie and are deceptive of the services, fees and terms and conditions they actually offer. I was never told about any contract or any cancellation fees. The company 's representatives lie to your face and laugh at you on the phone when you call. They falsely create contracts. \n\nTherefore, on XX/XX/XXXX, I contacted XXXX XXXX XXXX  and requested they cancel services for my account. \n\nOn, XX/XX/XXXX, I heard back from XXXX XXXX XXXX representative, and was advised that \" you have a 1-year agreement and not yet completed '', \" and an early termination fee ''. \n\nI responded to XXXX XXXX on XX/XX/XXXX, and stated, \" What 1-year service agreement? I was not told this was a contract or that it has a required service term. That was never expressed or communicated to me. Please cancel. If you are adamant about a cancellation fee, I would like to speak to a supervisor and the representative that signed me up for services at my door. The one year requirement with a cancellation fee was never advised to me.. \n\nXX/XX/XXXX : XXXX XXXX  responded by text message, We have sent your account over to the retention/cancellation department. He will reach out to you to come to a resolution with you. \n\nOn XX/XX/XXXX, I received a call from XXXX XXXX, from XXXX. The male stated he was calling about my request to cancel and stated that I was unable to cancel without avoiding a cancellation fee because I had \" signed '' a one year contract. I repeated to him that I never signed a contract and that I was never advised of that information by his representative. I also advised him that I had done further research on their company and it appears this is how they treat consumers and they way of doing business, by lying. The male representative emailed me while on the call a copy of an agreement which clearly and evidently shows is not my signature. I expressed that to him on the call. This is the first time I ever say anything close to that document. At the time of the conversation with the sales representative, there was no distribution of documents, contract or anything. The male representative stated he could not speak to my experience of when I first discussed services with his field sales rep. and he did not want to discuss anything other than, was I going to pay him the cancellation fee over the phone or not. I asked the male representative that I was unsatisfied with his response and desired resolution and that I now requested to speak with the owner of the small business so that I may voice my concerns. The male representative stated to me, twice, \" trust me, you do not want to do that '', I am way nicer than him, \" trust me you do not want to do that ''. I told the representative that I took his response to me as a threat, that I demanded to speak to the owner of the business and ended the call with him. \n\nNo invoice and no further communicaiton was ever received from XXXX XXXX XXXX  after the call on XX/XX/XXXX. Nothing at all. \n\nOn Friday XXXX, XXXX, XXXX, McKenzie, Paul and Associates contacted my brother who is XXXX military on his personal cell phone, and who resides in North Carolina . I live in Oklahoma. The call was very concerning to my brother, and he was extremely concerned and worried for me. He stated that he believed the call was from an attorney or for a very serious matter. During this time, I was under care the care at the XXXX XXXX  and was unable to return their call.\n\nNo correspondence or debt verification letter was ever received from XXXX XXXX XXXX nor McKenzie, Paul and Associates between XX/XX/XXXX and XX/XX/XXXX. \n\nOn Wednesday, XX/XX/XXXX, I contacted McKenzie, Paul and Associates by phone, at XXXX, and for the first time, I identified that the alarming reason for the call to my brother in XXXX XXXX military was in regard to a \" debt from XXXX XXXX XXXX for {$280.00} and some change, wherein McKenzie, Paul and Associates during the call threated to report negatively to the credit bureaus if I did not settle the debt on the date I called them, XX/XX/XXXX. The female representative who took my call and McKenzie, Paul and Associates, mentioned the owner of the company was willing to not report me to the credit bureaus if a payment was provided to them on the date of my call. My phone call to McKenzie, Paul and Associates was not verified. I was not verified at all, I was simply asked for my first and last name and the entire details of my account with them were disclosed. The female inappropaitely disregarded my communication with her during the call and spoke over me just to state that they would be pursuing payment for XXXX XXXX XXXX. I ended the call. I have received zero notices stating that I am in collections, or that they are attempting to collect a debt from me. McKenzie, Paul and Associates are inappropriately acting and conducting business against many FDCPA guidelines. Below are several, but not all, of my concerns with their practices : Fair Debt Collection Practices Act 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 -- ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, A DEBT COLLECTOR MAY NOT COMMUNICATION, IN CONNECTION WITH THE COLLECTION OF ANY DEBT, WITH ANY PERSON OTHER THAN THE CONSUMER, HIS ATTORNEY, 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.\n\n807. 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.\n\nWithout 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\n( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n\n( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n\n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n\n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n\n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n\n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n\n( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n\n( XXXX ) The false representation or implication that documents are legal process. \n\n( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. \n\n( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n\n( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or McKenzie, Paul and Associates has been rated extremely poorly by the XXXX and has earned a one star rating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is their location. Other consumers have almost identical concerns about their practices as me. None of their XXXX  complaints have been resolved or responded to by McKenzie, Paul and Associates. \n\nXXXX XXXX XXXX has been rated with an F by the XXXX. They have over 100 complaints, identical to my experience and concerns with them between Texas and Oklahoma. They continue to take advantage of consumers daily. Most of their complaints are unanswered.","date_sent_to_company":"2024-07-19T05:06:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"73127","tags":"Servicemember","has_narrative":true,"complaint_id":"9557035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McKenzie Paul & Associates","date_received":"2024-07-19T03:05:52.000Z","state":"OK","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I asked the male representative that I was unsatisfied with his response and desired resolution and that I now requested to speak with the <em>owner</em> of the <em>small</em> <em>business</em> so that I may voice my concerns. The male representative stated to me, twice, \" trust me, you do not want to do that '', I am way nicer than him, \" trust me you do not want to do that ''."]},"sort":[8.731274,"9557035"]},{"_index":"complaint-public-v1","_id":"2897168","_score":8.214888,"_source":{"product":"Mortgage","complaint_what_happened":"Since I started the mortgage 10 years ago this is the only payment that has ever gone 30 days. I attempted to make the payment but PHH has a website which is not optimized and the word Authorization : listed during the online payment process is misleading. It says, you are authorizing a payment after entering the payment amount and hitting submit implying that the payment has been authorized. This wording and processes is misleading and should be changed. Also, the employees doing collections are likely lying about doing their job contacting customers who have missed a payment. The misleading website and poor customer service is responsible for my missed payment in XX/XX/XXXX. I would like the XX/XX/XXXX derogatory record retracted to be current. \n\nIn summary : I have a Mortgage with PH Mortgage company that I have had for over 10 years and have never missed a payment on that account or any account in my entire credit history ( document 7 my credit report ) until XX/XX/XXXX. In summary, I attempted to make a payment through the PHH Mortgage online website. The payment was never officially sent and therefore never received, as a result I have derogatory record of 30 days late on my credit report that I would like to be retracted to show as current, see page 12 of document 7 to view the record. The details are in the paragraphs below. \n\nI attempted to make the payment On XX/XX/XXXX I attempted to make a payment thought the PHH website Mortgagequestions.com. I have attached supporting document 1 showing that the payment was all set to be made and I took a screen shot, of what I thought was confirmation of the payment. The screen shot of my payment shows the word Authorization which could be easily mistaken for authorized. Further proving both my intent and attempt to make the payment I have attached document 5 showing that I transferred {$680.00}, the amount of my payment, to my checking account XXXX, document 1 also shows that account XXXX is the account I intended for the money to come from. Unfortunately, due to the Authorization header on the payment page I missed that I had to click the make payment button on the PHH website. Document 8b pg2 shows there was {$7100.00} in account XXXX which is more than enough to cover the payment of {$680.00} had it been posted. I was not aware, however, that the payment had not been posted and I filed my screenshot with the rest of my payment records and went on with my life. \n\nI was never made aware the payment was not posted I was never contacted by PHH about a missed payment by phone or by mail. Never. According to a customer service representative at PHH mortgage, their collection records show they called me on XX/XX/XXXX but I never received a call. I NEVER was contacted by anyone at PHH. I am a mother and a small business owner and ALWAYS answer my phone. I ALWAYS answer my phone and would have been happy to bring the account up to date given the chance. I tried to obtain a list of my phone records proving they never called me so I could submit them with this complaint. Unfortunately, XXXX XXXX XXXX, my cellular provider, was unable to deliver that information because the billing has mobile phone and landline on the same bill which XXXX XXXX XXXX calls combined billing and as a result XXXX XXXX XXXX has no way to access the call history from my mobile device. Despite my strong attempts to obtain my phone records to prove the alleged call date of XX/XX/XXXX never took place. XXXX XXXX XXXX is unable to provide me anything in writing. If CFPB is so inclined they can call XXXX XXXX XXXX to confirm that business accounts with combined billing are unable to access the records from their mobile device. If CFPB could access my phone records it would show that PHH Mortgage never called me or left a voice message. I had a job related to collections years ago and what I think may have happened is that a collections employee clicked through their collection calls generating documentation that they called me but they never actually called. I encourage the CFPB to request call logs from PHHs phone provider proving that the call was placed and show the duration of the alleged call. There was no call to me alerting me that my payment had not been made, there was no email or standard mail sent to me by PHH alerting me that my payment was not made. I never received any contact from PHH that my payment was not made. \nIf I had been made aware that the payment had been missed of course I would have paid it immediately. Why after 20 years of perfect payment history, as shown in a copy of my credit report ( document 7 ), and a credit score of XXXX ( document 6 ), with plenty of cash in the bank, would I let a payment of {$680.00} ruin everything I have worked so hard for. I understand the value of my credit score which is why I monitor it and mange it responsibly. Every attempt was made by me to make my payment on time and if I had been made aware of any delinquency I would have remedied it immediately. \n\nI paid immediately after finding out the payment had not been made My husband and I both have been subscribed to a monthly subscription with the credit monitoring service offered by XXXX as shown in document 9 for over 5 years. On XX/XX/XXXX, I received a preliminary alert message from XXXX on my phone stating there may be a potentially negative or derogatory record on my PHH account. I immediately went to the PHH online website to investigate and made a payment as shown in supporting document 2. Supporting document 3 shows the alert being officially posted to my XXXX  credit monitoring service on XX/XX/XXXX. I was only made aware of the derogatory record when I received an alert form my own credit reporting monitoring service that I pay for monthly PHH never informed me. As soon as I was made aware of the missed payment I immediately went online to make the payment. I went to the same website 2 days later to make another payment and I went online again a few days after that to make yet another payment bringing my account paid a month in advance. I would have made all 3 payments on the same day but I did not trust their website would properly apply multiple payments on the same day. The PHH website has a history of low function. Supporting document 4 shows the message on the website when I log in saying the website is not optimized. I receive this message every time I log in no matter which browser I try. \nAs soon as I found out about the late payment I made the account current. As shown in document 2 the payment happened within the same day of me being made aware that it was late. I called the company PHH Mortgage to see what happened. Of course, I though the payment had been made and was under the impression there was some mistake on their part. That is when the claimed they tried to call me, and since the payment never left my bank they recommended I issue a written complaint to the CFPB. \nHowever, there is responsibility of the company PHH Mortgage to reach out to me via email, phone and/or mail to let me know of a missed payment. With such an important result as a derogatory record affecting my credit both personally and in business I would hope the CFPB will find the fault does not lie with me and retract the XX/XX/XXXX derogatory record. \nI want the XX/XX/XXXX derogatory record retracted to be current - Document 1 shows the word Authorization which appears after I type in all my payment information, implying the payment has been made - I have a proven history of having a credit score of XXXX prior to this event as shown in document 6, my credit dropped to XXXX within days of this event. Document 8 shows plenty of cash to cover the payment and documents 1,3 and 9 show I understand the importance of making payments on time - I have a history of always current payments on this account ( document 7-m pg 12 ) and all of my accounts from the beginning of my credit reporting history ( document 7 ). \n- I have never been late on any payment ever. ( document 7 ) - Never in the history of my credit reporting has anything like this ever occurred. ( document 7 ) - I pay monthly to protect my credit ( document 9 ) and would never have allowed a missed payment had I known of it - I paid immediately after finding out the payment had not been made ( document 2 ) Since I started the mortgage 10 years ago this is the only payment that has ever gone 30 days. I attempted to make the payment but PHH has a website which is not optimized and the word Authorization : listed during the online payment process is misleading. It says, you are authorizing a payment after I had already entered the payment amount and hit submit implying that the payment has been authorized. This wording and processes is misleading and should be changed. Also, the employees doing collections are likely lying about doing their job contacting customers who have missed a payment. The misleading website and poor customer service is responsible for my missed payment in XX/XX/XXXX. I would like the XX/XX/XXXX derogatory record retracted to be current.","date_sent_to_company":"2018-05-04T23:16:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"2897168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PHH Mortgage Services Corporation","date_received":"2018-05-04T23:02:21.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am a mother and a <em>small</em> <em>business</em> <em>owner</em> and ALWAYS answer my phone. I ALWAYS answer my phone and would have been happy to bring the account up to date given the chance. I tried to obtain a list of my phone records proving they never called me so I could submit them with this complaint."]},"sort":[8.214888,"2897168"]},{"_index":"complaint-public-v1","_id":"15695142","_score":7.869519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NY XXXX Date of Birth : XX/XX/year> SS XX/XX/XXXXXXXX Experian Experian P.O. XXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It XXXX Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict XX/XX/XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XX/XX/XXXXXXXX Acct No : XXXX Bal : {$590.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This organization has clearly disregarded the regulations outlined in XXXXXX/XX/XXXXXXXX. I expected to be informed of this matter in writing at least XX/XX/XXXXdays in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object toXX/XX/XXXX or any type of automated verification. I expect a prompt and satisfactory response within XX/XX/XXXXdays of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XX/XX/XXXXXXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-09-03T19:01:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"15695142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-03T18:39:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.869519,"15695142"]},{"_index":"complaint-public-v1","_id":"14691232","_score":7.5791245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX XXXX Acct XXXX Bal : {$440.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Celenia Santos FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-16T13:40:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"14691232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T13:29:28.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.5791245,"14691232"]},{"_index":"complaint-public-v1","_id":"15557432","_score":7.239542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX To Whom It May Concern : Transunion , regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nPlease remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation.\n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-27T23:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07871","tags":null,"has_narrative":true,"complaint_id":"15557432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-27T21:04:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.239542,"15557432"]},{"_index":"complaint-public-v1","_id":"15278193","_score":7.239542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, To Whom It May Concern : Equifax, it is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX ACCT NoXXXX Bal : {$11000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXXXXXX XXXX ACCT NoXXXX Bal : $ As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXXXXXX ACCT NoXXXX Bal : {$76000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXX ACCT NoXXXX Bal : {$240.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX  days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g XXXX. ) 15 U.S.C 1692a abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within XXXX business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Martha Rodriguez FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-15T01:26:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10026","tags":null,"has_narrative":true,"complaint_id":"15278193","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T01:23:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.239542,"15278193"]},{"_index":"complaint-public-v1","_id":"14626577","_score":7.239542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Transunion, To Whom It May Concern : Transunion, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request that the negative data on the aforementioned items be promptly corrected to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Bal : {$23000.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX  days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency XXXX XXXX  FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-13T22:23:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11374","tags":null,"has_narrative":true,"complaint_id":"14626577","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-13T22:17:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.239542,"14626577"]},{"_index":"complaint-public-v1","_id":"15431872","_score":7.226679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date of Birth : XXXX SS # : XXXX Experian Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX  XXXX Bal : {$2300.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX  Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-21T22:43:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"074XX","tags":null,"has_narrative":true,"complaint_id":"15431872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T22:28:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.226679,"15431872"]},{"_index":"complaint-public-v1","_id":"15694472","_score":7.2224817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Transunion , To Whom It May Concern : Transunion , regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nPlease remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX  days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g XXXX. ) 15 U.S.C 1692a abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-09-03T19:13:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"15694472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-03T19:06:25.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.2224817,"15694472"]},{"_index":"complaint-public-v1","_id":"14961146","_score":7.2224817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX To Whom It May Concern : Transunion XXXX regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX  XXXX Acct XXXX XXXX : {$300.00} As a consumer by law, this account must be deleted immediately. \n\n2. Identity Theft XXXX XXXX XXXX Acct XXXX XXXX : {$23000.00} As a consumer by law, this account must be deleted immediately. \n\n3. Identity Theft XXXX XXXX XXXX Acct XXXX Bal : {$620.00} As a consumer by law, this account must be deleted immediately. \nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX XXXX in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-29T03:21:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10029","tags":null,"has_narrative":true,"complaint_id":"14961146","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T03:15:52.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.2224817,"14961146"]},{"_index":"complaint-public-v1","_id":"14840242","_score":7.2224817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$8100.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal : {$440.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$720.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$350.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-23T16:25:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"14840242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-23T16:13:24.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.2224817,"14840242"]},{"_index":"complaint-public-v1","_id":"14620910","_score":7.2224817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Experian Experian XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX Bal : {$23000.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This organization has disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent EnablemeXXXX XXXX XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXXv FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-13T22:05:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11374","tags":null,"has_narrative":true,"complaint_id":"14620910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-13T22:02:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.2224817,"14620910"]},{"_index":"complaint-public-v1","_id":"15594042","_score":7.221924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX SINCLAIR TER XXXX XXXX, NJ XXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX Whom It XXXX Concern : Equifax, XXXX is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\n1. Identity Theft BANK XXXX XXXX Acct No : XXXX XXXX : {$140.00} As a consumer by law, this account must be deleted immediately. \n\n2. Identity Theft XXXX  XXXX Acct XXXX Bal : {$2900.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX Acct XXXX : XXXX : $ As a consumer by law, this account must be deleted immediately. \n\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX XXXX  in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within XXXX business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX SINCLAIR TER XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-28T02:20:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"15594042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T02:15:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.221924,"15594042"]},{"_index":"complaint-public-v1","_id":"15562984","_score":7.221924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX Whom It XXXX Concern : Equifax, XXXX is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX Acct No : XXXX Bal : {$270.00} As a consumer by law, this account must be deleted immediately. \n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX XXXX in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within XXXX business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-28T00:37:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"15562984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T00:33:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.221924,"15562984"]},{"_index":"complaint-public-v1","_id":"15091886","_score":7.221924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX Acct No : XXXX Bal : {$57000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX Acct XXXX Bal : {$12000.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXX XXXX ROCKET XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-05T19:52:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"15091886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-05T19:48:35.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims action."]},"sort":[7.221924,"15091886"]},{"_index":"complaint-public-v1","_id":"14914634","_score":7.221924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX Whom It XXXX Concern : Equifax, XXXX is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. Kindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXX XXXX XXXXXXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX XXXX  in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX XXXXs of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within XXXX business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-29T03:15:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10029","tags":null,"has_narrative":true,"complaint_id":"14914634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T03:10:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential <em>small</em> claims 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